Which has more SBA loans, Coast-To-Coast Store or SERVISTAR?

Coast-To-Coast Store has 115 SBA 7(a) historical approvals; SERVISTAR has 9. Coast-To-Coast Store has the deeper public lender track record, which generally translates into faster pre-qualification and broader lender familiarity.

What is the default rate for Coast-To-Coast Store vs SERVISTAR SBA loans?

Coast-To-Coast Store's SBA default rate is 16.5%, versus 22.2% for SERVISTAR. Coast-To-Coast Store has the cleaner loss profile, which capital sources weigh when pricing the next deal in the brand.

When did Coast-To-Coast Store and SERVISTAR peak in SBA lending volume?

Coast-To-Coast Store's SBA approval peak was 1993 with 21 loans; SERVISTAR's peak was 1994 with 3. A more recent peak (currently SERVISTAR) generally indicates fresher lender appetite and easier financing today.

Which states have the most Coast-To-Coast Store and SERVISTAR SBA loans?

Coast-To-Coast Store leads in IA with 18 SBA-funded units; SERVISTAR leads in OK with 1. The brand that matches your operating state typically closes faster because local lenders already know the unit economics.

Side by Side Comparison

Coast-To-Coast Store vs SERVISTAR

Quick Answer

Coast-To-Coast Store vs SERVISTAR: Coast-To-Coast Store costs $57K to $348K to open; SERVISTAR costs $53K to $258K. Coast-To-Coast Store has 86 units, SERVISTAR has 7. SBA loan history: Coast-To-Coast Store = 115 loans (16.5% default); SERVISTAR = 9 loans (22.2% 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.

Coast-To-Coast Store vs SERVISTAR: 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

SERVISTAR requires the lower minimum capital commitment ($53K vs $57K for Coast-To-Coast Store), a 7% spread.

System Scale & Tenure

On scale, Coast-To-Coast Store operates 86 units to SERVISTAR's 7, roughly 12× the system size.

SBA Lending Profile

Coast-To-Coast Store has the deeper SBA lending track record, with 115 7(a) approvals compared with 9 for SERVISTAR. Coast-To-Coast Store's peak SBA year was 1993 (21 loans); SERVISTAR's peak was 1994 (3 loans). SERVISTAR's more recent peak generally indicates fresher lender appetite. Coast-To-Coast Store has the most SBA funded units in IA, with 18. SERVISTAR leads in OK, with 1. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Coast-To-Coast Store deals is $191K vs $160K for SERVISTAR, useful as a sizing anchor when modeling your own unit.

Risk Signal

SBA default rates are 16.5% for Coast-To-Coast Store and 22.2% for SERVISTAR, Coast-To-Coast Store has the cleaner SBA loss record by 5.7 points. PeerSense FPI scores come in at 41 (Fair) for Coast-To-Coast Store and 29 (Fair) for SERVISTAR, giving Coast-To-Coast Store the stronger composite signal across SBA performance, lender appetite, and operational consistency.

Coast-To-Coast Store

Hardware Stores

41 6W

SERVISTAR

Hardware Stores

Health & Performance

FPI Score	41/100	29/100
Health Tier	Fair	Limited
Confidence	N/A	N/A
Lending Trend	N/A	N/A

SBA Lending

SBA Loans	115	9
SBA Volume	–	–
Default Rate	16.5%	22.2%
Peer Tier	major	emerging

Investment & Costs

Total Investment	$57K to $348K	$53K to $258K
Franchise Fee	$56K	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

System Size & Operations

Total Units	86	7
Franchised Units	86	7
Company Owned	–	–
Term Length	N/A	N/A

Brand Information

Year Founded	1928	N/A
Franchising Since	N/A	N/A
Years Franchising	N/A	N/A
Headquarters	GREENFIELD, IA	FL
Category	Hardware Stores	Hardware Stores
Website	truevaluecompany.com/grow-with-us	truevalue.com
FDD Year	N/A	N/A

Which Is Better, Coast-To-Coast Store or SERVISTAR?

Lower upfront capital required

Tie

Coast-To-Coast Store: $57K starting · SERVISTAR: $53K starting

More SBA lender confidence

Coast-To-Coast Store

Coast-To-Coast Store: 115 SBA loans · SERVISTAR: 9 SBA loans

Lower SBA default rate

Coast-To-Coast Store

Coast-To-Coast Store: 16.5% · SERVISTAR: 22.2%

Larger system & brand presence

Tie

Coast-To-Coast Store: 86 units · SERVISTAR: 7 units

More lender financing options

Coast-To-Coast Store

Coast-To-Coast Store: 68 unique lenders · SERVISTAR: 9 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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Coast-To-Coast Store

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Coast-To-Coast Store vs SERVISTAR: Franchise Funding Comparison

Comparing Coast-To-Coast Store and SERVISTAR is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $53K to $348K.

Coast-To-Coast Store has 115 SBA loans on record and SERVISTAR has 9. Those totals are cumulative history rather than a measure of current appetite. There is not enough recent lending activity on record to judge current appetite for at least one of these brands, so it has to be checked deal by deal.

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.

SBA Loan Guide Franchise Funding Options Best SBA Franchise Lenders All Franchises Talk to PeerSense

Coast-To-Coast Store vs SERVISTAR, Frequently Asked Questions

Which is a better franchise investment, Coast-To-Coast Store or SERVISTAR?

Compare Coast-To-Coast Store vs SERVISTAR franchise costs, FDD data, royalty rates, unit counts, and SBA lending history side by side above. The best franchise depends on your capital, market, and risk tolerance, not a single ranking. Use the decision matrix above to see which brand wins on each financing dimension.

How much does a Coast-To-Coast Store franchise cost compared to SERVISTAR?

Coast-To-Coast Store requires $57K to $348K in total initial investment with a $56K franchise fee. SERVISTAR requires $53K to $258K with a N/A franchise fee. All numbers come from official Franchise Disclosure Document filings.

Can I finance Coast-To-Coast Store or SERVISTAR with an SBA loan?

Both brands appear on the SBA Franchise Directory and have funded SBA 7(a) loans: Coast-To-Coast Store has 115 SBA loans on record; SERVISTAR has 9. SBA 7(a) is the most common franchise financing vehicle, offering up to $5M with 10% down. PeerSense routes your deal to lenders who have already approved the brand.

Which has a lower SBA default rate, Coast-To-Coast Store or SERVISTAR?

Coast-To-Coast Store: 16.5% SBA default rate. SERVISTAR: 22.2% SBA default rate. Lower default rates mean lenders quote tighter rates and underwrite faster.

Compare Coast-To-Coast Store to other franchises Compare SERVISTAR to other franchises Browse all Hardware Stores franchises

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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 October 2, 2026LinkedIn profile About Edward Freeman