Circle K Convenience Store & M
The total investment to open a Circle K Convenience Store & M franchise ranges from $503,460 to $4.2M. The initial franchise fee is $40,000. Ongoing royalties are 6% plus a 2% advertising fee.
What is the Circle K Convenience Store & M franchise?
The Circle K Convenience Store & M franchise is a gas station with a convenience store, selling fuel and everyday goods to drivers and other customers. The estimated total initial investment is $503,460 to $4,196,400, and the initial franchise fee is $40,000.
The royalty is 6 percent of sales, and the advertising or brand fund fee is 2 percent. The franchise agreement term is 10 years.
The franchise is headquartered in Castaic, CA. Cost and fee figures are from the 2025 Franchise Disclosure Document.
Loan Activity Score
70/100
SBA Default Rate
0.0%
Active Lenders
16
According to its Franchise Disclosure Document or public business records, Circle K Convenience Store & M has 17 locations, all owned by franchisees. Public SBA loan records show 16 lenders made 18 loans to franchisees of Circle K Convenience Store & M. PeerSense calculates Circle K Convenience Store & M's score as 70 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2025 Franchise Disclosure Document. To correct a figure, email the current FDD and the differing item numbers to info@peersense.com, and this page will be updated.
17 locations
$503,460 to $4.2M
$40,000
17
17 franchised
Proprietary PeerSense metric
StrongDistinct lenders in public SBA records for Circle K Convenience Store & M
18
Total SBA loans
$2.4M
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Circle K Convenience Store & M
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
0.0%
vs 13.6% peer avg
SBA Loans
18
Total Volume
$42.4M
Active Lenders
16
1 selective
States
7
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 Circle K Convenience Store & M based on SBA lending data
SBA Default Rate
0.0%
13.6% below peer avg
SBA Loan Volume
18 loans
Across 16 lenders
Lender Diversity
16 lenders
Avg 1.1 loans per lender
Investment Tier
Premium investment
$503,460 to $4,196,400 total
Circle K Convenience Store & M: 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
2026
4 approvals. The best year on record for Circle K Convenience Store & M.
Top SBA State
California
9 SBA financed Circle K Convenience Store & M locations, the densest operator footprint.
Average Loan Size
$2.4M
Median $2.5M. Use as a sizing anchor when modeling your own Circle K Convenience Store & M unit.
Lender Concentration
27.8%
Moderately Spread
Share of Circle K Convenience Store & M approvals captured by the top 3 SBA lenders.
Circle K Convenience Store & M's SBA lending pipeline peaked in 2026 (4 approvals). The last five fiscal years account for 94% of cumulative volume ($41M approved). Operator density is highest in California with 9 SBA financed locations. Average funded ticket sits at $2.4M, with the median at $2.5M. Lender mix is moderately spread: the top three SBA lenders account for 27.8% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$5,212
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
Circle K Convenience Store & M, unit breakdown
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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