Ampm Mini Market- Arco vs TACO TIME INTERNATIONAL
Ampm Mini Market- Arco vs TACO TIME INTERNATIONAL: Ampm Mini Market- Arco costs $340K to $3.9M to open; TACO TIME INTERNATIONAL costs $156K to $824K. Ampm Mini Market- Arco has 64 units, TACO TIME INTERNATIONAL has 65. SBA loan history: Ampm Mini Market- Arco = 79 loans (0.0% default); TACO TIME INTERNATIONAL = 77 loans (26.0% 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 TACO TIME INTERNATIONAL: 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
TACO TIME INTERNATIONAL requires the lower minimum capital commitment ($156K vs $340K for Ampm Mini Market- Arco), a 118% spread.
System Scale & Tenure
On scale, TACO TIME INTERNATIONAL operates 65 units to Ampm Mini Market- Arco's 64. Ampm Mini Market- Arco has been operating 48 years (founded 1978) versus 5 for TACO TIME INTERNATIONAL (founded 2021), a 43-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Ampm Mini Market- Arco has the deeper SBA lending track record, with 79 7(a) approvals compared with 77 for TACO TIME INTERNATIONAL.
Risk Signal
SBA default rates are 0.0% for Ampm Mini Market- Arco and 26.0% for TACO TIME INTERNATIONAL, Ampm Mini Market- Arco has the cleaner SBA loss record by 26.0 points. PeerSense FPI scores come in at 46 (Fair) for Ampm Mini Market- Arco and 28 (Fair) for TACO TIME INTERNATIONAL, 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 | 77 |
SBA Volume | – | – |
Default Rate | 0.0% | 26.0% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $340K to $3.9M | $156K to $824K |
Franchise Fee | N/A | $30K |
Royalty Rate | N/A | 5% |
Ad Fund | N/A | 4% |
Liquid Capital | N/A | $100K |
Net Worth Required | N/A | $250K |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 64 | 65 |
Franchised Units | 64 | 65 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 1978 | 2021 |
Franchising Since | N/A | 1960 |
Years Franchising | N/A | 66 yrs |
Headquarters | TURLOCK, CA | Scottsdale, AZ |
Category | Gasoline Stations with Convenience Stores | Gasoline Stations with Convenience Stores |
Website | ||
FDD Year | N/A | 2024 |
Which Is Better, Ampm Mini Market- Arco or TACO TIME INTERNATIONAL?
Lower upfront capital required
Tie
Ampm Mini Market- Arco: $340K starting · TACO TIME INTERNATIONAL: $156K starting
More SBA lender confidence
Ampm Mini Market- Arco
Ampm Mini Market- Arco: 79 SBA loans · TACO TIME INTERNATIONAL: 77 SBA loans
Lower SBA default rate
Ampm Mini Market- Arco
Ampm Mini Market- Arco: 0.0% · TACO TIME INTERNATIONAL: 26.0%
Larger system & brand presence
Tie
Ampm Mini Market- Arco: 64 units · TACO TIME INTERNATIONAL: 65 units
More lender financing options
TACO TIME INTERNATIONAL
Ampm Mini Market- Arco: 32 unique lenders · TACO TIME INTERNATIONAL: 35 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 TACO TIME INTERNATIONAL: Franchise Funding Comparison
Comparing Ampm Mini Market- Arco and TACO TIME INTERNATIONAL is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $156K to $3.9M.
Ampm Mini Market- Arco has 79 SBA loans on record and TACO TIME INTERNATIONAL has 77. 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 TACO TIME INTERNATIONAL, Frequently Asked Questions
Which is a better franchise investment, Ampm Mini Market- Arco or TACO TIME INTERNATIONAL?
How much does a Ampm Mini Market- Arco franchise cost compared to TACO TIME INTERNATIONAL?
Can I finance Ampm Mini Market- Arco or TACO TIME INTERNATIONAL with an SBA loan?
Which has a lower SBA default rate, Ampm Mini Market- Arco or TACO TIME INTERNATIONAL?
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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