Ampm Mini Market- Arco vs Exxon
Ampm Mini Market- Arco vs Exxon: Ampm Mini Market- Arco costs $340K–$3.9M to open; Exxon costs $65K–$1.4M. Ampm Mini Market- Arco has 64 units, Exxon has 204. SBA loan history: Ampm Mini Market- Arco = 79 loans (0.0% default); Exxon = 170 loans (6.5% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet — see the comparison below.
Ampm Mini Market- Arco vs Exxon — Capital, Scale & Lending Analysis
Data-driven differentiation pulled from 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
Exxon requires the lower minimum capital commitment ($65K vs $340K for Ampm Mini Market- Arco), a 423% spread.
System Scale & Tenure
On scale, Exxon operates 204 units to Ampm Mini Market- Arco's 64 — roughly 3× the system size. Ampm Mini Market- Arco has been operating 48 years (founded 1978) versus 18 for Exxon (founded 2008) — a 30-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Exxon has the deeper SBA lending track record with 170 historical 7(a) approvals versus 79 for Ampm Mini Market- Arco. Ampm Mini Market- Arco's peak SBA year was 2015 (24 loans); Exxon's peak was 1994 (15 loans). Ampm Mini Market- Arco's more recent peak generally indicates fresher lender appetite. Geographically, Ampm Mini Market- Arco concentrates in CA (67 SBA-funded units) while Exxon leads in TX (61) — pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded Ampm Mini Market- Arco deals is $2.0M vs $661K for Exxon — useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Ampm Mini Market- Arco and 6.5% for Exxon — Ampm Mini Market- Arco has the cleaner historical loss profile by 6.5 points. PeerSense FPI scores come in at 46 (Fair) for Ampm Mini Market- Arco and 42 (Fair) for Exxon, giving Ampm Mini Market- Arco the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 46/100 | 42/100 |
Health Tier | Fair | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 79 | 170 |
SBA Volume | — | — |
Default Rate | 0.0% | 6.5% |
Peer Tier | established | major |
Investment & Costs
Total Investment | $340K – $3.9M | $65K – $1.4M |
Franchise Fee | N/A | $50K |
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 | 204 |
Franchised Units | 64 | 204 |
Company-Owned | — | — |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1978 | 2008 |
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 Exxon?
Lower upfront capital required
Exxon
Ampm Mini Market- Arco: $340K starting · Exxon: $65K starting
More SBA lender confidence
Exxon
Ampm Mini Market- Arco: 79 SBA loans · Exxon: 170 SBA loans
Lower historical default rate
Ampm Mini Market- Arco
Ampm Mini Market- Arco: 0.0% · Exxon: 6.5%
Larger system & brand presence
Exxon
Ampm Mini Market- Arco: 64 units · Exxon: 204 units
More lender financing options
Exxon
Ampm Mini Market- Arco: 32 unique lenders · Exxon: 86 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.
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About These Franchises
Ampm Mini Market- Arco vs Exxon: Franchise Funding Comparison
Comparing Ampm Mini Market- Arco and Exxon is about more than brand preference — it's about which franchise fits your financial profile and funding strategy. Investment ranges from $65K to $3.9M.
Both brands have active SBA lending histories — Ampm Mini Market- Arco with 79 SBA loans and Exxon with 170. This means proven lender acceptance and established underwriting paths for franchise buyers.
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.