Pinch-A-Penny
The total investment to open a Pinch-A-Penny franchise ranges from $48,500 to $735,000. The initial franchise fee is $33,500. Ongoing royalties are 6% plus a 4% advertising fee.
What is the Pinch-A-Penny franchise?
Pinchapenny is headquartered in Pompano Beach, Florida, and operates in the retail category called “All Other Miscellaneous Store Retailers (except Tobacco Stores).” This broad classification covers specialized businesses with varied offerings, including stores that serve niche markets or provide a mix of goods and services that do not fit conventional retail categories.
The brand has 26 units, showing measured expansion since its inception. That unit count places Pinchapenny beyond its early stage and reflects a network of locations serving specific communities. Its headquarters in Pompano Beach may point to regional strength or a market focus developed over time.
Growing to 26 units requires work to establish consistent operations, refine the business model, and attract franchisees who can replicate the brand’s core offering. Those factors provide context for assessing the company’s operating footprint and franchise structure.
Pinchapenny has a Loan Activity Score of 32. The Loan Activity Score is a metric used to assess franchise systems through factors such as franchisee satisfaction, growth potential, financial strength, and overall brand appeal. A score of 32 is not among the highest levels, but it gives prospective investors a measurable view of the brand’s position within the franchising community and a benchmark for comparing other franchise opportunities. It reflects a brand that has established a quantifiable standing in the franchise market.
Loan Activity Score
32/100
SBA Default Rate
9.1%
Active Lenders
17
According to its Franchise Disclosure Document or public business records, Pinch-A-Penny has 33 locations, all owned by franchisees. Public SBA loan records show 17 lenders made 44 loans to franchisees of Pinch-A-Penny. PeerSense calculates Pinch-A-Penny's score as 32 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1975 · 33 locations
$48,500 to $735,000
$33,500
33
33 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Pinch-A-Penny
44
Total SBA loans
$331K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Pinch-A-Penny
Loan Activity Score Breakdown
Established (25 to 99 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
9.1%
vs 7.6% peer avg
SBA Loans
44
Total Volume
$14.6M
Active Lenders
17
5 selective
States
2
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 Pinch-A-Penny based on SBA lending data
SBA Default Rate
9.1%
1.5% above peer avg
SBA Loan Volume
44 loans
Across 17 lenders
Lender Diversity
17 lenders
Avg 2.6 loans per lender
Investment Tier
Significant investment
$48,500 to $735,000 total
Pinch-A-Penny: 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
8 approvals. The best year on record for Pinch-A-Penny.
Top SBA State
Florida
43 SBA financed Pinch-A-Penny locations, the densest operator footprint.
Average Loan Size
$331K
Median $235K. Use as a sizing anchor when modeling your own Pinch-A-Penny unit.
Lender Concentration
36.4%
Moderately Spread
Share of Pinch-A-Penny approvals captured by the top 3 SBA lenders.
Pinch-A-Penny's SBA lending pipeline peaked in 2002 (8 approvals). Operator density is highest in Florida with 43 SBA financed locations. Average funded ticket sits at $331K, with the median at $235K. Lender mix is moderately spread: the top three SBA lenders account for 36.4% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$502
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
Pinch-A-Penny, 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; 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