Champion Auto Store
The total investment to open a Champion Auto Store franchise ranges from $86,000 to $249,300.
What is the Champion Auto Store franchise?
Champion Auto Store is headquartered in Cottage Grove, Minnesota, and operates 18 units. The brand serves the automotive aftermarket by supplying vehicle parts, accessories, and related service to vehicle owners. Demand is supported by the increasing average age of vehicles and the continuing need for maintenance and repairs, including during periods when consumers reduce discretionary spending. PeerSense, an independent franchise research platform, gives Champion Auto Store a Loan Activity Score of 33. The score reflects a third party review of areas such as growth potential, system support, operational efficiency, franchisee satisfaction, and financial viability. Champion Auto Store also emphasizes community involvement and customer trust, with the goal of being a local automotive resource for routine maintenance items and specialized performance parts.
The automotive parts and accessories industry benefits from several long term demand factors. The global automotive aftermarket was valued at over USD 400 billion in 2023 and is projected to grow at a compound annual growth rate of 4% to 5% through 2030. In the United States, the average age of light vehicles reached a record 12.5 years in 2024. Older vehicles generally need maintenance and replacement parts more often. The number of registered vehicles continues to increase, expanding the potential customer base for parts retailers. When economic conditions make a new vehicle less attractive, owners may keep existing vehicles longer, which can support aftermarket demand. Electric vehicles are gradually affecting the traditional internal combustion engine parts market while creating opportunities for specialized EV parts and accessories. Online auto parts sales have grown, but physical stores remain useful when customers need parts immediately, require help identifying a complex component, or want professional advice. This creates room for a store model serving both online oriented customers and customers who prefer in person assistance. The sector also serves do it yourself customers and professional repair shops, both of which require a steady supply of parts.
The total initial investment for a Champion Auto Store franchise ranges from $86,000 to $249,300. That level is moderate compared with many retail and restaurant franchises that can require investments in the high six figures or seven figures. The initial franchise fee for many franchise systems ranges from $20,000 to $50,000 and generally provides the right to use the brand name, trademarks, proprietary systems, and business model. A buyer must also consider leasehold improvements or build out costs, which depend on the condition of the site and local construction rates. Shelving, point of sale systems, diagnostic tools, and other equipment add to the initial outlay. Initial inventory is another major use of capital because a new location needs a broad selection of parts and accessories from its opening. Working capital for the first 6 to 12 months can cover operating expenses, payroll, and unexpected costs while the business works toward consistent positive cash flow. Champion Auto Store does not publicly detail a specific liquid capital requirement. Comparable franchises commonly ask prospective owners to show liquid assets of $50,000 to $100,000 for the early operating period. The investment range may appeal to buyers seeking an automotive retail business without the cost of a larger franchise operation, though a buyer should assess the expected return against actual sales, expenses, and financing terms.
Champion Auto Store uses a business model intended to support consistent operations and customer service across its 18 units. New franchisees typically receive an intensive initial training program covering inventory management, product knowledge for a wide range of parts, customer service practices, point of sale system use, and local marketing. Those figures are general training benchmarks, not financial results for Champion Auto Store. Ongoing support may include site visits, performance monitoring, help with local marketing campaigns, and access to updated product information and industry trends. Supply chain management is central to an automotive parts store. The franchisor likely provides supplier relationships and collective purchasing capability intended to support competitive pricing and timely delivery of inventory. Modern point of sale systems typically require an initial setup cost of $15,000 to $25,000, with monthly software maintenance and update fees of $150 to $300 per unit. Franchise management software may involve franchisor development costs of $25,000 to $75,000 upfront. Franchisees often pay monthly technology fees of $200 to $800 per unit for tools used to manage operations, customer relationships, and sales data. This support structure is intended to leave franchisees focused on daily store management and customer engagement while receiving guidance from the franchisor.
Champion Auto Store royalty rates would likely fall within general industry ranges of 4% to 10% of gross sales, with an average often between 4% and 9%. Franchisees also commonly contribute 1% to 5% of sales to an advertising fund for system wide marketing. The moderate initial investment may support an attractive return if revenue and margins meet industry expectations and the location is managed effectively.
Champion Auto Store currently has 18 units, reflecting measured expansion in the automotive aftermarket. The unit count may indicate a franchisor that is developing its operating foundation and refining its model before pursuing faster growth. The global motorcycle market is projected to reach USD 171.5 billion by 2030, while the wider automotive parts market continues to trend upward. These conditions provide room for Champion Auto Store to increase its footprint. The established brand name and operating consistency across 18 units may help build customer recognition in a market that includes independent shops and large national chains. Shared purchasing power can help individual locations address inventory costs, while shared marketing resources may support pricing and brand visibility. Multi unit development and area development agreements could give experienced franchisees a way to expand within defined territories. More vehicles on the road, combined with a rising average vehicle age, should continue to support demand for parts and accessories. The existing pattern of measured growth may appeal to buyers who prefer a focus on system quality and franchisee support rather than rapid unit growth.
The prospective Champion Auto Store owner should have business management ability and an interest in the automotive industry. Direct automotive repair experience is not necessarily required. Background in retail, sales, or customer service can be useful, along with leadership skills for managing employees and creating a customer focused store. The owner must be able to meet the initial investment range of $86,000 to $249,300 and maintain enough working capital for the business. A buyer should be willing to follow the franchisor’s operating system, use its guidelines, and participate in the local community to build customer relationships. Knowledge of local market conditions and an active approach to marketing and sales are also valued. Territories are typically defined as exclusive or protected areas using demographic information, population density, traffic patterns, and the locations of existing or planned units. A Champion Auto Store territory would likely be designed to provide enough market potential without direct competition from another unit of the same brand. The franchisor conducts site selection research to identify locations with visibility and access for the intended customer base. Ownership requires meaningful involvement in daily operations and should not be viewed as an absentee model. Long term performance depends on consistent work, adaptation to market changes, and reliable customer service.
Champion Auto Store offers an entry into the automotive aftermarket with an initial investment of $86,000 to $249,300 and a market supported by ongoing vehicle maintenance and repair needs. The brand is headquartered in Cottage Grove, Minnesota, and has 18 units. Its established supply relationships and support structure are intended to give franchisees a defined operating framework. PeerSense assigns the franchise a Loan Activity Score of 33 as an independent assessment of its health and potential. The continued need for parts and accessories supports the brand’s relevance as vehicle ownership changes, including the growth of electric vehicles. Buyers should have the business skills, customer service focus, financial capacity, and willingness to participate in operations that the model requires. The full Champion Auto Store franchise profile on PeerSense provides additional independent franchise intelligence.
Loan Activity Score
33/100
SBA Default Rate
18.2%
Active Lenders
14
According to its Franchise Disclosure Document or public business records, Champion Auto Store has 17 locations, all owned by franchisees. Public SBA loan records show 14 lenders made 22 loans to franchisees of Champion Auto Store. PeerSense calculates Champion Auto Store's score as 33 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2020 · 17 locations
$86,000 to $249,300
17
17 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Champion Auto Store
22
Total SBA loans
$167K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Champion Auto Store
Loan Activity Score Breakdown
Growing (10 to 24 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
18.2%
vs 9.4% peer avg
SBA Loans
22
Total Volume
$3.7M
Active Lenders
14
1 selective
States
9
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Champion Auto Store based on SBA lending data
SBA Default Rate
18.2%
8.8% above peer avg
SBA Loan Volume
22 loans
Across 14 lenders
Lender Diversity
14 lenders
Avg 1.6 loans per lender
Investment Tier
Mid range investment
$86,000 to $249,300 total
Champion Auto Store: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
1997
5 approvals. The best year on record for Champion Auto Store.
Top SBA State
Minnesota
7 SBA financed Champion Auto Store locations, the densest operator footprint.
Average Loan Size
$167K
Median $163K. Use as a sizing anchor when modeling your own Champion Auto Store unit.
Lender Concentration
50%
Concentrated
Share of Champion Auto Store approvals captured by the top 3 SBA lenders.
Champion Auto Store's SBA lending pipeline peaked in 1997 (5 approvals). Operator density is highest in Minnesota with 7 SBA financed locations. Average funded ticket sits at $167K, with the median at $163K. Lender mix is concentrated: the top three SBA lenders account for 50% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$890
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Champion Auto Store, unit breakdown
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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
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