Skip to main content
Prime Rate:6.75%Fed Funds:3.64%5-Yr Treasury:3.88%10-Yr Treasury:4.25%30-Yr Treasury:4.83%30-Yr Mortgage:6.22%·Updated Mar 19, 2026Prime Rate:6.75%Fed Funds:3.64%5-Yr Treasury:3.88%10-Yr Treasury:4.25%30-Yr Treasury:4.83%30-Yr Mortgage:6.22%·Updated Mar 19, 2026
Rates
Coastal Service Centers

Coastal Service Centers

5 locations

The total investment to open a Coastal Service Centers franchise ranges from $263,000 - $365,000. Coastal Service Centers currently operates 5 locations (5 franchised). The top SBA 7(a) lenders for Coastal Service Centers are Newtek Small Business Finance, Inc., East West Bank and Houston-Galveston Area Local D. PeerSense FPI health score: 54/100.

Investment

$263,000 - $365,000

Total Units

5

5 franchised

FPI Score
Medium
54

Proprietary PeerSense metric

Moderate
Capital Partners
4lenders available

Active capital sources verified for Coastal Service Centers financing

SBA

7(a) Eligible

21d

Avg Funding

P+2.25%

Best Rate

No retainers · Referral fee at closing

FPI Score Breakdown

Emerging (3-9 loans)

Medium Confidence
54out of 100
Moderate

SBA Lending Performance

SBA Default Rate

0.0%

0 of 5 loans charged off

SBA Loans

5

Total Volume

$1.6M

Active Lenders

4

States

3

Top SBA Lenders for Coastal Service Centers

What is the Coastal Service Centers franchise?

The question facing any serious franchise investor evaluating the gasoline station and convenience store segment is not whether Americans will continue driving and fueling their vehicles — they will — but rather which franchise model offers the most defensible unit economics, the most credible brand infrastructure, and the most realistic path to a return on invested capital. Coastal Service Centers enters that conversation as a New Jersey-based franchise concept operating within one of the most resilient and highest-transaction-frequency retail categories in the American economy: the gasoline station with integrated convenience store. With 5 franchised units currently operating across its network — and zero company-owned locations, meaning every operational unit is franchisee-owned — the brand represents a compact, regionally focused opportunity in a category that generated approximately $705 billion in total U.S. retail sales in 2023 according to the National Association of Convenience Stores. The gasoline and convenience channel accounts for more than 150,000 retail outlets across the United States, processes roughly 160 million customer transactions per day, and has demonstrated consistent demand resilience across multiple economic cycles including recessions, inflation spikes, and fuel price volatility. Coastal Service Centers positions itself within this enormous and fragmented category as a franchisable service center concept rooted in the New Jersey market, a state with among the highest population density in the country and persistent fuel demand from a commuter-heavy residential base. This analysis is produced independently by PeerSense editorial analysts and contains no compensated content from Coastal Service Centers or any affiliated party — every data point below is drawn from verified public records, franchise disclosure documents, and industry research benchmarks.

The U.S. convenience store and gasoline station industry is one of the most structurally durable franchise categories in existence, and the tailwinds supporting investment in this space extend well beyond simple fuel sales. The convenience store industry alone — excluding fuel revenue — generated approximately $323 billion in in-store sales in 2023, with the National Association of Convenience Stores reporting that the average store serves roughly 1,100 customers per day. Fuel remains the primary traffic driver, accounting for approximately 60 percent of total c-store revenue on a blended basis, but the inside-the-store economics have become increasingly important: tobacco, packaged beverages, fresh food, and prepared food now represent the fastest-growing margin contributors at the unit level. The number of U.S. convenience stores has grown to more than 152,396 locations as of the most recent NACS State of the Industry data, with the total industry employing over 2.37 million people nationwide. Critically for franchise investors, the category exhibits a transaction frequency advantage that most franchise sectors cannot match — consumers fuel their vehicles multiple times per week, creating habitual visit patterns and loyalty dynamics that are structurally superior to infrequent-purchase service categories. The market is highly fragmented at the independent operator level, with major petroleum brands controlling substantial distribution but leaving significant franchise opportunity for well-structured regional and national franchise systems. Demographic tailwinds are additive: Americans are holding vehicles longer — the average age of a vehicle on U.S. roads reached a record 12.6 years in 2024 according to S&P Global Mobility — which means gasoline and maintenance demand is sustained by an aging fleet that requires more frequent service touch points. Electric vehicle penetration, while growing, represented only approximately 8 percent of new vehicle sales in 2023, meaning the internal combustion engine customer base will remain the dominant consumer at gasoline stations for at least the next decade, giving investors in this segment a long and visible runway.

The Coastal Service Centers franchise investment range runs from $263,000 on the low end to $365,000 on the high end, representing a total investment band of $102,000, which reflects the inherent variability in format configuration, site condition, existing equipment age, local permitting costs, and geographic positioning across the New Jersey market and surrounding regions. At a midpoint investment of approximately $314,000, this concept sits in the accessible-to-mid-tier range of franchise capital requirements — well below the $500,000 to $1.5 million typically required to enter a branded petroleum convenience franchise through the largest national operators, and significantly below the $750,000 to $2 million commonly associated with full-scale fuel station conversions in high-density Northeast markets. The gasoline and c-store category typically sees franchise fees in the range of $15,000 to $50,000 for independent franchise systems, though petroleum brand licensing fees and fuel supply agreements can add substantial additional cost in larger networks. For the Coastal Service Centers franchise specifically, investors should conduct detailed working capital analysis against the published investment range, as fuel inventory carrying costs, state environmental compliance requirements, underground storage tank insurance, and point-of-sale system infrastructure can each represent meaningful capital line items in a gasoline station business model. New Jersey carries some of the most complex regulatory environments for fuel retail in the country, including specific underground storage tank regulations administered by the New Jersey Department of Environmental Protection, which franchisees must factor into total cost of ownership modeling. The absence of company-owned units in the Coastal Service Centers system means the franchisor has structured this entirely as a franchisee-operated model, which has capital allocation implications for prospective investors evaluating corporate support depth. SBA financing is broadly available to qualified franchise investors in the c-store and gasoline station category, and veterans exploring this segment should investigate whether Coastal Service Centers participates in any SBA-approved registry programs that could unlock more favorable loan terms through the SBA's 7(a) lending framework.

Daily operations at a gasoline station with integrated convenience store franchise require engagement with two fundamentally different retail disciplines simultaneously: the high-volume, thin-margin fuel dispensing business and the lower-volume, higher-margin convenience retail and prepared food business. The staffing model at a typical convenience store in the United States averages between 10 and 14 employees per location on a full-time-equivalent basis according to NACS workforce data, though smaller-footprint service center concepts with a stronger maintenance service orientation may run leaner teams depending on service mix. Coastal Service Centers, as its name suggests, incorporates a service center component into its operating model — meaning franchisees are potentially managing fuel retail, convenience merchandise, and automotive service operations within a single integrated facility, a multi-line business model that demands either strong operational experience from the owner-operator or a well-trained management team capable of executing across these distinct service categories. Training infrastructure for franchise systems of this size typically includes both classroom-based instruction covering point-of-sale systems, fuel inventory management, environmental compliance protocols, and customer service standards, alongside on-site hands-on training at an operating location. Territory structure in compact geographic markets like New Jersey is a critical due diligence item — with only 5 units in the current system, territory exclusivity provisions in the franchise agreement deserve careful legal review before any commitment is made. Multi-unit development is a natural pathway for franchisees seeking to scale in densely populated metro markets where incremental locations can be added within a manageable geographic radius, though the modest total unit count of the current Coastal Service Centers system suggests that the brand is in an early expansion phase where franchisee feedback is still actively shaping the operational playbook. Prospective franchisees should specifically inquire about field support frequency, technology platform infrastructure, supply chain or fuel supply agreements, and marketing program structure during their validation calls with existing operators.

Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document for the Coastal Service Centers franchise, which means prospective investors cannot rely on franchisor-published unit-level revenue or earnings figures when building their investment thesis. This absence of financial disclosure is common among franchise systems with small unit counts — the FTC's franchise disclosure rules do not require Item 19 disclosure, and many early-stage or regionally focused systems choose not to publish performance data until they have a statistically meaningful sample size across diverse markets. That said, industry benchmarks provide a useful framework for calibrating return expectations in this category. According to NACS State of the Industry data, the average U.S. convenience store generates approximately $1.8 million in annual inside-store sales, with total site revenues — including fuel — averaging approximately $5.9 million when fuel volume is incorporated. Gross profit margins on in-store merchandise average approximately 31 percent in the convenience channel, while fuel margin is considerably thinner, typically ranging from 15 to 25 cents per gallon at the retail level depending on supply agreement structure and local competitive intensity. For a service center concept that incorporates automotive services alongside fuel and convenience retail, additional labor and parts revenue streams can contribute meaningfully to overall unit profitability — automotive service margins in independent service center operations typically range from 45 to 60 percent on labor and 35 to 50 percent on parts, representing structurally superior margin profiles compared to fuel alone. Investors in the Coastal Service Centers franchise opportunity should commission independent financial modeling using NACS benchmarks, validate assumptions through direct operator interviews with existing franchisees, and engage a franchise attorney and CPA with specific c-store sector experience before making any capital commitment. The total investment range of $263,000 to $365,000 implies that achieving payback within a reasonable 3-to-5-year horizon would require demonstrating consistent unit-level cash generation, which makes third-party validation of revenue and margin assumptions essential due diligence.

With 5 franchised units currently in operation and a franchise model built entirely on franchisee ownership — the Coastal Service Centers system carries zero company-operated locations — the brand is objectively in the early scaling phase of its franchise development trajectory. For context, the convenience store and gasoline station franchise category includes national operators with thousands of locations, regional chains in the hundreds, and emerging franchise concepts like Coastal Service Centers that are building toward critical mass in defined geographic territories. The competitive moat for a regional gasoline and service center franchise concept rests on several structural factors: established customer relationships with local commuter populations, fuel supply agreements that can deliver cost-competitive pricing, co-branded petroleum arrangements that leverage national fuel brand recognition while maintaining local franchise ownership, and the physical barrier to entry represented by the capital and regulatory complexity of opening a new gasoline station from scratch in a high-density state like New Jersey. New Jersey's regulatory environment for fuel retail — including strict environmental oversight of underground storage tanks and specific site certification requirements — actually creates a meaningful barrier for new independent entrants, which can benefit existing franchise operators who have already navigated the compliance landscape. The service center component of the Coastal Service Centers model creates cross-selling opportunities that pure fuel-and-convenience concepts lack, as vehicle owners who trust a location for automotive maintenance are more likely to return consistently for fuel and in-store purchases. Digital transformation in the c-store sector is accelerating, with mobile payment integration, loyalty app platforms, and fuel price management software becoming standard competitive infrastructure — franchise investors should verify what technology investments are embedded in the Coastal Service Centers support model.

The ideal Coastal Service Centers franchise candidate is likely a hands-on operator with prior experience in retail management, automotive services, or fuel distribution — or an entrepreneur with strong general business management credentials and a willingness to engage directly in multi-line operations management during the ramp-up phase. The geographic concentration in New Jersey, one of the most densely populated states in the country with approximately 9.3 million residents and a population density exceeding 1,200 people per square mile, creates favorable unit economics conditions for high-transaction-frequency retail formats. Commuter-heavy suburban markets, highway corridors, and densely settled residential townships in Central and Northern New Jersey represent the highest-potential territory profile for a gasoline and service center franchise operating in this region. With 5 units already franchised across the system, prospective new franchisees should conduct thorough market mapping to identify open territory adjacent to existing locations, and should specifically ask corporate development representatives about the geographic boundaries included in their franchise agreement and whether multi-unit development agreements are structured into the franchise offering. The timeline from franchise agreement execution to operational opening in the gasoline station category varies substantially based on whether the site requires new construction, conversion of an existing station, or equipment rehabilitation — a range that explains much of the spread between the $263,000 low-end and $365,000 high-end investment figures. Transfer and resale provisions in the franchise agreement are particularly important in this category, as gasoline station real estate assets can appreciate meaningfully in high-density markets, making the equity capture story at resale a legitimate component of the total return analysis.

The investment thesis for the Coastal Service Centers franchise opportunity ultimately rests on the convergence of several durable macro forces: the structural resilience of gasoline demand through at least the mid-2030s given current fleet composition data, the high transaction frequency and customer habituation dynamics of the convenience store category, the barrier-to-entry advantages conferred by New Jersey's complex regulatory environment for fuel retail, and the integrated service center model that creates multiple revenue streams within a single franchise footprint. The PeerSense FPI Score for Coastal Service Centers is 54, indicating a Moderate performance and risk profile — a rating that reflects the brand's small unit count, limited financial disclosure, and early-stage franchise development context rather than any negative signal about the underlying business model or category dynamics. PeerSense provides exclusive due diligence data for franchise investors evaluating this opportunity, including SBA lending history, the FPI score methodology and component breakdown, location maps with Google ratings from existing units, FDD financial data analysis, and side-by-side comparison tools that allow investors to benchmark Coastal Service Centers against competing concepts in the gasoline and convenience store franchise category. With an initial investment range of $263,000 to $365,000, a franchisee-only operational model, and positioning in one of the highest-demand consumer transaction categories in the American economy, this opportunity warrants structured due diligence by investors with the operational profile, geographic focus, and capital base to execute effectively in the New Jersey fuel retail market. Explore the complete Coastal Service Centers franchise profile on PeerSense to access the full suite of independent franchise intelligence data.

FPI Score

54/100

SBA Default Rate

0.0%

Active Lenders

4

Key Highlights

Low SBA default rate (0.0%)

Data Insights

Key performance metrics for Coastal Service Centers based on SBA lending data

SBA Default Rate

0.0%

0 of 5 loans charged off

SBA Loan Volume

5 loans

Across 4 lenders

Lender Diversity

4 lenders

Avg 1.3 loans per lender

Investment Tier

Significant investment

$263,000 – $365,000 total

Coastal Service Centers — 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

2004

1 approvals — best year on record for Coastal Service Centers.

Top SBA State

Texas

2 SBA-financed Coastal Service Centers locations — the densest operator footprint.

Average Loan Size

$320K

Median $330K — use as a sizing anchor when modeling your own $Coastal Service Centers unit.

Lender Concentration

80%

Concentrated

Share of Coastal Service Centers approvals captured by the top 3 SBA lenders.

Coastal Service Centers's SBA lending pipeline peaked in 2004 (1 approvals). Operator density is highest in Texas with 2 SBA-financed locations. Average funded ticket sits at $320K, with the median at $330K. Lender mix is concentrated: the top three SBA lenders account for 80% of approvals — credit decisions concentrate with a small group of incumbents.

Payment Estimator

Loan Amount$210K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$2,723

Principal & Interest only

Locations

Coastal Service Centersunit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

Explore Funding for Coastal Service Centers

Our business financing consultants help connect you with the right lending partners. No retainers — referral fee paid at closing.

One more step: check the consent box above and type your full legal name as signature to enable submission.

No retainers · Referral fee at closing

Or get an instant analysis

Scan Your Deal Instantly
Coastal Service Centers