Crown Trophy vs Pinch-A-Penny
Crown Trophy vs Pinch-A-Penny: Crown Trophy costs $38K–$419K to open; Pinch-A-Penny costs $49K–$735K. Crown Trophy has 44 units, Pinch-A-Penny has 33. SBA loan history: Crown Trophy = 57 loans (7.0% default); Pinch-A-Penny = 44 loans (9.1% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet — see the comparison below.
Health & Performance
FPI Score | 46/100 | 32/100 |
Health Tier | Fair | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 57 | 44 |
SBA Volume | — | — |
Default Rate | 7.0% | 9.1% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $38K – $419K | $49K – $735K |
Franchise Fee | $35K | $34K |
Royalty Rate | 5% | 6% |
Ad Fund | 2% | 4% |
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 | 44 | 33 |
Franchised Units | 44 | 33 |
Company-Owned | — | — |
Term Length | 10 yrs | 5 yrs |
Brand Information
Year Founded | 1978 | 1975 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Hawthorne, NY | POMPANO BEACH, FL |
Category | All Other Miscellaneous Store Retailers | All Other Miscellaneous Store Retailers |
Website | ||
FDD Year | 2025 | N/A |
Which Is Better — Crown Trophy or Pinch-A-Penny?
Lower upfront capital required
Crown Trophy
Crown Trophy: $38K starting · Pinch-A-Penny: $49K starting
More SBA lender confidence
Crown Trophy
Crown Trophy: 57 SBA loans · Pinch-A-Penny: 44 SBA loans
Lower historical default rate
Crown Trophy
Crown Trophy: 7.0% · Pinch-A-Penny: 9.1%
Larger system & brand presence
Crown Trophy
Crown Trophy: 44 units · Pinch-A-Penny: 33 units
Lower ongoing royalty load
Crown Trophy
Crown Trophy: 5% · Pinch-A-Penny: 6%
More lender financing options
Crown Trophy
Crown Trophy: 37 unique lenders · Pinch-A-Penny: 17 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
Crown Trophy vs Pinch-A-Penny: Franchise Funding Comparison
Comparing Crown Trophy and Pinch-A-Penny is about more than brand preference — it's about which franchise fits your financial profile and funding strategy. Investment ranges from $38K to $735K.
Both brands have active SBA lending histories — Crown Trophy with 57 SBA loans and Pinch-A-Penny with 44. 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.