Race Trac, 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 S3922)

5 deals since 2020 · typical deal $641K

Deals since 2020

$641K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Race Trac has 5 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 Race Trac

Most Race Trac deals financed between $575K and $830K. Above $830K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$641K

Monthly payment (10-yr): $8,382
Down payment (10%): $71K
Cash to close (all-in): $95K

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 ~$95K)

Experience

Recent financings

Sunora 88 Incorporated in Fort Myers, FL — $575K (2023) · Central Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$431K (75%)
Approval → funding
20 days
Approved
7/11/2023
First disbursed
7/31/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
32
Business age
New Business or 2 years or less
Industry
Gasoline Stations with Convenience Stores
Funded by Central Bank · Lender record →
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YARO 88 INCORPORATED in Bonita Springs, FL — $641K (2022) · Central Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$481K (75%)
Approval → funding
32 days
Approved
12/27/2021
First disbursed
1/28/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
24
Business age
Startup, Loan Funds will Open Business
Industry
Gasoline Stations with Convenience Stores
Funded by Central Bank · Lender record →
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Vistaz Enterprises LLC in Hoschton, GA — $350K (2022) · Central Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
2 days
Approved
11/10/2021
First disbursed
11/12/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
23
Business age
Startup, Loan Funds will Open Business
Industry
Gasoline Stations with Convenience Stores
Funded by Central Bank · Lender record →
Your business? Claim this record · Request removal
Feroz & Sons Inc. in Irving, TX — $1.5M (2021) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.3M (90%)
Approved
9/22/2021
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Gasoline Stations with Convenience Stores
Funded by Readycap Lending, LLC · Lender record →
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Three Peaks Corp in Greenville, TX — $830K (2021) · purchase · Central Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$747K (90%)
Approval → funding
5 days
Approved
8/26/2021
First disbursed
8/31/2021
Loan status
Paid in full (1/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
8
Business age
Change of Ownership
Industry
Gasoline Stations with Convenience Stores
If you were the buyer here
Est. deal size
$922K
Est. down payment (10%)
$92K
Est. cash at closing
$126K
Monthly payment
$9,215
Annual debt service
$111K
Cash flow needed (1.25×)
$138K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Central Bank · Lender record →
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Who funds Race Trac — and where

Every dot is a financed Race Trac — 5 mapped.

Financed Race Trac locations — list all 5 as text

Sunora 88 Incorporated — Fort Myers · $575K · FY2023 · Gasoline Stations with Convenience Stores
Vistaz Enterprises LLC — Hoschton · $350K · FY2022 · Gasoline Stations with Convenience Stores
YARO 88 INCORPORATED — Bonita Springs · $641K · FY2022 · Gasoline Stations with Convenience Stores
Three Peaks Corp — Greenville · $830K · FY2021 · Gasoline Stations with Convenience Stores
Feroz & Sons Inc. — Irving · $1.5M · FY2021 · Gasoline Stations with Convenience Stores

Top lenders for this brand

Most active states

1.Florida (2 loans)
2.Texas (2 loans)
3.Georgia (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Race Trac 4 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Race Trac lending specialist.

Common questions

How much does a Race Trac cost to buy or open?

The typical deal for Race Trac is $641K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $71K of buyer cash on a typical deal.

How risky is Race Trac?

Race Trac has 5 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 Race Trac with an SBA loan?

Yes — Race Trac has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Race Trac franchise

Most Race Trac 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 Race Trac deal financed for $641K, which points to about $71K of buyer cash on a typical purchase. Race Trac is listed in the SBA Franchise Directory (identifier S3922), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Race Trac — 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 Race Trac — 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 Race Trac — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Race Trac is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

5 SBA 7(a) deals since 2020
$641K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S3922)
Top lenders: Central Bank, Readycap Lending, LLC

Next steps

Check SBA fit Find 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/race-trac
API:: https://www.capbench.com/api/public/franchises/race-trac
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 Race Trac.