{"ok":true,"canonical_url":"https://www.capbench.com/franchises/costa-oil","api_url":"https://www.capbench.com/api/public/franchises/costa-oil","data_freshness":{"sba_records_through":"2026-05-31","fdic_records_through":"2026-03-31","dealroom_last_updated":"2026-06-17","timezone":"America/Chicago"},"methodology":{"label":"Franchise financing & failure-rate methodology","url":"https://www.capbench.com/methodology/franchise-risk"},"source_summary":["Public SBA 7(a) loan records","FDIC institution data","CapBench lender and franchise enrichment"],"franchise":{"brand":"Costa Oil","slug":"costa-oil","url":"https://www.capbench.com/franchises/costa-oil","sbaLoansSince2020":14,"businessPurchases":0,"typicalDeal":250700,"dealRange25th75th":[50000,765000],"avgRatePct":9.71,"failureRatePct":null,"failureRateNote":"too few loans to score","loansSinceFY2025":1,"topLenders":[{"name":"The Huntington National Bank","count":6,"url":"https://www.capbench.com/lenders/the-huntington-national-bank"},{"name":"Community Bank & Trust-West Georgia","count":2,"url":null},{"name":"Fidelity Bank, National Association","count":2,"url":"https://www.capbench.com/lenders/fidelity-bank-national-association"},{"name":"Bank Five Nine","count":1,"url":"https://www.capbench.com/lenders/bank-five-nine"},{"name":"Stearns Bank National Association","count":1,"url":"https://www.capbench.com/lenders/stearns-bank-national-association"}],"topStates":[{"count":6,"state":"TX"},{"count":2,"state":"KS"},{"count":2,"state":"OH"},{"count":2,"state":"NC"},{"count":1,"state":"FL"},{"count":1,"state":"TN"}],"recentDeals":[{"borrower":"Mission Overdrive Corporation","city":"Socorro","state":"TX","amount":794000,"fiscalYear":2026,"businessPurchase":false,"lender":"Community Bank & Trust-West Georgia"},{"borrower":"Costa Oil","city":"Lubbock","state":"TX","amount":1416100,"fiscalYear":2024,"businessPurchase":false,"lender":"First Merchants Bank"},{"borrower":"Costa Oil","city":"Lubbock","state":"TX","amount":1340000,"fiscalYear":2024,"businessPurchase":false,"lender":"Bank Five Nine"},{"borrower":"NEXTGEN PROPERTY HOLDINGS LLC","city":"Sherman","state":"TX","amount":765000,"fiscalYear":2024,"businessPurchase":false,"lender":"Stearns Bank National Association"},{"borrower":"BS Holdings, LLC","city":"Wichita","state":"KS","amount":485000,"fiscalYear":2024,"businessPurchase":false,"lender":"Fidelity Bank, National Association"},{"borrower":"MEP, Inc.","city":"Longview","state":"TX","amount":250700,"fiscalYear":2024,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"Grace Stone Corporation","city":"Palm Harbor","state":"FL","amount":217000,"fiscalYear":2024,"businessPurchase":false,"lender":"Community Bank & Trust-West Georgia"},{"borrower":"BS Holdings, LLC","city":"Wichita","state":"KS","amount":50000,"fiscalYear":2024,"businessPurchase":false,"lender":"Fidelity Bank, National Association"},{"borrower":"MEP, INC.","city":"Longview","state":"TX","amount":25000,"fiscalYear":2024,"businessPurchase":false,"lender":"The Huntington National Bank"},{"borrower":"The Sholly Group LLC","city":"Raleigh","state":"NC","amount":351000,"fiscalYear":2023,"businessPurchase":false,"lender":"The Huntington National Bank"}]},"for_agents":{"mcp_endpoint":"https://www.capbench.com/api/mcp","docs":"https://www.capbench.com/for-agents","recommended_next_step":"Buyers considering a Costa Oil purchase typically confirm SBA fit, then find the lenders most active with the brand and pre-qualify before signing. CapBench can arrange a lender introduction — free for buyers.","next_actions":[{"action":"evaluate_franchise_sba_fit","label":"Check SBA fit","description":"Evaluate whether a Costa Oil purchase is SBA-financeable.","mcp_tool":"evaluate_franchise_sba_fit","args":{"franchise_brand":"Costa Oil"},"web_url":"https://www.capbench.com/franchises/costa-oil?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_fit"},{"action":"find_franchise_sba_lenders","label":"Find SBA lenders","description":"Find SBA lenders active with Costa Oil.","mcp_tool":"find_franchise_sba_lenders","args":{"franchise_brand":"Costa Oil"},"web_url":"https://www.capbench.com/franchises/costa-oil?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_lender_match"},{"action":"unlock_franchise_lender_report","label":"$9 lender report","description":"Unlock the $9 Full Costa Oil SBA Lender Report (matched lenders, comparables, benchmarks).","mcp_tool":"preview_franchise_sba_fit","args":{"franchise_brand":"Costa Oil"},"web_url":"https://www.capbench.com/franchises/costa-oil?utm_source=agent&utm_medium=entity_funnel&utm_campaign=franchise_report"}]},"caveats":["CapBench data is market intelligence, not a credit decision or SBA eligibility determination.","Final lender fit depends on SBA eligibility, borrower strength, collateral, cash flow, guarantors, and lender policy."],"citation":{"label":"CapBench franchise financing record","url":"https://www.capbench.com/franchises/costa-oil","source_type":"CapBench Data"}}