True Value Hardware Franchise Cost, Revenue & Review 2026
Analysis by FranchiseVerdict Research · Methodology
SBA Loan Data Only
This franchise has SBA 7(a) lending history but no Franchise Disclosure Document (FDD) on file. Investment costs, revenue, fees, and contract terms are not available. The Verdict score is based solely on SBA loan performance data.
FranchiseVerdict summary · 2026
A True Value Hardware franchise has no franchise disclosure document on file, so investment figures are not available. SBA 7(a) loans show a 16.1% charge-off rate across 219 loans[1]. Run a live ROI scan →
Sources, dates and evidence
Evidence: thin✗ Investment (Item 7)✗ Item 19 status✗ Units and owners (Item 20)✓ SBA loan coverage✗ Litigation (Item 3)✗ Financial statements (Item 21)✗ Franchisor identityhow this is scored
Overview
- SBA loans
- 219
- Loan volume
- $79.2M
- Charge-off rate
- 16.1%
- system-wide median varies by category
- Avg loan
- $361K
- Lenders
- 115
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 219
- Loan volume
- $79.2M
- Median loan
- $254K
- 50th percentile
- Charge-off rate
- 16.1%
- on 219 loans · rates vary by category · see methodology
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- 83.9%
- 5-yr charge-off
- N/A
- Loans approved 2021+
- Active lenders
- 115
- Defaults
- 34
- Typical loan rate
- 5.9%
- avg rate to borrowers
- vs industry
- N/A
- NAICS 4441
- Jobs supported
- 1,384
- 1.8 per loan
- Lender concentration
- 8%
- top lender's share
Borrower mix: 50% went to startups / new businesses, 50% to established operators
Vintage analysis
True Value Hardware charge-off rate by loan vintage
Top lenders financing True Value Hardware franchisees
Showing 3 of 115 lenders. The full breakdown — every lender, state distribution, interest rates & risk ratings — is in the SBA Lending Report below.
Explore lender portfolios on Bank Reports or regional data on State Reports.
Lender network · 7(a) + 504
SBA Lending Report
Full lending analysis for True Value Hardware from SBA 7(a) FOIA data.
- Principal loss rate
- 9.8%
- Avg SBA guarantee
- 75%
- Avg interest rate
- 5.86%
- Avg chargeoff amount
- $229K
- Lender concentration
- 7.8%
- Job velocity
- 1.8 per $100K
- Jobs supported
- 1,384
Top SBA lendersTop lender holds 8% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | 17 | N/A | N/A | |
| 2 | 12 | N/A | N/A | |
| 3 | 9 | N/A | N/A | |
| 4 | 9 | N/A | N/A | |
| 5 | 8 | N/A | N/A |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| ILIllinois | 19 | 4 | 21.1% |
| CACalifornia | 14 | 2 | 14.3% |
| MOMissouri | 13 | 2 | 16.7% |
| PAPennsylvania | 11 | 2 | 20.0% |
| MNMinnesota | 10 | 3 | 30.0% |
| COColorado | 8 | 0 | 0.0% |
| CTConnecticut | 8 | 0 | 0.0% |
| IAIowa | 8 | 4 | 50.0% |
| INIndiana | 8 | 0 | 0.0% |
| MIMichigan | 8 | 0 | 0.0% |
SBA 7(a) lending trend
Borrower profile
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
What could kill this investment?
SBA loans here charge off near the 16.0% national average.
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating · based on SBA data
Risk & Legal
What are you signing up for?
Source: FDD · Items 11, 12, 17
Frequently asked questions
Frequently Asked Questions
What do True Value Hardware franchise owners earn?
No average owner earnings figure for True Value Hardware is on file. Item 19 — where a franchisor may disclose what its outlets earn — is voluntary under the FTC Franchise Rule, and we have not established what this brand's FDD says. Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
What is Item 19 in the True Value Hardware FDD?
The FDD section where a franchisor may disclose financial performance of its outlets. Disclosure is optional and formats vary; figures are typically gross sales, which is revenue before expenses, not profit. FranchiseVerdict extracts these figures directly from the True Value Hardware FDD and qualifies whose outlets they describe.
What is True Value Hardware's franchise failure rate?
Based on SBA 7(a) loan data, True Value Hardware has a charge-off rate of 16.1% across 219 loans, meaning 16.1% of franchise loans were charged off. Charge-off rates are one proxy for franchise risk, though they do not capture all closures. This data comes from FOIA-sourced SBA lending records.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
For franchisors
Are you the franchisor?
If you represent True Value Hardware, you can request corrections or provide updated information.
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Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.