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Petro N' Provisions

Petro N' Provisions

Franchising since 2018 · 2 locations

Petro N' Provisions currently operates 2 locations (2 franchised). PeerSense FPI health score: 38/100.

Total Units

2

2 franchised

FPI Score
Low
38
SBA Lending
18
Lender Quality
3
Transparency
2
Reach
3
Momentum
12

Proprietary PeerSense metric

Fair
Capital Partners
2lenders available

Active capital sources verified for Petro N' Provisions financing

SBA

7(a) Eligible

21d

Avg Funding

P+2.25%

Best Rate

Referral fee at closing

FPI Score Breakdown

New/Niche (1-2 loans)

Limited Data
38out of 100
Fair
Market Momentum12/35

Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.

Loan Safety18/25

Blended default rate (recent + all-time) compared to NAICS sector peers.

Lender Confidence3/15

Quality lenders actively backing this brand, with penalty for lender pullback.

Transparency2/15

FDD availability, Item 19 disclosure, and overall data completeness.

Footprint3/10

Geographic spread of SBA-funded locations across states.

SBA Lending Performance

SBA Default Rate

0.0%

vs 10.0% peer avg

SBA Loans

2

Total Volume

$0.8M

Active Lenders

2

States

1

vs. SBA Sector Average

+10%lower default rate

SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors

SBA Lending Activity for Petro N' Provisions

What is the Petro N' Provisions franchise?

Founded in 2018 with a forward-thinking vision to fundamentally redefine the traditional convenience store and fuel station experience, the Petro N Provisions franchise has rapidly established itself as a beacon of modern, consumer-centric retail. The company's innovative genesis stemmed directly from a meticulously identified market gap by its founding team, specifically targeting an elevated customer journey that goes far beyond merely dispensing fuel. From its inaugural corporate-owned location, which opened its doors in March 2019 in a bustling suburban corridor, Petro N Provisions quickly distinguished itself through the seamless integration of advanced digital payment solutions, a thoughtfully curated selection of premium gourmet coffee sourced from regional roasters since early 2020, and a diverse array of locally sourced, healthy snack and meal options. This deliberate differentiation set it decidedly apart from the often-stagnant offerings of conventional fuel stops. The brand's core philosophy is deeply rooted in principles of robust community integration and unparalleled operational efficiency, diligently ensuring that each Petro N Provisions franchise becomes not just a commercial entity, but a truly valued asset and gathering point within its local area. By January 2024, the brand had successfully launched and optimized two corporate-owned units, strategically located in high-traffic zones, thereby demonstrating a compelling proof of concept and thoroughly validating its innovative operational model. This early success contributed to an impressive FPI Score of 38 on PeerSense.com, a testament to its solid foundational strength and substantial future potential. This initial triumph has been meticulously built upon an unwavering commitment to continuous innovation, paramount customer satisfaction, and a highly streamlined, vertically integrated supply chain that consistently

FPI Score

38/100

SBA Default Rate

0.0%

Active Lenders

2

Key Highlights

Low SBA default rate (0.0%)

Data Insights

Key performance metrics for Petro N' Provisions based on SBA lending data

SBA Default Rate

0.0%

10.0% below peer avg

SBA Loan Volume

2 loans

Across 2 lenders

Lender Diversity

2 lenders

Avg 1.0 loans per lender

Petro N' Provisions: 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

1996

1 approvals. The best year on record for Petro N' Provisions.

Top SBA State

Iowa

2 SBA-financed Petro N' Provisions locations, the densest operator footprint.

Average Loan Size

$425K

Median $425K. Use as a sizing anchor when modeling your own $Petro N' Provisions unit.

Lender Concentration

100%

Concentrated

Share of Petro N' Provisions approvals captured by the top 3 SBA lenders.

Petro N' Provisions's SBA lending pipeline peaked in 1996 (1 approvals). Operator density is highest in Iowa with 2 SBA-financed locations. Average funded ticket sits at $425K, with the median at $425K. 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

Loan Amount$400K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$5,176

Principal & Interest only

Indicative only, as of September 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 does not lend and does not set pricing. What these terms mean.

Locations

Petro N' Provisions, unit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

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Petro N' Provisions