J.D. Street& Company (Distribu
Franchising since 1884 · 2 locations
J.D. Street& Company (Distribu currently operates 2 locations (2 franchised). The top SBA 7(a) lenders for J.D. Street& Company (Distribu are Byline Bank and Millennium Bank. PeerSense FPI health score: 47/100.
2
2 franchised
Proprietary PeerSense metric
FairActive capital sources verified for J.D. Street& Company (Distribu financing
SBA
7(a) Eligible
21d
Avg Funding
P+2.25%
Best Rate
No retainers · Referral fee at closing
FPI Score Breakdown
New/Niche (1-2 loans)
SBA Lending Performance
SBA Default Rate
0.0%
0 of 2 loans charged off
SBA Loans
2
Total Volume
$1.8M
Active Lenders
2
States
1
Top SBA Lenders for J.D. Street& Company (Distribu
What is the J.D. Street& Company (Distribu franchise?
The question every serious franchise investor asks before committing capital is deceptively simple: is this the right brand, in the right industry, at the right moment? For anyone researching the Jd Street Company Distribu franchise opportunity, that question requires unpacking two distinct but intertwined business histories — the legacy of J.D. Streett & Company, Inc., a Midwest petroleum and convenience store distributor founded in 1884, and the broader digital-era franchise landscape reshaping how fuel and convenience retail operates at scale. J.D. Streett & Company, Inc. is a privately-held, family-operated enterprise headquartered in Maryland Heights, Missouri, with roots stretching back over 140 years to when it operated under the name Baker Petroleum, Inc. The company strategically reintroduced its ZX gas brand in 2007, targeting the underserved segment of smaller, locally owned convenience store operators who lacked the brand infrastructure and supply chain reliability of major petroleum chains. Since that reintroduction, the ZX brand has grown to over 50 dealer locations across the Midwest, predominantly clustered in the greater St. Louis area where the company maintains two terminaling facilities accessible by highway, river, rail, and pipeline, plus two oil and antifreeze manufacturing facilities. The Jd Street Company Distribu franchise footprint, as captured in current franchise disclosure data, reflects 2 total units — both franchised, with zero company-owned locations — which signals a dealer-first operational philosophy where independent ownership is the core model rather than an exception. The gasoline stations with convenience stores category represents a total addressable market worth hundreds of billions of dollars annually in the United States alone, making even a regionally concentrated brand like this one a meaningful participant in one of the country's most essential retail verticals. This analysis is produced independently by PeerSense franchise research analysts — it is not a marketing document, and it does not represent the brand's own promotional claims.
The gasoline stations with convenience stores industry is one of the most structurally resilient segments in American retail, combining two of the highest-frequency consumer transactions — fuel purchases and grab-and-go convenience purchases — into a single physical location. The U.S. convenience store industry serves approximately 165 million customers per day, generating over $860 billion in total annual sales across roughly 150,000 locations nationwide, according to National Association of Convenience Stores data. Fuel remains the primary traffic driver, accounting for roughly 80% of revenue at fuel-selling convenience stores, while inside-store merchandise and foodservice are where margin is increasingly built, with in-store sales hovering around $277 billion annually and climbing. The secular tailwind behind this category is powerful: despite the gradual electrification of passenger vehicles, the transition timeline extends decades, and the roughly 290 million registered internal combustion vehicles currently operating in the United States continue to generate daily demand for petroleum products. Meanwhile, the convenience store segment is experiencing a foodservice evolution, with prepared food and beverages now representing the fastest-growing inside-store category, commanding margins that can reach 35 to 45 percent compared to single-digit margins on packaged goods. The competitive landscape in fuel distribution is moderately consolidated at the branded tier — major petroleum companies have long-established dealer networks — but the independent and regional tier, where operators like J.D. Streett and the ZX brand compete, remains highly fragmented, creating real opportunity for regionally focused distributors with reliable supply infrastructure to capture locally owned stores that cannot access major-brand programs. Franchise investment in this category attracts operators who value essential-service resilience: convenience stores remained open and operational throughout the COVID-19 pandemic as designated essential businesses, a data point that materially reduces the perceived risk profile of this category compared to discretionary retail.
The Jd Street Company Distribu franchise investment structure reflects a dealer-model approach rather than a traditional franchise fee architecture, and prospective investors should understand this distinction before beginning due diligence. J.D. Streett & Company operates a "Become a ZX Dealer" program that emphasizes the company's supply chain advantages — specifically, its ability to guarantee fuel delivery regardless of market shortages, a significant operational benefit given the supply disruptions that have periodically affected independent fuel retailers. The ZX brand guarantees its fuels meet and exceed U.S. Government specifications across gasoline, diesel, bio-fuels, and ethanol-based E-85, which provides a compliance foundation that independent operators would otherwise need to manage themselves. While the specific initial investment figures, franchise fees, royalty rates, and advertising fund contributions associated with the Jd Street Company Distribu franchise are not publicly detailed in available materials, the broader gasoline stations with convenience stores franchise category typically involves total investment ranges that can span from several hundred thousand dollars for a conversion of an existing fuel retail location to several million dollars for a ground-up build with full convenience store infrastructure. Industry benchmarks for fuel retail franchise programs suggest initial franchise fees in this category typically range from $10,000 to $50,000 depending on brand tier, with ongoing royalties or brand fees structured as cents-per-gallon rather than percentage-of-revenue in many petroleum dealer programs — a structure that directly aligns brand and dealer incentives around volume throughput. The company's two St. Louis area terminaling facilities and dual manufacturing operations suggest a vertically integrated supply model that could reduce some input cost variability for ZX dealers compared to dealers relying entirely on spot market fuel purchases. For investors evaluating the Jd Street Company Distribu franchise cost relative to the broader category, the regional concentration of operations and the dealer-model structure suggest this may represent a more accessible entry point than national petroleum franchise brands, though prospective investors should obtain the current Franchise Disclosure Document and consult franchise legal counsel before drawing investment conclusions.
Daily operations for a Jd Street Company Distribu franchise dealer center on the core activities of fuel retail and convenience store management, a labor-intensive model that typically requires staffing across extended hours — most convenience stores with fuel operate 18 to 24 hours daily to maximize traffic capture. The operational backbone of this model includes fuel inventory management, point-of-sale transaction processing, merchandise procurement and stocking, compliance with state and federal environmental regulations governing underground storage tanks, and foodservice operations if the location includes a prepared food program. J.D. Streett & Company emphasizes decades of expertise as a support pillar for ZX dealers, specifically citing the company's ability to respond to dealer inquiries and maintain fuel supply continuity as core support functions — a meaningful differentiator given that supply disruptions at a fuel retail location can immediately halt all revenue generation. The company's infrastructure advantages are structural: with two terminaling facilities accessible by four transportation modalities — highway, river, rail, and pipeline — ZX dealers benefit from a supply chain redundancy that smaller regional distributors without this infrastructure cannot replicate. The employee review data available for J.D. Streett as an employer on workforce platforms shows a management culture score of 3.0 out of 5.0, a work-life balance score of 3.2 out of 5.0, and a culture score of 3.3 out of 5.0, which while reflective of employee rather than franchisee experience, provides indirect signal about the operational culture investors would be entering. Territory structure details for ZX dealers are not publicly specified, but the Midwest concentration of the 50-plus location network and the company's St. Louis-area infrastructure hub suggest geographic density in Missouri and surrounding states is the current operational footprint, which carries both concentration risk and supply chain efficiency advantages for dealers in that radius.
Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document for the Jd Street Company Distribu franchise, which means prospective investors will need to conduct independent financial modeling and direct outreach to existing ZX dealers to build unit-level revenue and profitability estimates. This lack of financial disclosure is not uncommon in fuel dealer programs — the Federal Trade Commission's Franchise Rule does not require franchisors to provide financial performance representations, and many petroleum brand dealer programs choose not to publish Item 19 data given the high variability in dealer volume driven by location, traffic count, and competitive environment. What public data does reveal is the category-level benchmarks: the average U.S. convenience store with fuel generates approximately $5.8 million in annual total sales, though this figure is heavily skewed by high-volume urban and highway locations; the median inside-store revenue figure for fuel convenience locations is closer to $1.2 to $1.8 million annually. Gross fuel margins for independent and regional brand dealers have historically ranged from 8 to 18 cents per gallon depending on market conditions, competitive density, and supply contract structure — with a moderate-volume location turning 80,000 to 120,000 gallons per month, annual gross fuel margin contribution could range from approximately $77,000 to $259,000 before operating costs. The Jd Street Company Distribu franchise's PeerSense FPI Score of 47 — rated Fair — reflects the current state of available performance and disclosure data, and investors should treat this score as an invitation to conduct deeper due diligence rather than a definitive performance verdict. Comparable analysis of JD.com's convenience store franchise model in China, where franchise operators were projected to generate over 8,000 yuan per month in salary from store operations, suggests that convenience store franchise economics at the unit level can be viable for owner-operators even in lean market structures, though the China model involved institutional financial support through Jingdong Finance loans for undercapitalized franchisees — a support mechanism worth asking J.D. Streett directly about for the ZX program.
The Jd Street Company Distribu franchise growth trajectory, as measured by the publicly reported unit count of 2 franchised locations in current disclosure data against the broader ZX brand network of 50-plus dealer locations, suggests the formal franchise program is in early or selective deployment relative to the company's full operational footprint. J.D. Streett & Company's 140-year operating history provides a stability baseline that many younger franchise brands cannot offer — surviving multiple petroleum market cycles, two World Wars, the rise and fall of leaded gasoline, and the shift to reformulated fuels demonstrates organizational adaptability. The reintroduction of the ZX brand in 2007 was itself a strategic pivot, repositioning the company from pure petroleum distribution toward branded retail identity at the dealer level, and the subsequent growth to 50-plus locations over roughly 17 years represents a measured, supply-chain-capacitated expansion strategy rather than rapid franchise growth for its own sake. The competitive moat for this brand rests on three structural advantages: the vertically integrated supply infrastructure with four facilities across terminaling and manufacturing, the multi-modal logistics network that provides supply continuity when competitors face shortages, and the family company longevity that translates into long-term dealer relationship stability — a factor that matters significantly in a business where multi-year fuel supply agreements are standard. The broader industry context is also relevant here: JD.com's ambitious convenience store franchise initiative, which targeted opening approximately 1,000 stores per day in China with a five-year goal of one million locations, illustrates the global investor appetite for convenience store franchise models at scale — and while J.D. Streett operates on an entirely different scale and geography, the macro validation of the convenience-fuel-retail franchise model as an investable category is consistent across both markets. Technology investment, supply chain transparency, and the integration of digital payment and loyalty systems are the next-generation competitive battlegrounds in this category, and investors should probe J.D. Streett's current and planned technology capabilities during due diligence conversations.
The ideal candidate for a Jd Street Company Distribu franchise dealer opportunity is most likely an experienced operator with existing familiarity in fuel retail, convenience store management, or consumer goods distribution — the operational complexity of managing underground storage tank compliance, fuel inventory, multi-shift staffing, and in-store merchandising simultaneously rewards industry veterans over first-time retail entrepreneurs. The ZX dealer model's emphasis on locally owned and operated stores suggests the company actively seeks owner-operators rather than passive investors or large multi-unit holding companies, which aligns with the family-company culture J.D. Streett projects externally. Geographic positioning in the Midwest — specifically within a reasonable logistics radius of the St. Louis terminaling facilities — is a practical prerequisite for supply chain efficiency, meaning investors in Missouri, Illinois, Kansas, Iowa, and surrounding states represent the primary addressable audience for this opportunity. Prospective dealers should have sufficient capitalization to fund a fuel retail location build-out or conversion, meet environmental compliance requirements for fuel storage infrastructure, and sustain operations through the ramp period before fuel throughput reaches steady-state volume — the capital requirements for fuel retail are meaningful even in a dealer model that may not carry a traditional franchise fee. Franchise agreement term lengths, renewal structures, and transfer provisions are not publicly detailed for this program, which makes direct engagement with J.D. Streett's dealer development team an essential early step for any investor conducting serious due diligence.
The investment thesis for the Jd Street Company Distribu franchise opportunity is grounded in a category with proven essential-service resilience, a 140-year-old operating company with vertically integrated supply infrastructure, and a dealer-model structure built for locally owned convenience and fuel retail. The U.S. gasoline stations with convenience stores market processes over 860 billion dollars in annual sales, serves 165 million customers daily, and has demonstrated recession resistance and pandemic resilience that few retail categories can match. The current PeerSense FPI Score of 47 (Fair) reflects the limited financial disclosure in the current FDD and the early-stage franchise unit count, not necessarily the underlying business quality of the ZX dealer network, which independently operates over 50 locations across the Midwest. Investors who are drawn to regionally concentrated, supply-chain-advantaged fuel retail brands with deep operating histories should treat the Jd Street Company Distribu franchise as a serious due diligence candidate, with the explicit understanding that independent financial modeling, direct dealer interviews, and legal review of the FDD are essential steps before any capital commitment. PeerSense provides exclusive due diligence data including SBA lending history, FPI score, location maps with Google ratings, FDD financial data, and side-by-side comparison tools to help franchise investors evaluate this opportunity against every relevant competitor in the gasoline stations with convenience stores category. Explore the complete Jd Street Company Distribu franchise profile on PeerSense to access the full suite of independent franchise intelligence data.
FPI Score
47/100
SBA Default Rate
0.0%
Active Lenders
2
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for J.D. Street& Company (Distribu based on SBA lending data
SBA Default Rate
0.0%
0 of 2 loans charged off
SBA Loan Volume
2 loans
Across 2 lenders
Lender Diversity
2 lenders
Avg 1.0 loans per lender
J.D. Street& Company (Distribu — 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
2025
1 approvals — best year on record for J.D. Street& Company (Distribu.
Top SBA State
Illinois
2 SBA-financed J.D. Street& Company (Distribu locations — the densest operator footprint.
Average Loan Size
$876K
Median $876K — use as a sizing anchor when modeling your own $J.D. Street& Company (Distribu unit.
Lender Concentration
100%
Concentrated
Share of J.D. Street& Company (Distribu approvals captured by the top 3 SBA lenders.
J.D. Street& Company (Distribu's SBA lending pipeline peaked in 2025 (1 approvals). The last five fiscal years account for 50% of cumulative volume ($1.4M approved). Operator density is highest in Illinois with 2 SBA-financed locations. Average funded ticket sits at $876K, with the median at $876K. Lender mix is concentrated: the top three SBA lenders account for 100% of approvals — credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$5,176
Principal & Interest only
Locations
J.D. Street& Company (Distribu — unit breakdown
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