Pick-Em Up Truck Store vs TRUCK OPTIONS
Pick-Em Up Truck Store vs TRUCK OPTIONS: Pick-Em Up Truck Store costs $53K to $479K to open; TRUCK OPTIONS costs $87K to $623K. Pick-Em Up Truck Store has 4 units, TRUCK OPTIONS has 6. SBA loan history: Pick-Em Up Truck Store = 7 loans (42.9% default); TRUCK OPTIONS = 9 loans (22.2% 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.
Pick-Em Up Truck Store vs TRUCK OPTIONS: 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
Pick-Em Up Truck Store requires the lower minimum capital commitment ($53K vs $87K for TRUCK OPTIONS), a 39% spread.
System Scale & Tenure
On scale, TRUCK OPTIONS operates 6 units to Pick-Em Up Truck Store's 4. TRUCK OPTIONS has been operating 41 years (founded 1985) versus 37 for Pick-Em Up Truck Store (founded 1989), a 4-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
TRUCK OPTIONS has the deeper SBA lending track record, with 9 7(a) approvals compared with 7 for Pick-Em Up Truck Store. Pick-Em Up Truck Store's peak SBA year was 2002 (2 loans); TRUCK OPTIONS's peak was 2002 (3 loans). TRUCK OPTIONS's more recent peak generally indicates fresher lender appetite. Pick-Em Up Truck Store has the most SBA funded units in CA, with 4. TRUCK OPTIONS leads in FL, with 9. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Pick-Em Up Truck Store deals is $228K vs $271K for TRUCK OPTIONS, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 42.9% for Pick-Em Up Truck Store and 22.2% for TRUCK OPTIONS, TRUCK OPTIONS has the cleaner SBA loss record by 20.7 points. PeerSense FPI scores come in at 25 (Fair) for Pick-Em Up Truck Store and 16 (Fair) for TRUCK OPTIONS, giving Pick-Em Up Truck Store the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 25/100 | 16/100 |
Health Tier | Limited | Limited |
Confidence | N/A | N/A |
Lending Trend | N/A | Declining |
SBA Lending
SBA Loans | 7 | 9 |
SBA Volume | – | – |
Default Rate | 42.9% | 22.2% |
Peer Tier | emerging | emerging |
Investment & Costs
Total Investment | $53K to $479K | $87K to $623K |
Franchise Fee | N/A | $50K |
Royalty Rate | N/A | 10% |
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 | 4 | 6 |
Franchised Units | 4 | 6 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1989 | 1985 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | ANTIOCH, CA | TALLAHASSEE, FL |
Category | Motor Vehicle Supplies | Motor Vehicle Supplies |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Pick-Em Up Truck Store or TRUCK OPTIONS?
Lower upfront capital required
Tie
Pick-Em Up Truck Store: $53K starting · TRUCK OPTIONS: $87K starting
More SBA lender confidence
TRUCK OPTIONS
Pick-Em Up Truck Store: 7 SBA loans · TRUCK OPTIONS: 9 SBA loans
Lower SBA default rate
TRUCK OPTIONS
Pick-Em Up Truck Store: 42.9% · TRUCK OPTIONS: 22.2%
Larger system & brand presence
Tie
Pick-Em Up Truck Store: 4 units · TRUCK OPTIONS: 6 units
More lender financing options
Pick-Em Up Truck Store
Pick-Em Up Truck Store: 7 unique lenders · TRUCK OPTIONS: 5 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 Pick-Em Up Truck Store or TRUCK OPTIONS?
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
Pick-Em Up Truck Store vs TRUCK OPTIONS: Franchise Funding Comparison
Comparing Pick-Em Up Truck Store and TRUCK OPTIONS is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $53K to $623K.
Pick-Em Up Truck Store has 7 SBA loans on record and TRUCK OPTIONS has 9. 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.
Pick-Em Up Truck Store vs TRUCK OPTIONS, Frequently Asked Questions
Which is a better franchise investment, Pick-Em Up Truck Store or TRUCK OPTIONS?
How much does a Pick-Em Up Truck Store franchise cost compared to TRUCK OPTIONS?
Can I finance Pick-Em Up Truck Store or TRUCK OPTIONS with an SBA loan?
Which has a lower SBA default rate, Pick-Em Up Truck Store or TRUCK OPTIONS?
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