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Costa Oil, by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S6450)

14 deals since 2020 · typical deal $251K

14

Deals since 2020

$251K

Typical deal

1

Deals since FY2025

—

Too few deals to score risk

Costa Oil has 14 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Costa Oil

Most Costa Oil deals financed between $50K and $765K. Above $765K, you're paying more than 75% of buyers did — make the seller earn it.

Monthly payment (10-yr)
$3,489
Down payment (10%)
$28K
Cash to close (all-in)
$37K

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 ~$37K)

Experience

Recent financings

  • Mission Overdrive Corporation in Socorro, TX — $794K (2026) · Community Bank & Trust-West Georgia
  • Costa Oil in Lubbock, TX — $1.4M (2024) · First Merchants Bank
  • Costa Oil in Lubbock, TX — $1.3M (2024) · Bank Five Nine
  • NEXTGEN PROPERTY HOLDINGS LLC in Sherman, TX — $765K (2024) · Stearns Bank National Association
  • BS Holdings, LLC in Wichita, KS — $485K (2024) · Fidelity Bank, National Association
  • MEP, Inc. in Longview, TX — $251K (2024) · The Huntington National Bank
  • Grace Stone Corporation in Palm Harbor, FL — $217K (2024) · Community Bank & Trust-West Georgia
  • BS Holdings, LLC in Wichita, KS — $50K (2024) · Fidelity Bank, National Association
  • MEP, INC. in Longview, TX — $25K (2024) · The Huntington National Bank
  • The Sholly Group LLC in Raleigh, NC — $351K (2023) · The Huntington National Bank

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

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Costa Oil brand mark

Who funds Costa Oil — and where

Every dot is a financed Costa Oil — 14 mapped.

Financed Costa Oil locations — list all 14 as text
  • Grace Stone Corporation — Palm Harbor · $217K · FY2024 · Automotive Oil Change and Lubrication Shops
  • BS Holdings, LLC — Wichita · $485K · FY2024 · Automotive Oil Change and Lubrication Shops
  • BS Holdings, LLC — Wichita · $50K · FY2024 · Automotive Oil Change and Lubrication Shops
  • Mission Overdrive Corporation — Socorro · $794K · FY2026 · Automotive Oil Change and Lubrication Shops
  • Ocelot Oil, LLC — Painesville · $25K · FY2022 · General Automotive Repair
  • Ocelot Oil, LLC — Painesville · $242K · FY2022 · General Automotive Repair
  • Costa Oil — Lubbock · $1.3M · FY2024 · Automotive Oil Change and Lubrication Shops
  • NEXTGEN PROPERTY HOLDINGS LLC — Sherman · $765K · FY2024 · Automotive Oil Change and Lubrication Shops
  • Costa Oil — Lubbock · $1.4M · FY2024 · Automotive Oil Change and Lubrication Shops
  • Nester Holding Corp. — Knoxville · $250K · FY2023 · Automotive Oil Change and Lubrication Shops
  • The Sholly Group LLC — Raleigh · $351K · FY2023 · Automotive Oil Change and Lubrication Shops
  • The Sholly Group LLC — Raleigh · $30K · FY2023 · Automotive Oil Change and Lubrication Shops
  • MEP, INC. — Longview · $25K · FY2024 · Automotive Oil Change and Lubrication Shops
  • MEP, Inc. — Longview · $251K · FY2024 · Automotive Oil Change and Lubrication Shops

Top lenders for this brand

  1. 1.The Huntington National Bank(6)
  2. 2.Community Bank & Trust-West Georgia (2)
  3. 3.Fidelity Bank, National Association(2)
  4. 4.Bank Five Nine(1)
  5. 5.Stearns Bank National Association(1)

Most active states

  1. 1.Texas (6 loans)
  2. 2.Kansas (2 loans)
  3. 3.Ohio (2 loans)
  4. 4.North Carolina (2 loans)
  5. 5.Florida (1 loans)
  6. 6.Tennessee (1 loans)

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Common questions

How much does a Costa Oil cost to buy or open?

The typical deal for Costa Oil is $251K across 14 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $28K of buyer cash on a typical deal.

How risky is Costa Oil?

Costa Oil has 14 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Costa Oil with an SBA loan?

Yes — Costa Oil has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Costa Oil franchise

Most Costa Oil 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 Costa Oil deal financed for $251K, which points to about $28K of buyer cash on a typical purchase. Costa Oil is listed in the SBA Franchise Directory (identifier S6450), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Costa Oil — 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 Costa Oil — 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 Costa Oil — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Costa Oil is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

  • 14 SBA 7(a) deals since 2020
  • $251K typical deal
  • 1 deals since FY2025
  • Too few deals to score a reliable failure rate
  • SBA Franchise Directory: listed (identifier S6450)
  • Top lenders: The Huntington National Bank, Community Bank & Trust-West Georgia, Fidelity Bank, National Association

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 2026-06-17.
Sources:
Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:
https://www.capbench.com/franchises/costa-oil
API:
https://www.capbench.com/api/public/franchises/costa-oil
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 Costa Oil.

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