Junk King vs Two Men And A Truck
Junk King vs Two Men And A Truck: Junk King costs $99K to $318K to open; Two Men And A Truck costs $54K to $631K. Junk King has 58 units, Two Men And A Truck has 123. SBA loan history: Junk King = 66 loans (1.5% default); Two Men And A Truck = 180 loans (2.8% 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.
Junk King vs Two Men And A Truck: 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
Two Men And A Truck requires the lower minimum capital commitment ($54K vs $99K for Junk King), a 83% spread. Initial franchise fees come in at $55K for Junk King versus $50K for Two Men And A Truck, Two Men And A Truck has the lower entry fee. Ongoing royalty load is 5% for Junk King and 6% for Two Men And A Truck, giving Junk King the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Two Men And A Truck operates 123 units to Junk King's 58, roughly 2× the system size. Two Men And A Truck has been operating 41 years (founded 1985) versus 21 for Junk King (founded 2005), a 20-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Two Men And A Truck has the deeper SBA lending track record, with 180 7(a) approvals compared with 66 for Junk King. Junk King's peak SBA year was 2018 (12 loans); Two Men And A Truck's peak was 2015 (20 loans). Junk King's more recent peak generally indicates fresher lender appetite. Junk King has the most SBA funded units in CA, with 7. Two Men And A Truck leads in MI, with 35. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Junk King deals is $230K vs $507K for Two Men And A Truck, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 1.5% for Junk King and 2.8% for Two Men And A Truck, Junk King has the cleaner SBA loss record by 1.3 points. PeerSense FPI scores come in at 85 (Excellent) for Junk King and 78 (Strong) for Two Men And A Truck, giving Junk King the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 85/100 | 78/100 |
Health Tier | Excellent | Strong |
Confidence | N/A | N/A |
Lending Trend | Growing | Stable |
SBA Lending
SBA Loans | 66 | 180 |
SBA Volume | – | – |
Default Rate | 1.5% | 2.8% |
Peer Tier | established | major |
Investment & Costs
Total Investment | $99K to $318K | $54K to $631K |
Franchise Fee | $55K | $50K |
Royalty Rate | 5% | 6% |
Ad Fund | 3% | 1% |
Liquid Capital | N/A | $150K |
Net Worth Required | N/A | $400K |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 58 | 123 |
Franchised Units | 58 | 123 |
Company Owned | – | – |
Term Length | 15 yrs | 10 yrs |
Brand Information
Year Founded | 2005 | 1985 |
Franchising Since | 2023 | 2022 |
Years Franchising | 3 yrs | 4 yrs |
Headquarters | Waco, TX | LIVONIA, MI |
Category | Used Household | Used Household |
Website | ||
FDD Year | 2026 | 2025 |
Which Is Better, Junk King or Two Men And A Truck?
Lower upfront capital required
Two Men And A Truck
Junk King: $99K starting · Two Men And A Truck: $54K starting
More SBA lender confidence
Two Men And A Truck
Junk King: 66 SBA loans · Two Men And A Truck: 180 SBA loans
Lower SBA default rate
Junk King
Junk King: 1.5% · Two Men And A Truck: 2.8%
Larger system & brand presence
Two Men And A Truck
Junk King: 58 units · Two Men And A Truck: 123 units
Lower ongoing royalty load
Junk King
Junk King: 5% · Two Men And A Truck: 6%
More lender financing options
Two Men And A Truck
Junk King: 27 unique lenders · Two Men And A Truck: 59 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 Junk King or Two Men And A Truck?
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
Junk King vs Two Men And A Truck: Franchise Funding Comparison
Comparing Junk King and Two Men And A Truck is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $54K to $631K.
Junk King has 66 SBA loans on record and Two Men And A Truck has 180. Those totals are cumulative history rather than a measure of current appetite. Both brands have an established underwriting path, though the lender that fits a specific deal still depends on its size, location and the buyer.
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.
Junk King vs Two Men And A Truck, Frequently Asked Questions
Which is a better franchise investment, Junk King or Two Men And A Truck?
How much does a Junk King franchise cost compared to Two Men And A Truck?
Can I finance Junk King or Two Men And A Truck with an SBA loan?
Which has a lower SBA default rate, Junk King or Two Men And A Truck?
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; 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 LinkedIn profileAbout Edward Freeman