Coast-To-Coast Store vs True Value
Coast-To-Coast Store vs True Value: Coast-To-Coast Store costs $57K–$348K to open; True Value costs $75K–$860K. Coast-To-Coast Store has 86 units, True Value has 239. SBA loan history: Coast-To-Coast Store = 115 loans (16.5% default); True Value = 242 loans (12.8% 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 True Value — 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
Coast-To-Coast Store requires the lower minimum capital commitment ($57K vs $75K for True Value), a 24% spread. Initial franchise fees come in at $56K for Coast-To-Coast Store versus $53K for True Value — True Value has the lower entry fee.
System Scale & Tenure
On scale, True Value operates 239 units to Coast-To-Coast Store's 86 — roughly 3× the system size. Coast-To-Coast Store has been operating 98 years (founded 1928) versus 78 for True Value (founded 1948) — a 20-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
True Value has the deeper SBA lending track record with 242 historical 7(a) approvals versus 115 for Coast-To-Coast Store. Coast-To-Coast Store's peak SBA year was 1993 (21 loans); True Value's peak was 2016 (17 loans). True Value's more recent peak generally indicates fresher lender appetite. Geographically, Coast-To-Coast Store concentrates in IA (18 SBA-funded units) while True Value leads in IL (27) — 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 $391K for True Value — useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 16.5% for Coast-To-Coast Store and 12.8% for True Value — True Value has the cleaner historical loss profile by 3.7 points. PeerSense FPI scores come in at 41 (Fair) for Coast-To-Coast Store and 28 (Fair) for True Value, giving Coast-To-Coast Store the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 41/100 | 28/100 |
Health Tier | Fair | Limited |
Confidence | N/A | N/A |
Lending Trend | N/A | Declining |
SBA Lending
SBA Loans | 115 | 242 |
SBA Volume | — | — |
Default Rate | 16.5% | 12.8% |
Peer Tier | major | major |
Investment & Costs
Total Investment | $57K – $348K | $75K – $860K |
Franchise Fee | $56K | $53K |
Royalty Rate | N/A | N/A |
Ad Fund | N/A | N/A |
Liquid Capital | N/A | $75K |
Net Worth Required | N/A | $150K |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 86 | 239 |
Franchised Units | 86 | 239 |
Company-Owned | — | — |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1928 | 1948 |
Franchising Since | N/A | 1960 |
Years Franchising | N/A | 66 yrs |
Headquarters | GREENFIELD, IA | Chicago, IL |
Category | Hardware Stores | Hardware Stores |
Website | ||
FDD Year | N/A | N/A |
Which Is Better — Coast-To-Coast Store or True Value?
Lower upfront capital required
Coast-To-Coast Store
Coast-To-Coast Store: $57K starting · True Value: $75K starting
More SBA lender confidence
True Value
Coast-To-Coast Store: 115 SBA loans · True Value: 242 SBA loans
Lower historical default rate
True Value
Coast-To-Coast Store: 16.5% · True Value: 12.8%
Larger system & brand presence
True Value
Coast-To-Coast Store: 86 units · True Value: 239 units
More lender financing options
True Value
Coast-To-Coast Store: 68 unique lenders · True Value: 140 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 True Value: Franchise Funding Comparison
Comparing Coast-To-Coast Store and True Value is about more than brand preference — it's about which franchise fits your financial profile and funding strategy. Investment ranges from $57K to $860K.
Both brands have active SBA lending histories — Coast-To-Coast Store with 115 SBA loans and True Value with 242. 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.