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Circle K (C-store Agreement only), by the numbers

Circle K (C-store Agreement only) appears in 25 SBA 7(a) loans since 2020, with a 0% cohort charge-off (failure) rate — from public SBA 7(a) loan records (FY2020–present). Every figure below comes from real financed deals: what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S2146)

25 deals since 2020 · typical deal $866K · 0% failure rate

25

Deals since 2020

$866K

Typical deal

4

Deals since FY2025

0%

Failure rate (FY20–23)

Circle K (C-store Agreement only) buyers almost always make it — a 0% failure rate puts it among the safest franchise bets on record.

What buyers pay for Circle K (C-store Agreement only)

Most Circle K (C-store Agreement only) deals financed between $498K and $1.67M. Above $1.67M, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$11,325
Down payment (10%)
$96K
Cash to close (all-in)
$132K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$132K)

Experience

Recent financings

  • Jackson Food Mart in Red Bluff, CA — $741K (2026) · Open Bank
  • Sheena Brothers, Inc. in Poway, CA — $1.7M (2025) · Columbia Bank
  • CARR AVENUE MARKET LLC in Keansburg, NJ — $1.6M (2025) · Firstrust Savings Bank
  • Mehta and Son's LLC in San Bernardino, CA — $866K (2025) · Celtic Bank Corporation
  • Circle K in Costa Mesa, CA — $810K (2024) · Southwestern National Bank
  • J&K Chauhan Inc. in Dinuba, CA — $1.2M (2023) · purchase · Mission Bank
  • 5JAB LLC in Long Beach, CA — $835K (2023) · purchase · Byline Bank
  • New Roop Enterprises, Inc in Costa Mesa, CA — $727K (2023) · purchase · American Continental Bank
  • SHREE GOBIND JEE INCORPORATED in Los Angeles, CA — $1.0M (2022) · Cathay Bank
  • NanaKG Corp in Fullerton, CA — $498K (2022) · purchase · Byline Bank

Hover or tap a deal for terms: program, rate, SBA guarantee, days to fund.

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Circle K (C-store Agreement only) brand mark

Who funds Circle K (C-store Agreement only) — and where

Every dot is a financed Circle K (C-store Agreement only) — 25 mapped.

Financed Circle K (C-store Agreement only) locations — list all 25 as text

Top lenders for this brand

  1. 1.Celtic Bank Corporation(3)
  2. 2.American Continental Bank(3)
  3. 3.Columbia Bank(2)
  4. 4.Byline Bank(2)
  5. 5.Commonwealth Business Bank(2)

Most active states

  1. 1.California (20 loans)Circle K (C-store Agreement only) lenders in California->
  2. 2.Illinois (3 loans)Circle K (C-store Agreement only) lenders in Illinois->
  3. 3.Iowa (1 loans)Circle K (C-store Agreement only) lenders in Iowa->
  4. 4.New Jersey (1 loans)Circle K (C-store Agreement only) lenders in New Jersey->

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Common questions

How much does a Circle K (C-store Agreement only) cost to buy or open?

The typical deal for Circle K (C-store Agreement only) is $866K across 25 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $95K of buyer cash on a typical deal.

How risky is Circle K (C-store Agreement only)?

0% of Circle K (C-store Agreement only)'s FY2020–23 deals failed and were written off. Under 1% is excellent; 1–3% is normal; above 3% deserves hard questions before the LOI.

Can I finance a Circle K (C-store Agreement only) with an SBA loan?

Yes — Circle K (C-store Agreement only) has been SBA-financed 4 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Circle K (C-store Agreement only) franchise

Most Circle K (C-store Agreement only) buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Circle K (C-store Agreement only) deal financed for $866K, which points to about $95K of buyer cash on a typical purchase. Circle K (C-store Agreement only) is listed in the SBA Franchise Directory (identifier S2146), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Circle K (C-store Agreement only) — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.

AI summary

This profile summarizes public SBA financing activity for Circle K (C-store Agreement only) — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.

Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.

Agent summary

This page summarizes public SBA 7(a) financing for Circle K (C-store Agreement only) — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Circle K (C-store Agreement only) is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 25 SBA 7(a) deals since 2020
  • $866K typical deal
  • 4 deals since FY2025
  • 0% failure rate (FY20–23 cohort)
  • SBA Franchise Directory: listed (identifier S2146)
  • Top lenders: Celtic Bank Corporation, American Continental Bank, Columbia Bank

Next steps

Check SBA fitFind SBA lenders$9 lender report
Data freshness:
SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-07-26.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/circle-k-c-store-agreement-only
API:
https://www.capbench.com/api/public/franchises/circle-k-c-store-agreement-only
Methodology:
Sources & methodology
  • Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
  • Figures come from public records and CapBench methodology; verify before relying on them.
  • Financing figures are historical SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.

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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Circle K (C-store Agreement only).

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