SBA 7(a)/504 FOIA · FY1991–PRESENT · IDAHO
Phillips 66 franchise in Idaho: what the public record shows
Franchisees of Phillips 66 in Idaho have taken 6 SBA loans since 1991 (average $985,791)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 9.6% is the better guide.
Loans in ID
6
Resolved
3
Local charge-off
thin
National charge-off
9.6%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = ID. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor of 30 loans.
Businesses in this industry
664
statewide, all operators
Per 100k residents
33.2
national 30.2
Versus the country
+10%
denser
Every business in Phillips 66's industry operating in Idaho — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
| System | Loans in ID | Local charge-off | Units in ID |
|---|---|---|---|
| Chevron (Gas Station) | 25 | 0.0% | — |
| Texaco Service Station | 14 | 9.1% | — |
| Exxon | 13 | thin | — |
| Grease Monkey | 10 | thin | — |
| Meineke | 10 | 50.0% | — |
| JIFFY LUBE | 7 | thin | 22 |
| Aamco Transmissions | 6 | thin | — |
Same sector, same state, same public records — how Phillips 66 compares to the systems a buyer in Idaho would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing Phillips 66's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →