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Pinch-A-Penny

Pinch-A-Penny

Franchising since 1975 · 33 locations

The total investment to open a Pinch-A-Penny franchise ranges from $48,500 - $735,000. The initial franchise fee is $33,500. Ongoing royalties are 6% plus a 4% advertising fee. Pinch-A-Penny currently operates 33 locations (33 franchised). The top SBA 7(a) lenders for Pinch-A-Penny are Bank of America, Wells Fargo Bank and Synovus Bank. PeerSense FPI health score: 32/100.

Investment

$48,500 - $735,000

Franchise Fee

$33,500

Total Units

33

33 franchised

FPI Score
High
32

Proprietary PeerSense metric

Limited
Capital Partners
17lenders available

Active capital sources verified for Pinch-A-Penny financing

SBA

7(a) Eligible

21d

Avg Funding

P+2.25%

Best Rate

No retainers · Referral fee at closing

FPI Score Breakdown

Established (25-99 loans)

High Confidence
32out of 100
Limited

SBA Lending Performance

SBA Default Rate

9.1%

4 of 44 loans charged off

SBA Loans

44

Total Volume

$14.6M

Active Lenders

17

States

2

Top SBA Lenders for Pinch-A-Penny

What is the Pinch-A-Penny franchise?

The Pinchapenny brand, headquartered in Pompano Beach, Florida, represents a unique proposition within the highly diverse retail landscape, specifically categorized under 'All Other Miscellaneous Store Retailers (except Tobacco Stores)'. This broad classification itself speaks to the specialized nature and varied offerings that businesses within this segment can encompass, often catering to niche markets or providing an eclectic mix of goods and services that do not fit neatly into conventional retail categories. Established as a presence in the retail sector, the brand has steadily built its operational footprint to encompass a total of 26 units, indicating a measured yet discernible expansion since its inception. This current unit count suggests a brand that has moved beyond its nascent stages, developing a foundational network of locations that serve specific communities. The strategic location of its headquarters in Pompano Beach, Florida, also hints at a potential regional strength or a specific market focus that has been cultivated over time. The development of a brand to 26 units requires significant effort in establishing operational consistency, refining the business model, and attracting dedicated franchisees capable of replicating the core offering. The FPI Score, a critical metric for evaluating franchise systems, stands at 32 for the Pinchapenny franchise. This score provides an objective, data-driven insight into various aspects of the franchise opportunity, typically encompassing franchisee satisfaction, growth potential, financial strength, and overall brand appeal. An FPI Score of 32, while not at the highest echelons, signifies a quantifiable assessment of the brand's standing within the franchising community, offering a benchmark against which prospective investors can compare other opportunities. It reflects a brand that

FPI Score

32/100

SBA Default Rate

9.1%

Active Lenders

17

Key Highlights

Low SBA default rate (9.1%)

Data Insights

Key performance metrics for Pinch-A-Penny based on SBA lending data

SBA Default Rate

9.1%

4 of 44 loans charged off

SBA Loan Volume

44 loans

Across 17 lenders

Lender Diversity

17 lenders

Avg 2.6 loans per lender

Investment Tier

Significant investment

$48,500 – $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 — 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

Loan Amount$39K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$502

Principal & Interest only

Locations

Pinch-A-Pennyunit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

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