Piggly Wiggly vs Save - A - Lot
Piggly Wiggly vs Save - A - Lot: Piggly Wiggly costs $340K to $596K to open; Save - A - Lot costs $140K to $775K. Piggly Wiggly has 55 units, Save - A - Lot has 37. SBA loan history: Piggly Wiggly = 69 loans (8.7% default); Save - A - Lot = 41 loans (7.3% 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.
Piggly Wiggly vs Save - A - Lot: 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
Save - A - Lot requires the lower minimum capital commitment ($140K vs $340K for Piggly Wiggly), a 143% spread.
System Scale & Tenure
On scale, Piggly Wiggly operates 55 units to Save - A - Lot's 37. Piggly Wiggly has been operating 77 years (founded 1949) versus 49 for Save - A - Lot (founded 1977), a 28-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Piggly Wiggly has the deeper SBA lending track record, with 69 7(a) approvals compared with 41 for Save - A - Lot.
Risk Signal
SBA default rates are 8.7% for Piggly Wiggly and 7.3% for Save - A - Lot, Save - A - Lot has the cleaner SBA loss record by 1.4 points. PeerSense FPI scores come in at 61 (Moderate) for Piggly Wiggly and 40 (Fair) for Save - A - Lot, giving Piggly Wiggly the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 61/100 | 40/100 |
Health Tier | Moderate | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 69 | 41 |
SBA Volume | – | – |
Default Rate | 8.7% | 7.3% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $340K to $596K | $140K to $775K |
Franchise Fee | $30K | N/A |
Royalty Rate | 4% | N/A |
Ad Fund | 2% | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 55 | 37 |
Franchised Units | 55 | 37 |
Company Owned | – | – |
Term Length | 5 yrs | N/A |
Brand Information
Year Founded | 1949 | 1977 |
Franchising Since | 2025 | N/A |
Years Franchising | 1 yrs | N/A |
Headquarters | Keene, NH | Benzonia, MI |
Category | Supermarkets | Supermarkets |
Website | ||
FDD Year | 2026 | N/A |
Which Is Better, Piggly Wiggly or Save - A - Lot?
Lower upfront capital required
Tie
Piggly Wiggly: $340K starting · Save - A - Lot: $140K starting
More SBA lender confidence
Piggly Wiggly
Piggly Wiggly: 69 SBA loans · Save - A - Lot: 41 SBA loans
Lower SBA default rate
Save - A - Lot
Piggly Wiggly: 8.7% · Save - A - Lot: 7.3%
Larger system & brand presence
Tie
Piggly Wiggly: 55 units · Save - A - Lot: 37 units
More lender financing options
Piggly Wiggly
Piggly Wiggly: 35 unique lenders · Save - A - Lot: 28 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
Piggly Wiggly vs Save - A - Lot: Franchise Funding Comparison
Comparing Piggly Wiggly and Save - A - Lot is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $140K to $775K.
Piggly Wiggly has 69 SBA loans on record and Save - A - Lot has 41. 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.
Piggly Wiggly vs Save - A - Lot, Frequently Asked Questions
Which is a better franchise investment, Piggly Wiggly or Save - A - Lot?
How much does a Piggly Wiggly franchise cost compared to Save - A - Lot?
Can I finance Piggly Wiggly or Save - A - Lot with an SBA loan?
Which has a lower SBA default rate, Piggly Wiggly or Save - A - Lot?
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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; 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