Matco Tools
The total investment to open a Matco Tools franchise ranges from $108,079 to $382,766. The initial franchise fee is $10,000.
What is the Matco Tools franchise?
Matco Tools sells tools to automotive repair professionals. The estimated total initial investment is $108,079 to $382,766. The initial franchise fee is $10,000.
Franchisees need $40,000 in liquid capital. The headquarters is in Stow, OH.
Matco Tools was founded in 1979 and began franchising in 1993.
Loan Activity Score
24/100
SBA Default Rate
32.5%
Active Lenders
92
According to its Franchise Disclosure Document or public business records, Matco Tools has 439 locations, all owned by franchisees. Public SBA loan records show 92 lenders made 676 loans to franchisees of Matco Tools. PeerSense calculates Matco Tools's score as 24 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1979 · 439 locations
$108,079 to $382,766
$10,000
439
439 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Matco Tools
676
Total SBA loans
$78K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Matco Tools
Loan Activity Score Breakdown
Major Brand (100+ 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
32.5%
vs 10.8% peer avg
SBA Loans
676
Total Volume
$52.7M
Active Lenders
92
13 selective
States
48
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 Matco Tools based on SBA lending data
SBA Default Rate
32.5%
21.7% above peer avg
SBA Loan Volume
676 loans
Across 92 lenders
Lender Diversity
92 lenders
Avg 7.3 loans per lender
Investment Tier
Mid range investment
$108,079 to $382,766 total
Matco Tools: 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
2002
99 approvals. The best year on record for Matco Tools.
Top SBA State
Texas
70 SBA financed Matco Tools locations, the densest operator footprint.
Average Loan Size
$78K
Median $58K. Use as a sizing anchor when modeling your own Matco Tools unit.
Lender Concentration
55.2%
Concentrated
Share of Matco Tools approvals captured by the top 3 SBA lenders.
Matco Tools's SBA lending pipeline peaked in 2002 (99 approvals). Operator density is highest in Texas with 70 SBA financed locations. Average funded ticket sits at $78K, with the median at $58K. Lender mix is concentrated: the top three SBA lenders account for 55.2% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,119
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
Matco Tools, 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
Last reviewed LinkedIn profileAbout Edward Freeman