Super Valu Supermarket
The total investment to open a Super Valu Supermarket franchise ranges from $72,300 to $1.0M.
What is the Super Valu Supermarket franchise?
Investors entering retail grocery face a demanding market, so the choice of franchise model matters. Super Valu Supermarket is headquartered in WINTHROP, MN and has 21 operating units. Of those locations, 19 are franchised and zero are company owned. That structure reflects a business centered on franchise growth and local operation. Public information does not provide a specific founding date, although reaching two dozen units suggests a history built around community service and changing customer needs over several decades. The brand operates in the Supermarkets and Other Grocery (except Convenience) Stores category, which serves recurring household needs and tends to remain active through economic cycles. The United States grocery market was estimated at well over $811 billion in 2022 and is projected to reach $1.2 trillion by 2028, with a compound annual growth rate exceeding 5.5%. Those conditions give Super Valu Supermarket room to serve communities where its local approach fits customer demand. Its 19 franchised locations also show that the concept has attracted multiple independent operators within an essential retail category.
The United States grocery market exceeded $811 billion in 2022 and is forecast to reach $1.2 trillion by 2028. Growth is expected to exceed a 5.5% compound annual growth rate. Population growth supports demand for food and household essentials. Customers are also placing more emphasis on health and wellness, including organic, fresh, and specialty products. Convenience supports demand for ready to eat meals, meal kits, and efficient shopping in stores and online. Inflationary conditions have increased attention to value, competitive pricing, and private label products. These trends support the Supermarkets and Other Grocery (except Convenience) Stores category as a franchise investment area. Grocery stores often continue operating through economic downturns because their products are essential. Competition remains intense among national chains, regional operators, and independent grocers, but a well managed community store can serve a distinct local market. A franchise model can give an operator access to established supply arrangements, brand recognition, and operating procedures that would otherwise need to be developed independently. Those factors are relevant when assessing a Super Valu Supermarket investment.
The total initial investment for a Super Valu Supermarket franchise ranges from $72,300 to $1.03 million. The range reflects differences in store format and size, real estate costs, leasehold improvements or new construction, inventory, equipment, and initial working capital. A smaller location in leased space would be closer to the lower end, while a newly built or extensively renovated full service grocery store could approach or exceed $1 million. Public information does not disclose the specific Super Valu Supermarket franchise fee, royalty fee, or advertising fee. Industry benchmarks provide context, with initial franchise fees for a supermarket franchise of this type typically ranging from $30,000 to $60,000. Ongoing royalty fees in the grocery sector generally range from 1% to 5% of gross sales. Advertising fund contributions often range from 1% to 2% of gross sales. These benchmark figures are not stated Super Valu Supermarket charges. Specific liquid capital and net worth requirements are also not disclosed. An investor considering a project up to $1.03 million should realistically anticipate liquid assets of $100,000 to $250,000 and a minimum net worth of $500,000 to $1 million to support the venture and demonstrate financial stability to lenders. Ownership costs also include daily operations, inventory replenishment, and recurring fees.
Super Valu Supermarket operations must balance local customer needs with consistent store procedures. Daily responsibilities include inventory management to limit waste and maintain appropriate stock, merchandising to support the shopping experience, and point of sale systems for transactions. Staffing depends on the store format. A smaller operation may require managers, cashiers, and stockers, while a larger full service location may employ dozens of people, including department heads for produce, deli, and bakery. The investment range of $72,300 to $1.03 million indicates that the concept may accommodate different formats, from a compact neighborhood market to a larger community supermarket. Specific training details are not available, but a franchisor with 19 franchised units typically provides a multi week training program covering product sourcing, pricing, customer service, food safety, human resources, and local marketing. Ongoing support would likely include preferred vendor access, supply chain logistics, marketing materials and campaigns, point of sale and inventory technology, and operational guidance from field consultants. Territory rules are also significant. Supermarket franchises commonly define exclusive territories by population density or geographic boundaries. The 19 franchised locations may also support multi unit development for operators seeking to expand within a region.
Analysis must instead consider industry benchmarks and the broader Supermarkets and Other Grocery (except Convenience) Stores category. The United States grocery market is projected to reach $1.2 trillion by 2028, with a compound annual growth rate exceeding 5.5%. Prepared foods and produce may produce higher margins, while staple goods generally produce lower margins. Super Valu Supermarket has 21 total units, including 19 franchised locations and zero company owned stores. That footprint indicates a business model that has been used across multiple locations, although it does not replace store specific financial data. The reported Loan Activity Score is 44, categorized as Fair. The score suggests a solid foundation and a consistent, though perhaps not explosive, performance record within the industry.
Super Valu Supermarket does not provide historical unit counts or specific net new unit figures for recent periods in the available information. Its current footprint includes 21 total units, 19 franchised units, and zero company owned units, indicating a pure franchise growth model. That structure places expansion responsibility with local entrepreneurs and may benefit from their community relationships. The continued presence of 19 franchised locations shows that the concept has attracted and supported multiple franchisees over time. The brand’s competitive position may be supported by local market penetration in WINTHROP, MN, its headquarters region, and surrounding areas, where community relationships and customer loyalty may have developed. Store procedures tailored to particular formats and customer groups may help the brand compete with larger general market chains. Regional grocery operators are also likely to consider digital tools such as online ordering, curbside pickup, loyalty programs, and data analysis for inventory and merchandising. These initiatives could help Super Valu Supermarket remain relevant as grocery shopping changes. The essential nature of grocery retail, combined with the franchise structure and possible technology adoption, supports the possibility of measured growth in its target markets.
A prospective Super Valu Supermarket franchisee would generally need an entrepreneurial approach, business management or retail operations experience, and a commitment to serving the local community. Grocery ownership involves direct customer contact, so customer service ability and hands on involvement in daily operations are important. Financial capacity must match the initial investment range of $72,300 to $1.03 million. Candidates should have enough liquid capital and net worth to fund the opening and maintain working capital during the early operating period. The 19 franchised units suggest potential for multi unit development and may indicate that the franchisor values operators capable of managing more than one location. Leadership and operating ability would be relevant for expanding within a defined region. Specific available territories are not publicly detailed, but expansion would typically focus on underserved communities or locations where the Super Valu Supermarket format can compete effectively. The period from signing a franchise agreement to opening generally spans 6 to 12 months. That period can include site selection, lease negotiation, construction or build out, equipment installation, and training. Franchise agreement terms are not specified, though terms for similar arrangements typically range from 10 to 20 years.
Super Valu Supermarket operates in the Supermarkets and Other Grocery (except Convenience) Stores category, supported by recurring demand for food and household goods. The brand has 21 total units, including 19 franchised locations and zero company owned stores, which reflects a locally operated franchise structure. The industry itself is projected to grow from more than $811 billion in the United States in 2022 to $1.2 trillion by 2028, with a compound annual growth rate exceeding 5.5%. The initial investment ranges from $72,300 to $1.03 million, while the reported Loan Activity Score is 44, categorized as Fair. A buyer should weigh the format, market, working capital needs, operating responsibilities, and unavailable unit level financial data before proceeding. PeerSense is a commercial capital advisory firm that introduces franchise buyers to SBA and conventional lenders. PeerSense is not a lender and does not approve or provide loans.
Loan Activity Score
44/100
SBA Default Rate
4.8%
Active Lenders
19
According to its Franchise Disclosure Document or public business records, Super Valu Supermarket has 20 locations, all owned by franchisees. Public SBA loan records show 19 lenders made 21 loans to franchisees of Super Valu Supermarket. PeerSense calculates Super Valu Supermarket's score as 44 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1926 · 20 locations
$72,300 to $1.0M
20
20 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Super Valu Supermarket
21
Total SBA loans
$421K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Super Valu Supermarket
Loan Activity Score Breakdown
Growing (10 to 24 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
4.8%
vs 9.4% peer avg
SBA Loans
21
Total Volume
$8.8M
Active Lenders
19
1 selective
States
9
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 Super Valu Supermarket based on SBA lending data
SBA Default Rate
4.8%
4.6% below peer avg
SBA Loan Volume
21 loans
Across 19 lenders
Lender Diversity
19 lenders
Avg 1.1 loans per lender
Investment Tier
Significant investment
$72,300 to $1,031,000 total
Super Valu Supermarket: 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
1992
6 approvals. The best year on record for Super Valu Supermarket.
Top SBA State
Minnesota
7 SBA financed Super Valu Supermarket locations, the densest operator footprint.
Average Loan Size
$409K
Median $304K. Use as a sizing anchor when modeling your own Super Valu Supermarket unit.
Lender Concentration
22.7%
Moderately Spread
Share of Super Valu Supermarket approvals captured by the top 3 SBA lenders.
Super Valu Supermarket's SBA lending pipeline peaked in 1992 (6 approvals). Operator density is highest in Minnesota with 7 SBA financed locations. Average funded ticket sits at $409K, with the median at $304K. Lender mix is moderately spread: the top three SBA lenders account for 22.7% of approvals. Borrowers have leverage to shop multiple credit boxes.
Payment Estimator
Estimated Monthly Payment
$748
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
Super Valu Supermarket, 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