Valley Pacific Petroleum Services resales: SBA acquisition loan data
Since FY2018, SBA lenders have approved 6 7(a) loans to buy an existing business operating under a Valley Pacific Petroleum Services brand or supply agreement (classified mostly as Gasoline Stations with Convenience Stores), totaling $11.4M. The median loan was $1,497,500, 132% higher than the $645,250 median for all SBA-financed acquisitions. 1 of these loans were approved in the last two fiscal years.
Seller note standby terms and third-party consents are reviewed before closing.
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What this tells a buyer
- Price range to expect. Loan size tracks purchase price. Half of Valley Pacific Petroleum Services resale loans landed between $1,264,000 and $2,347,500.
- Lender experience exists. US Metro Bank alone has financed 1 Valley Pacific Petroleum Services 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 a Valley Pacific Petroleum Services resale
The median SBA 7(a) loan for a Valley Pacific Petroleum Services resale was $1,497,500 across 6 loans (FY2018 to FY2026). US Metro Bank, American Continental Bank and United Business Bank have financed the most Valley Pacific Petroleum Services 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%.
Valley Pacific Petroleum Services acquisition loans by year
| Fiscal year | Loans | Total approved | Median loan | |
|---|---|---|---|---|
| FY2018 | 0 | $0 | - | |
| FY2019 | 0 | $0 | - | |
| FY2020 | 1 | $1.7M | $1,650,000 | |
| FY2021 | 1 | $1.2M | $1,237,000 | |
| FY2022 | 1 | $845K | $845,000 | |
| FY2023 | 2 | $6.3M | $3,150,000 | |
| FY2024 | 0 | $0 | - | |
| FY2025 | 0 | $0 | - | |
| FY2026 | 1 | $1.3M | $1,345,000 |
How often do these acquisition loans fail?
Fewer than 20 Valley Pacific Petroleum Services 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.
Seller note standby terms and third-party consents are reviewed before closing.
Submit Transaction DetailsAlex Lubyansky leads every engagement.
Lenders financing Valley Pacific Petroleum Services resales
| # | Lender | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | US Metro Bank | 1 | 16.7% | $3.7M | |
| 2 | American Continental Bank | 1 | 16.7% | $2.6M | |
| 3 | United Business Bank | 1 | 16.7% | $1.7M | |
| 4 | East West Bank | 1 | 16.7% | $1.3M | |
| 5 | Commonwealth Business Bank | 1 | 16.7% | $1.2M | |
| 6 | Mission Valley Bank | 1 | 16.7% | $845K |
States where Valley Pacific Petroleum Services units are bought
| # | State | Loans | Share | Dollars | |
|---|---|---|---|---|---|
| 1 | California | 6 | 100.0% | $11.4M |
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 Valley Pacific Petroleum Services brand or supply agreement?
The median SBA 7(a) loan for a Valley Pacific Petroleum Services resale was $1,497,500 across 6 loans (FY2018 to FY2026). The middle half of loans ran from $1,264,000 to $2,347,500. 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 Valley Pacific Petroleum Services acquisitions?
US Metro Bank has made the most SBA acquisition loans for Valley Pacific Petroleum Services (1, 17% of the total). American Continental Bank, United Business Bank, East West Bank follow.
What interest rate and term do Valley Pacific Petroleum Services acquisition loans carry?
The average initial rate at approval was 6.46% (a blend of fixed and variable loans across several rate environments, so treat it as context, not a quote). The median term was 25 years.
Is a Valley Pacific Petroleum Services resale riskier than other SBA-financed acquisitions?
Too few Valley Pacific Petroleum Services 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 Valley Pacific Petroleum Services units being bought with SBA loans?
California (6). 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
- US Metro Bank
- American Continental Bank
- United Business Bank
- All franchise brands
Brand name as recorded by lenders in the SBA file: "Valley Pacific Petroleum Services, Inc. - Contract of Sale - Branded Chevron Fuel and Lubricant Products and Related Services" (franchise code S2646). Figures are aggregates of public SBA data and are not provided or endorsed by the brand owner or supplier.