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Uncle Sam Covenient Store

Uncle Sam Covenient Store

3 locations

Uncle Sam Covenient Store currently operates 3 locations (3 franchised). PeerSense FPI health score: 23/100.

Total Units

3

3 franchised

FPI Score
Low
23
SBA Lending
1
Lender Quality
5
Transparency
2
Reach
3
Momentum
12

Proprietary PeerSense metric

Limited
Capital Partners
4lenders available

Active capital sources verified for Uncle Sam Covenient Store financing

SBA

7(a) Eligible

21d

Avg Funding

P+2.25%

Best Rate

Referral fee at closing

FPI Score Breakdown

Emerging (3-9 loans)

Limited Data
23out of 100
Limited
Market Momentum12/35

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

Loan Safety1/25

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

Lender Confidence5/15

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

25.0%

vs 9.4% peer avg

SBA Loans

4

Total Volume

$3.9M

Active Lenders

4

States

1

vs. SBA Sector Average

-15.6%higher default rate

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

SBA Lending Activity for Uncle Sam Covenient Store

What is the Uncle Sam Covenient Store franchise?

The Uncle Sam Covenient Store franchise, headquartered in the vibrant community of Portland, Texas, represents a distinctive and focused opportunity within the perpetually essential Gasoline Stations with Convenience Stores category. Operating with a current footprint of 4 total units, this brand has established a concentrated presence, indicative of a strategic and deliberate approach to market entry and expansion. While the specific genesis year of the brand is not publicly detailed, its current operational status places it as an emerging player, carefully cultivating its brand identity and service model within its foundational market. The company’s headquarters in Portland, TX, serves as the central hub for its operations, guiding the development and standardization of its convenience store and gasoline service offerings. This localized base allows for a deep understanding of regional consumer preferences and operational nuances, which is often a hallmark of successful, community-integrated retail establishments. The convenience store primarily caters to the daily needs of commuters, local residents, and travelers, providing convenient access to fuel, a diverse array of merchandise, and essential services that define the modern convenience retail experience. The core value proposition of any Uncle Sam Covenient Store location lies in its ability to offer swift, accessible, and reliable service, ensuring customers can efficiently procure gasoline, grab refreshments, or pick up indispensable household items in a single, convenient stop. This model capitalizes on the enduring demand for immediate gratification and efficiency in consumer purchasing patterns. The modest number of units, standing at 4, positions the Uncle Sam Covenient Store franchise as a highly focused and potentially hands-on investment, appealing to entrepreneurs who seek to grow with a brand from its relatively early stages. This limited

FPI Score

23/100

SBA Default Rate

25.0%

Active Lenders

4

Key Highlights

Data Insights

Key performance metrics for Uncle Sam Covenient Store based on SBA lending data

SBA Default Rate

25.0%

15.6% above peer avg

SBA Loan Volume

4 loans

Across 4 lenders

Lender Diversity

4 lenders

Avg 1.0 loans per lender

Uncle Sam Covenient Store: 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

1 approvals. The best year on record for Uncle Sam Covenient Store.

Top SBA State

Texas

4 SBA-financed Uncle Sam Covenient Store locations, the densest operator footprint.

Average Loan Size

$970K

Median $1.1M. Use as a sizing anchor when modeling your own $Uncle Sam Covenient Store unit.

Lender Concentration

75%

Concentrated

Share of Uncle Sam Covenient Store approvals captured by the top 3 SBA lenders.

Uncle Sam Covenient Store's SBA lending pipeline peaked in 2002 (1 approvals). Operator density is highest in Texas with 4 SBA-financed locations. Average funded ticket sits at $970K, with the median at $1.1M. Lender mix is concentrated: the top three SBA lenders account for 75% 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 August 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

Uncle Sam Covenient Store, unit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

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Uncle Sam Covenient Store