Ampm Mini Market- Arco vs Union 76 Oil
Ampm Mini Market- Arco vs Union 76 Oil: Ampm Mini Market- Arco costs $340K–$3.9M to open; Union 76 Oil costs $227K–$1.8M. Ampm Mini Market- Arco has 64 units, Union 76 Oil has 73. SBA loan history: Ampm Mini Market- Arco = 79 loans (0.0% default); Union 76 Oil = 66 loans (6.1% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet — see the comparison below.
Health & Performance
FPI Score | 46/100 | 38/100 |
Health Tier | Fair | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 79 | 66 |
SBA Volume | — | — |
Default Rate | 0.0% | 6.1% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $340K – $3.9M | $227K – $1.8M |
Franchise Fee | N/A | N/A |
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 | 73 |
Franchised Units | 64 | 73 |
Company-Owned | — | — |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1978 | N/A |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | TURLOCK, CA | OAKLAND, CA |
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 Union 76 Oil?
Lower upfront capital required
Union 76 Oil
Ampm Mini Market- Arco: $340K starting · Union 76 Oil: $227K starting
More SBA lender confidence
Ampm Mini Market- Arco
Ampm Mini Market- Arco: 79 SBA loans · Union 76 Oil: 66 SBA loans
Lower historical default rate
Ampm Mini Market- Arco
Ampm Mini Market- Arco: 0.0% · Union 76 Oil: 6.1%
Larger system & brand presence
Union 76 Oil
Ampm Mini Market- Arco: 64 units · Union 76 Oil: 73 units
More lender financing options
Union 76 Oil
Ampm Mini Market- Arco: 32 unique lenders · Union 76 Oil: 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 Union 76 Oil: Franchise Funding Comparison
Comparing Ampm Mini Market- Arco and Union 76 Oil is about more than brand preference — it's about which franchise fits your financial profile and funding strategy. Investment ranges from $227K to $3.9M.
Both brands have active SBA lending histories — Ampm Mini Market- Arco with 79 SBA loans and Union 76 Oil with 66. 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.