Ampm Mini Market- Arco vs Conoco Service Station
Ampm Mini Market- Arco vs Conoco Service Station: Ampm Mini Market- Arco costs $340K to $3.9M to open; Conoco Service Station costs $100K to $1.5M. Ampm Mini Market- Arco has 64 units, Conoco Service Station has 116. SBA loan history: Ampm Mini Market- Arco = 79 loans (0.0% default); Conoco Service Station = 110 loans (13.6% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
Ampm Mini Market- Arco vs Conoco Service Station: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Conoco Service Station requires the lower minimum capital commitment ($100K vs $340K for Ampm Mini Market- Arco), a 240% spread.
System Scale & Tenure
On scale, Conoco Service Station operates 116 units to Ampm Mini Market- Arco's 64. Conoco Service Station has been operating 151 years (founded 1875) versus 48 for Ampm Mini Market- Arco (founded 1978), a 103-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Conoco Service Station has the deeper SBA lending track record, with 110 7(a) approvals compared with 79 for Ampm Mini Market- Arco. Ampm Mini Market- Arco's peak SBA year was 2015 (24 loans); Conoco Service Station's peak was 2012 (14 loans). Ampm Mini Market- Arco's more recent peak generally indicates fresher lender appetite. Ampm Mini Market- Arco has the most SBA funded units in CA, with 67. Conoco Service Station leads in TX, with 33. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Ampm Mini Market- Arco deals is $2.0M vs $776K for Conoco Service Station, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Ampm Mini Market- Arco and 13.6% for Conoco Service Station, Ampm Mini Market- Arco has the cleaner SBA loss record by 13.6 points. PeerSense FPI scores come in at 46 (Fair) for Ampm Mini Market- Arco and 28 (Fair) for Conoco Service Station, giving Ampm Mini Market- Arco the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 46/100 | 28/100 |
Health Tier | Fair | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 79 | 110 |
SBA Volume | – | – |
Default Rate | 0.0% | 13.6% |
Peer Tier | established | major |
Investment & Costs
Total Investment | $340K to $3.9M | $100K to $1.5M |
Franchise Fee | N/A | $26K |
Royalty Rate | N/A | N/A |
Ad Fund | N/A | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 64 | 116 |
Franchised Units | 64 | 116 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1978 | 1875 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | TURLOCK, CA | HOUSTON, TX |
Category | Gasoline Stations with Convenience Stores | Gasoline Stations with Convenience Stores |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Ampm Mini Market- Arco or Conoco Service Station?
Lower upfront capital required
Tie
Ampm Mini Market- Arco: $340K starting · Conoco Service Station: $100K starting
More SBA lender confidence
Conoco Service Station
Ampm Mini Market- Arco: 79 SBA loans · Conoco Service Station: 110 SBA loans
Lower SBA default rate
Ampm Mini Market- Arco
Ampm Mini Market- Arco: 0.0% · Conoco Service Station: 13.6%
Larger system & brand presence
Tie
Ampm Mini Market- Arco: 64 units · Conoco Service Station: 116 units
More lender financing options
Conoco Service Station
Ampm Mini Market- Arco: 32 unique lenders · Conoco Service Station: 63 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
Need Funding for Ampm Mini Market- Arco or Conoco Service Station?
PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.
SBA Lenders & Capital Sources
Retainers or Consulting Fees
10% Down Franchise Loans
About These Franchises
Ampm Mini Market- Arco vs Conoco Service Station: Franchise Funding Comparison
Comparing Ampm Mini Market- Arco and Conoco Service Station is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $100K to $3.9M.
Ampm Mini Market- Arco has 79 SBA loans on record and Conoco Service Station has 110. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
Ampm Mini Market- Arco vs Conoco Service Station, Frequently Asked Questions
Which is a better franchise investment, Ampm Mini Market- Arco or Conoco Service Station?
How much does a Ampm Mini Market- Arco franchise cost compared to Conoco Service Station?
Can I finance Ampm Mini Market- Arco or Conoco Service Station with an SBA loan?
Which has a lower SBA default rate, Ampm Mini Market- Arco or Conoco Service Station?
Talk to PeerSense
Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.
Franchise / SBA 7(a): The desk will reach out. No obligation.
Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman