Coast-To-Coast Store vs Snap-On-Tools
Coast-To-Coast Store vs Snap-On-Tools: Coast-To-Coast Store costs $57K–$348K to open; Snap-On-Tools costs $21K–$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, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
Coast-To-Coast Store vs Snap-On-Tools: 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
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 historical 7(a) approvals versus 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. Geographically, Coast-To-Coast Store concentrates in IA (18 SBA-funded units) while Snap-On-Tools leads in OH (20). Pick the brand whose strongest state matches yours for warmest 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 historical loss profile 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.
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 – $348K | $21K – $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 | 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 | ||
FDD Year | N/A | N/A |
Which Is Better, Coast-To-Coast Store or Snap-On-Tools?
Lower upfront capital required
Snap-On-Tools
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 historical default rate
Snap-On-Tools
Coast-To-Coast Store: 16.5% · Snap-On-Tools: 9.0%
Larger system & brand presence
Snap-On-Tools
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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About These Franchises
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.
Both brands have active SBA lending histories, Coast-To-Coast Store with 115 SBA loans and Snap-On-Tools with 188. 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.
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?
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