True North Energy, LLC - Retai
The total investment to open a True North Energy, LLC - Retai franchise ranges from $281,500 to $2.6M. The initial franchise fee is $49,500. Ongoing royalties are 7% plus a 1% advertising fee.
What is the True North Energy, LLC - Retai franchise?
The True North Energy, LLC Retai franchise is a gas station with a convenience store. The estimated total initial investment is $281,500 to $2,570,450, according to the 2025 Franchise Disclosure Document.
The company was founded in 1999 and is headquartered in Youngstown, Ohio.
Loan Activity Score
65/100
SBA Default Rate
0.0%
Active Lenders
9
According to its Franchise Disclosure Document or public business records, True North Energy, LLC - Retai has 10 locations, all owned by franchisees. Public SBA loan records show 9 lenders made 12 loans to franchisees of True North Energy, LLC - Retai. PeerSense calculates True North Energy, LLC - Retai's score as 65 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2025 Franchise Disclosure Document. To correct a figure, email the current FDD and the differing item numbers to info@peersense.com, and this page will be updated.
Franchising since 1999 · 10 locations
$281,500 to $2.6M
$49,500
10
10 franchised
Proprietary PeerSense metric
StrongDistinct lenders in public SBA records for True North Energy, LLC - Retai
12
Total SBA loans
$1.1M
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for True North Energy, LLC - Retai
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
0.0%
vs 13.6% peer avg
SBA Loans
12
Total Volume
$13.6M
Active Lenders
9
States
4
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 True North Energy, LLC - Retai based on SBA lending data
SBA Default Rate
0.0%
13.6% below peer avg
SBA Loan Volume
12 loans
Across 9 lenders
Lender Diversity
9 lenders
Avg 1.3 loans per lender
Investment Tier
Premium investment
$281,500 to $2,570,450 total
True North Energy, LLC - Retai: 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
2022
4 approvals. The best year on record for True North Energy, LLC - Retai.
Top SBA State
Ohio
9 SBA financed True North Energy, LLC - Retai locations, the densest operator footprint.
Average Loan Size
$1.1M
Median $1.1M. Use as a sizing anchor when modeling your own True North Energy, LLC - Retai unit.
Lender Concentration
50%
Concentrated
Share of True North Energy, LLC - Retai approvals captured by the top 3 SBA lenders.
True North Energy, LLC - Retai's SBA lending pipeline peaked in 2022 (4 approvals). The last five fiscal years account for 67% of cumulative volume ($10M approved). Operator density is highest in Ohio with 9 SBA financed locations. Average funded ticket sits at $1.1M, with the median at $1.1M. Lender mix is concentrated: the top three SBA lenders account for 50% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$2,914
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
True North Energy, LLC - Retai, unit breakdown
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Page Review
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