Convenience America vs Street Corner
Convenience America vs Street Corner: Convenience America costs $64K to $192K to open; Street Corner costs $128K to $702K. Convenience America has 4 units, Street Corner has 23. SBA loan history: Convenience America = 8 loans (37.5% default); Street Corner = 23 loans (39.1% 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.
Convenience America vs Street Corner: 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
Convenience America requires the lower minimum capital commitment ($64K vs $128K for Street Corner), a 50% spread.
System Scale & Tenure
On scale, Street Corner operates 23 units to Convenience America's 4, roughly 6× the system size.
SBA Lending Profile
Street Corner has the deeper SBA lending track record, with 23 7(a) approvals compared with 8 for Convenience America. Convenience America's peak SBA year was 2001 (3 loans); Street Corner's peak was 2003 (5 loans). Street Corner's more recent peak generally indicates fresher lender appetite. Convenience America has the most SBA funded units in NJ, with 5. Street Corner leads in OH, with 3. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Convenience America deals is $119K vs $175K for Street Corner, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 37.5% for Convenience America and 39.1% for Street Corner, Convenience America has the cleaner SBA loss record by 1.6 points. PeerSense FPI scores come in at 16 (Fair) for Convenience America and 30 (Fair) for Street Corner, giving Street Corner the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 16/100 | 30/100 |
Health Tier | Limited | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 8 | 23 |
SBA Volume | – | – |
Default Rate | 37.5% | 39.1% |
Peer Tier | emerging | growing |
Investment & Costs
Total Investment | $64K to $192K | $128K to $702K |
Franchise Fee | N/A | $30K |
Royalty Rate | N/A | 5% |
Ad Fund | N/A | 1% |
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 | 4 | 23 |
Franchised Units | 4 | 23 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | N/A | N/A |
Franchising Since | N/A | 1995 |
Years Franchising | N/A | 31 yrs |
Headquarters | UNION (UNIONBURY), NJ | Arizona, AZ |
Category | Convenience Stores | Convenience Stores |
Website | ||
FDD Year | N/A | 2026 |
Which Is Better, Convenience America or Street Corner?
Lower upfront capital required
Tie
Convenience America: $64K starting · Street Corner: $128K starting
More SBA lender confidence
Street Corner
Convenience America: 8 SBA loans · Street Corner: 23 SBA loans
Lower SBA default rate
Convenience America
Convenience America: 37.5% · Street Corner: 39.1%
Larger system & brand presence
Tie
Convenience America: 4 units · Street Corner: 23 units
More lender financing options
Street Corner
Convenience America: 4 unique lenders · Street Corner: 15 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.
Need Funding for Convenience America or Street Corner?
PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.
SBA Lenders & Capital Sources
Retainers or Consulting Fees
10% Down Franchise Loans
About These Franchises
Convenience America vs Street Corner: Franchise Funding Comparison
Comparing Convenience America and Street Corner is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $64K to $702K.
Convenience America has 8 SBA loans on record and Street Corner has 23. 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.
Convenience America vs Street Corner, Frequently Asked Questions
Which is a better franchise investment, Convenience America or Street Corner?
How much does a Convenience America franchise cost compared to Street Corner?
Can I finance Convenience America or Street Corner with an SBA loan?
Which has a lower SBA default rate, Convenience America or Street Corner?
Talk to PeerSense
Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.
Franchise / SBA 7(a): The desk will reach out. No obligation.
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 LinkedIn profileAbout Edward Freeman