Pinch-A-Penny vs Purified Water To Go
Pinch-A-Penny vs Purified Water To Go: Pinch-A-Penny costs $49K to $735K to open; Purified Water To Go costs $32K to $116K. Pinch-A-Penny has 33 units, Purified Water To Go has 11. SBA loan history: Pinch-A-Penny = 44 loans (9.1% default); Purified Water To Go = 15 loans (26.7% 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.
Pinch-A-Penny vs Purified Water To Go: 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
Purified Water To Go requires the lower minimum capital commitment ($32K vs $49K for Pinch-A-Penny), a 53% spread. Initial franchise fees come in at $34K for Pinch-A-Penny versus $44K for Purified Water To Go, Pinch-A-Penny has the lower entry fee.
System Scale & Tenure
On scale, Pinch-A-Penny operates 33 units to Purified Water To Go's 11, roughly 3× the system size. Pinch-A-Penny has been operating 51 years (founded 1975) versus 34 for Purified Water To Go (founded 1992), a 17-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Pinch-A-Penny has the deeper SBA lending track record, with 44 7(a) approvals compared with 15 for Purified Water To Go. Pinch-A-Penny's peak SBA year was 2002 (8 loans); Purified Water To Go's peak was 2002 (4 loans). Purified Water To Go's more recent peak generally indicates fresher lender appetite. Pinch-A-Penny has the most SBA funded units in FL, with 43. Purified Water To Go leads in TX, with 4. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Pinch-A-Penny deals is $331K vs $79K for Purified Water To Go, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 9.1% for Pinch-A-Penny and 26.7% for Purified Water To Go, Pinch-A-Penny has the cleaner SBA loss record by 17.6 points. PeerSense FPI scores come in at 32 (Fair) for Pinch-A-Penny and 19 (Fair) for Purified Water To Go, giving Pinch-A-Penny the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 32/100 | 19/100 |
Health Tier | Limited | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 44 | 15 |
SBA Volume | – | – |
Default Rate | 9.1% | 26.7% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $49K to $735K | $32K to $116K |
Franchise Fee | $34K | $44K |
Royalty Rate | 6% | N/A |
Ad Fund | 4% | 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 | 33 | 11 |
Franchised Units | 33 | 11 |
Company Owned | – | – |
Term Length | 5 yrs | N/A |
Brand Information
Year Founded | 1975 | 1992 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | POMPANO BEACH, FL | CHESTERFIELD, MI |
Category | All Other Miscellaneous Store Retailers | All Other Miscellaneous Store Retailers |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Pinch-A-Penny or Purified Water To Go?
Lower upfront capital required
Tie
Pinch-A-Penny: $49K starting · Purified Water To Go: $32K starting
More SBA lender confidence
Pinch-A-Penny
Pinch-A-Penny: 44 SBA loans · Purified Water To Go: 15 SBA loans
Lower SBA default rate
Pinch-A-Penny
Pinch-A-Penny: 9.1% · Purified Water To Go: 26.7%
Larger system & brand presence
Tie
Pinch-A-Penny: 33 units · Purified Water To Go: 11 units
More lender financing options
Pinch-A-Penny
Pinch-A-Penny: 17 unique lenders · Purified Water To Go: 11 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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Pinch-A-Penny vs Purified Water To Go: Franchise Funding Comparison
Comparing Pinch-A-Penny and Purified Water To Go is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $32K to $735K.
Pinch-A-Penny has 44 SBA loans on record and Purified Water To Go has 15. 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.
Pinch-A-Penny vs Purified Water To Go, Frequently Asked Questions
Which is a better franchise investment, Pinch-A-Penny or Purified Water To Go?
How much does a Pinch-A-Penny franchise cost compared to Purified Water To Go?
Can I finance Pinch-A-Penny or Purified Water To Go with an SBA loan?
Which has a lower SBA default rate, Pinch-A-Penny or Purified Water To Go?
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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