New Holland Equipment Sales vs Toro Authorized Dealer Agree
New Holland Equipment Sales vs Toro Authorized Dealer Agree: New Holland Equipment Sales costs $464K to $2.8M to open; Toro Authorized Dealer Agree costs $128K to $2.8M. New Holland Equipment Sales has 7 units, Toro Authorized Dealer Agree has 7. SBA loan history: New Holland Equipment Sales = 7 loans (0.0% default); Toro Authorized Dealer Agree = 8 loans (0.0% 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.
New Holland Equipment Sales vs Toro Authorized Dealer Agree: 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
Toro Authorized Dealer Agree requires the lower minimum capital commitment ($128K vs $464K for New Holland Equipment Sales), a 264% spread.
System Scale & Tenure
On scale, Toro Authorized Dealer Agree operates 7 units to New Holland Equipment Sales's 7.
SBA Lending Profile
Toro Authorized Dealer Agree has the deeper SBA lending track record, with 8 7(a) approvals compared with 7 for New Holland Equipment Sales. New Holland Equipment Sales's peak SBA year was 2022 (4 loans); Toro Authorized Dealer Agree's peak was 2022 (6 loans). Toro Authorized Dealer Agree's more recent peak generally indicates fresher lender appetite. New Holland Equipment Sales has the most SBA funded units in ID, with 1. Toro Authorized Dealer Agree leads in MI, with 2. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded New Holland Equipment Sales deals is $1.3M vs $1.2M for Toro Authorized Dealer Agree, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for New Holland Equipment Sales and 0.0% for Toro Authorized Dealer Agree. PeerSense FPI scores come in at 51 (Moderate) for New Holland Equipment Sales and 52 (Moderate) for Toro Authorized Dealer Agree, giving Toro Authorized Dealer Agree the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 51/100 | 52/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 7 | 8 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | emerging | emerging |
Investment & Costs
Total Investment | $464K to $2.8M | $128K to $2.8M |
Franchise Fee | N/A | N/A |
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 | 7 | 7 |
Franchised Units | 7 | 7 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | N/A | 2021 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Arkansas, AR | Bloomington, MN |
Category | Farm | Farm |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, New Holland Equipment Sales or Toro Authorized Dealer Agree?
Lower upfront capital required
Tie
New Holland Equipment Sales: $464K starting · Toro Authorized Dealer Agree: $128K starting
More SBA lender confidence
Toro Authorized Dealer Agree
New Holland Equipment Sales: 7 SBA loans · Toro Authorized Dealer Agree: 8 SBA loans
Lower SBA default rate
Tie
New Holland Equipment Sales: 0.0% · Toro Authorized Dealer Agree: 0.0%
Larger system & brand presence
Tie
New Holland Equipment Sales: 7 units · Toro Authorized Dealer Agree: 7 units
More lender financing options
Tie
New Holland Equipment Sales: 6 unique lenders · Toro Authorized Dealer Agree: 6 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
New Holland Equipment Sales vs Toro Authorized Dealer Agree: Franchise Funding Comparison
Comparing New Holland Equipment Sales and Toro Authorized Dealer Agree is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $128K to $2.8M.
New Holland Equipment Sales has 7 SBA loans on record and Toro Authorized Dealer Agree has 8. 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.
New Holland Equipment Sales vs Toro Authorized Dealer Agree, Frequently Asked Questions
Which is a better franchise investment, New Holland Equipment Sales or Toro Authorized Dealer Agree?
How much does a New Holland Equipment Sales franchise cost compared to Toro Authorized Dealer Agree?
Can I finance New Holland Equipment Sales or Toro Authorized Dealer Agree with an SBA loan?
Which has a lower SBA default rate, New Holland Equipment Sales or Toro Authorized Dealer Agree?
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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