Williams Oil Company - (Citgo), 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 S2307)

1 deals since 2020 · typical deal $1.9M

Deals since 2020

$1.9M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Williams Oil Company - (Citgo) has 1 SBA deal 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 Williams Oil Company - (Citgo)

Most Williams Oil Company - (Citgo) deals financed between $1.94M and $1.94M. Above $1.94M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$1.94M

Monthly payment (10-yr): $25,317
Down payment (10%): $215K
Cash to close (all-in): $296K

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 ~$296K)

Experience

Recent financings

SID CONVENIENCE CORP in White Lake, NY — $1.9M (2021) · purchase · Metro City Bank
Program
Preferred Lenders Program
Rate at approval
4.75% variable
Term
300 mo (25 yrs)
SBA guaranteed
$1.7M (90%)
Approval → funding
57 days
Approved
7/29/2021
First disbursed
9/24/2021
Loan status
Paid in full (12/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Change of Ownership
Industry
Gasoline Stations with Convenience Stores
If you were the buyer here
Est. deal size
$2.2M
Est. down payment (10%)
$215K
Est. cash at closing
$296K
Monthly payment
$11,037
Annual debt service
$132K
Cash flow needed (1.25×)
$166K
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 Metro City Bank · Lender record →
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Who funds Williams Oil Company - (Citgo) — and where

Every dot is a financed Williams Oil Company - (Citgo) — 1 mapped.

Financed Williams Oil Company - (Citgo) locations — list all 1 as text

SID CONVENIENCE CORP — White Lake · $1.9M · FY2021 · Gasoline Stations with Convenience Stores

Top lenders for this brand

1.Metro City Bank(1)

Most active states

1.New York (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Williams Oil Company - (Citgo) 1 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 Williams Oil Company - (Citgo) lending specialist.

Common questions

How much does a Williams Oil Company - (Citgo) cost to buy or open?

The typical deal for Williams Oil Company - (Citgo) is $1.9M across 1 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $213K of buyer cash on a typical deal.

How risky is Williams Oil Company - (Citgo)?

Williams Oil Company - (Citgo) has 1 SBA loan 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 Williams Oil Company - (Citgo) with an SBA loan?

Yes — Williams Oil Company - (Citgo) 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 Williams Oil Company - (Citgo) franchise

Most Williams Oil Company - (Citgo) 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 Williams Oil Company - (Citgo) deal financed for $1.9M, which points to about $213K of buyer cash on a typical purchase. Williams Oil Company - (Citgo) is listed in the SBA Franchise Directory (identifier S2307), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Williams Oil Company - (Citgo) — 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 Williams Oil Company - (Citgo) — 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 Williams Oil Company - (Citgo) — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Williams Oil Company - (Citgo) is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

1 SBA 7(a) deal since 2020
$1.9M typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S2307)
Top lenders: Metro City Bank

Next steps

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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/williams-oil-company-citgo
API:: https://www.capbench.com/api/public/franchises/williams-oil-company-citgo
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 Williams Oil Company - (Citgo).