Super Valu Supermarket vs Mobil
Super Valu Supermarket vs Mobil: Super Valu Supermarket costs $72K to $1.0M to open; Mobil costs $136K to $2.0M. Super Valu Supermarket has 20 units, Mobil has 22. SBA loan history: Super Valu Supermarket = 21 loans (4.8% default); Mobil = 25 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.
Super Valu Supermarket vs Mobil: 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
Super Valu Supermarket requires the lower minimum capital commitment ($72K vs $136K for Mobil), a 47% spread.
System Scale & Tenure
On scale, Mobil operates 22 units to Super Valu Supermarket's 20.
SBA Lending Profile
Mobil has the deeper SBA lending track record, with 25 7(a) approvals compared with 21 for Super Valu Supermarket. Super Valu Supermarket's peak SBA year was 1992 (6 loans); Mobil's peak was 2019 (7 loans). Mobil's more recent peak generally indicates fresher lender appetite. Super Valu Supermarket has the most SBA funded units in MN, with 7. Mobil leads in WI, 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 Super Valu Supermarket deals is $409K vs $1.1M for Mobil, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 4.8% for Super Valu Supermarket and 0.0% for Mobil, Mobil has the cleaner SBA loss record by 4.8 points. PeerSense FPI scores come in at 44 (Fair) for Super Valu Supermarket and 51 (Moderate) for Mobil, giving Mobil the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 44/100 | 51/100 |
Health Tier | Fair | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 21 | 25 |
SBA Volume | – | – |
Default Rate | 4.8% | 0.0% |
Peer Tier | growing | established |
Investment & Costs
Total Investment | $72K to $1.0M | $136K to $2.0M |
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 | 20 | 22 |
Franchised Units | 20 | 22 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1926 | N/A |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | WINTHROP, MN | APPLETON, WI |
Category | Supermarkets | Supermarkets |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Super Valu Supermarket or Mobil?
Lower upfront capital required
Tie
Super Valu Supermarket: $72K starting · Mobil: $136K starting
More SBA lender confidence
Mobil
Super Valu Supermarket: 21 SBA loans · Mobil: 25 SBA loans
Lower SBA default rate
Mobil
Super Valu Supermarket: 4.8% · Mobil: 0.0%
Larger system & brand presence
Tie
Super Valu Supermarket: 20 units · Mobil: 22 units
More lender financing options
Super Valu Supermarket
Super Valu Supermarket: 19 unique lenders · Mobil: 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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About These Franchises
Super Valu Supermarket vs Mobil: Franchise Funding Comparison
Comparing Super Valu Supermarket and Mobil is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $72K to $2.0M.
Super Valu Supermarket has 21 SBA loans on record and Mobil has 25. 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.
Super Valu Supermarket vs Mobil, Frequently Asked Questions
Which is a better franchise investment, Super Valu Supermarket or Mobil?
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Which has a lower SBA default rate, Super Valu Supermarket or Mobil?
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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
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