Arco (BP) resales: SBA acquisition loan data
Since FY2018, SBA lenders have approved 12 7(a) loans to buy an existing business operating under a Arco (BP) brand or supply agreement (classified mostly as Gasoline Stations with Convenience Stores), totaling $21.5M. The median loan was $988,250, 53% higher than the $645,250 median for all SBA-financed acquisitions. 1 of these loans were approved in the last two fiscal years.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of Arco (BP) resale loans landed between $500,000 and $2,870,625.
- Lender experience exists. United Prairie Bank alone has financed 4 Arco (BP) resales.
- Guaranty. The SBA guaranteed 77% of the dollars lent here.
- What the file leaves out. The SBA file does not record the terms of the brand or supply agreement.
Financing an Arco (BP) resale
The median SBA 7(a) loan for an Arco (BP) resale was $988,250 across 12 loans (FY2018 to FY2026). United Prairie Bank, Bank of Hope and Celtic Bank Corporation have financed the most Arco (BP) resales. Too few of these loans are old enough to measure a charge-off rate; the average for all SBA acquisition loans is 3.5%.
Arco (BP) acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 1 | $1.7M | $1,700,000 | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 2 | $7.8M | $3,906,250 | |
| FY2021 | 5 | $3M | $568,000 | |
| FY2022 | 0 | $0 | - | |
| FY2023 | 0 | $0 | - | |
| FY2024 | 3 | $4M | $500,000 | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 1 | $5M | $5,000,000 |
How often do these acquisition loans fail?
Fewer than 20 Arco (BP) acquisition loans are old enough to measure losses reliably, so no charge-off rate is shown. The benchmark across all SBA acquisition loans in the FY2018 to FY2021 cohort is 3.5% by count. Non-acquisition 7(a) loans (every other stated purpose) approved FY2018 to FY2021 charged off at 6.2%.
"Charged off" is the SBA's final loss action on a defaulted loan after collection efforts. It lags default by a year or more, which is why only older cohorts are measured. It is not the same as a delinquency rate, and loans still outstanding can still fail. See charge-off in the glossary.
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Lenders financing Arco (BP) resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | United Prairie Bank | 4 | 33.3% | $1.8M | |
| 2 | Bank of Hope | 2 | 16.7% | $4M | |
| 3 | Celtic Bank Corporation | 1 | 8.3% | $5M | |
| 4 | PCB Bank | 1 | 8.3% | $5M | |
| 5 | Commonwealth Business Bank | 1 | 8.3% | $3M | |
| 6 | UniBank | 1 | 8.3% | $1.7M | |
| 7 | American Continental Bank | 1 | 8.3% | $500K | |
| 8 | Firstrust Savings Bank | 1 | 8.3% | $500K |
States where Arco (BP) units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 5 | 41.7% | $12.5M | |
| 2 | Minnesota | 4 | 33.3% | $1.8M | |
| 3 | Washington | 2 | 16.7% | $6.7M | |
| 4 | New Jersey | 1 | 8.3% | $500K |
Terms signed in the LOI shape the purchase agreement that follows.
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Questions buyers ask
How much do buyers borrow to buy a business operating under a Arco (BP) brand or supply agreement?
The median SBA 7(a) loan for an Arco (BP) resale was $988,250 across 12 loans (FY2018 to FY2026). The middle half of loans ran from $500,000 to $2,870,625. The loan excludes the buyer's equity and any seller note and may include working capital, so the price is usually higher than the loan.
Which banks finance Arco (BP) acquisitions?
United Prairie Bank has made the most SBA acquisition loans for Arco (BP) (4, 33% of the total). Bank of Hope, Celtic Bank Corporation, PCB Bank follow.
What interest rate and term do Arco (BP) acquisition loans carry?
The average initial rate at approval was 6.27% (a blend of fixed and variable loans across several rate environments, so treat it as context, not a quote). The median term was 14 years.
Is an Arco (BP) resale riskier than other SBA-financed acquisitions?
Too few Arco (BP) acquisition loans are old enough to measure. The benchmark for all SBA acquisition loans is 3.5% charged off in the FY2018 to FY2021 cohort.
Where are Arco (BP) units being bought with SBA loans?
California (5), Minnesota (4), Washington (2), New Jersey (1). State counts follow where the brand has units and where SBA lending is most active generally; see the state pages for the overall picture.
Terms signed in the LOI shape the purchase agreement that follows.
Request Engagement AssessmentAlex Lubyansky leads every engagement.
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Related
- All Gasoline Stations with Convenience Stores acquisitions
- California acquisitions
- Minnesota acquisitions
- Washington acquisitions
- United Prairie Bank
- Bank of Hope
- Celtic Bank Corporation
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Arco (BP) Contract Dealer Gasoline Agreement - Fuel Only" (franchise code S2102). Figures are aggregates of public SBA data and are not provided or endorsed by the brand owner or supplier.