Which has more SBA loans, Coast-To-Coast Store or Snap-On-Tools?

Coast-To-Coast Store has 115 SBA 7(a) historical approvals; Snap-On-Tools has 188. Snap-On-Tools 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 Snap-On-Tools SBA loans?

Coast-To-Coast Store's SBA default rate is 16.5%, versus 9.0% for Snap-On-Tools. Snap-On-Tools has the cleaner loss profile, which capital sources weigh when pricing the next deal in the brand.

When did Coast-To-Coast Store and Snap-On-Tools peak in SBA lending volume?

Coast-To-Coast Store's SBA approval peak was 1993 with 21 loans; Snap-On-Tools's peak was 2001 with 17. A more recent peak (currently Snap-On-Tools) generally indicates fresher lender appetite and easier financing today.

Which states have the most Coast-To-Coast Store and Snap-On-Tools SBA loans?

Coast-To-Coast Store leads in IA with 18 SBA-funded units; Snap-On-Tools leads in OH with 20. 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 Snap-On-Tools

Q: Which is a better franchise investment, Coast-To-Coast Store or Snap-On-Tools?

Coast-To-Coast Store vs Snap-On-Tools: compare initial investment, royalty rate, unit count, SBA lending history, default rate, and PeerSense FPI score side by side. The right answer depends on your capital, target market, and risk tolerance, not on which brand ranks higher in a list.

Q: How much does a Coast-To-Coast Store franchise cost compared to Snap-On-Tools?

Coast-To-Coast Store requires a total initial investment of $57K to $348K while Snap-On-Tools requires $21K to $161K. Snap-On-Tools has the lower minimum capital commitment. Franchise fee, royalty percentage, and advertising fees vary independently, see the comparison table below for the full FDD breakdown.

Quick Answer

Coast-To-Coast Store vs Snap-On-Tools: Coast-To-Coast Store costs $57K to $348K to open; Snap-On-Tools costs $21K to $161K. Coast-To-Coast Store has 86 units, Snap-On-Tools has 155. SBA loan history: Coast-To-Coast Store = 115 loans (16.5% default); Snap-On-Tools = 188 loans (9.0% 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.

Coast-To-Coast Store vs Snap-On-Tools: 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

Snap-On-Tools requires the lower minimum capital commitment ($21K vs $57K for Coast-To-Coast Store), a 166% spread. Initial franchise fees come in at $56K for Coast-To-Coast Store versus $25K for Snap-On-Tools, Snap-On-Tools has the lower entry fee.

System Scale & Tenure

On scale, Snap-On-Tools operates 155 units to Coast-To-Coast Store's 86. Snap-On-Tools has been operating 106 years (founded 1920) versus 98 for Coast-To-Coast Store (founded 1928), a 8-year tenure gap that affects unit-economics maturity and FDD revision history.

SBA Lending Profile

Snap-On-Tools has the deeper SBA lending track record, with 188 7(a) approvals compared with 115 for Coast-To-Coast Store. Coast-To-Coast Store's peak SBA year was 1993 (21 loans); Snap-On-Tools's peak was 2001 (17 loans). Snap-On-Tools's more recent peak generally indicates fresher lender appetite. Coast-To-Coast Store has the most SBA funded units in IA, with 18. Snap-On-Tools leads in OH, with 20. 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 $93K for Snap-On-Tools, useful as a sizing anchor when modeling your own unit.

Risk Signal

SBA default rates are 16.5% for Coast-To-Coast Store and 9.0% for Snap-On-Tools, Snap-On-Tools has the cleaner SBA loss record by 7.5 points. PeerSense FPI scores come in at 41 (Fair) for Coast-To-Coast Store and 36 (Fair) for Snap-On-Tools, giving Coast-To-Coast Store the stronger composite signal across SBA performance, lender appetite, and operational consistency.

Coast-To-Coast Store

Hardware Stores

Snap-On-Tools

Hardware Stores

36 7W

Health & Performance

FPI Score	41/100	36/100
Health Tier	Fair	Fair
Confidence	N/A	N/A
Lending Trend	N/A	Declining

SBA Lending

SBA Loans	115	188
SBA Volume	–	–
Default Rate	16.5%	9.0%
Peer Tier	major	major

Investment & Costs

Total Investment	$57K to $348K	$21K to $161K
Franchise Fee	$56K	$25K
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	155
Franchised Units	86	155
Company Owned	–	–
Term Length	N/A	10 yrs

Brand Information

Year Founded	1928	1920
Franchising Since	N/A	N/A
Years Franchising	N/A	N/A
Headquarters	GREENFIELD, IA	GENEVA, OH
Category	Hardware Stores	Hardware Stores
Website	truevaluecompany.com/grow-with-us	snapon.com
FDD Year	N/A	N/A

Which Is Better, Coast-To-Coast Store or Snap-On-Tools?

Lower upfront capital required

Tie

Coast-To-Coast Store: $57K starting · Snap-On-Tools: $21K starting

More SBA lender confidence

Snap-On-Tools

Coast-To-Coast Store: 115 SBA loans · Snap-On-Tools: 188 SBA loans

Lower SBA default rate

Snap-On-Tools

Coast-To-Coast Store: 16.5% · Snap-On-Tools: 9.0%

Larger system & brand presence

Tie

Coast-To-Coast Store: 86 units · Snap-On-Tools: 155 units

More lender financing options

Snap-On-Tools

Coast-To-Coast Store: 68 unique lenders · Snap-On-Tools: 83 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 vs Snap-On-Tools: Franchise Funding Comparison

Comparing Coast-To-Coast Store and Snap-On-Tools is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $21K to $348K.

Coast-To-Coast Store has 115 SBA loans on record and Snap-On-Tools has 188. 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.

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

Coast-To-Coast Store vs Snap-On-Tools, Frequently Asked Questions

Which is a better franchise investment, Coast-To-Coast Store or Snap-On-Tools?

Compare Coast-To-Coast Store vs Snap-On-Tools 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 Snap-On-Tools?

Coast-To-Coast Store requires $57K to $348K in total initial investment with a $56K franchise fee. Snap-On-Tools requires $21K to $161K with a $25K franchise fee. All numbers come from official Franchise Disclosure Document filings.

Can I finance Coast-To-Coast Store or Snap-On-Tools 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; Snap-On-Tools has 188. 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 Snap-On-Tools?

Coast-To-Coast Store: 16.5% SBA default rate. Snap-On-Tools: 9.0% SBA default rate. Lower default rates mean lenders quote tighter rates and underwrite faster.

Compare Coast-To-Coast Store to other franchises Compare Snap-On-Tools 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; it does not lend, fund, or approve loans, and 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