Circle K (convenience store agreement) franchise research

Investment by format

Format-specific estimates only. Do not combine one format's minimum with another format's maximum.

Investment sourceFDD p.31 ↗

Franchise fees and ongoing costs

Franchise fee

$25,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review.

Royalty

3.5% · Greater of (a) 3.5% of Gross Sales (excl. motor fuel) plus $0.0075 per gallon of Motor Fuel Sales, or (b) $1,500 per Accounting Period (28- or 35-day) per franchised business; Conversion Program participants pay only $0.0075/gallon for first 25 Accounting Periods

Marketing contribution

0.25% (basis not captured; see original filing)

Technology fee

POS and back-office system support/maintenance $600-$1,000 per Accounting Period; software license fee currently $0 per Accounting Period (may be charged on 60 days' notice, not expected above $1,000)

Other fees

Local/regional promotional fee up to 1.25% and national promotional fee up to 0.25% of Gross Sales (on Gross Sales up to $125,000); debit/credit card fees (Visa/MasterCard $0.12 + 1.80%, debit/all others $0.10 + 3.25%); optional program fees 5%-75% of program revenue

Working capital (FDD Item 7)

Additional Funds (3 months): $10,000-$20,000

Fees sourceFDD p.21 ↗

Working capital is drawn from Item 7. The Investment source below locates the investment section, not an independently verified working-capital scalar.

Investment sourceFDD p.31 ↗

Franchise fee sourceFDD · page not captured ↗

Financial performance: Item 19

Item 19 captured

Yes

Metric / basis

Unaudited Merchandise/Gross Sales (excl. fuel) with quartile breakdowns, plus motor fuel volume, sales by store size, and franchisee supplier rebates; separate tables for company stores and franchised stores

Reporting period

52 weeks ended 4/26/2026 (rebates: 12 months ended 4/30/2026)

Sample

54 franchised Circle K Businesses open the full year (of 72; 18 that opened during the year excluded); also 4,481 company-operated stores

Reported average

$1,711,148

Reported median

$1,490,066

Owner income is not captured. Gross sales and EBITDA are not owner pay. Results depend on the disclosed metric, sample and period; consult the full filing.

Item 19 performance sourceFDD p.66 ↗

Unit growth: Item 20

Reporting year

2026

Scope

franchised outlets

Starting outlets

54

Year-end outlets

72

Net change

+18

Derivation

ending minus starting outlets

Openings

18

Terminations

0

Non-renewals

0

Other closures

0

Reacquisitions

0

Transfers

0

Transfers are not closures. Net change is ending minus starting outlets for the stated scope and year, or complete openings less terminations, non-renewals, other closures and reacquisitions. Missing inputs stay unknown.

Unit growth sourceFDD p.71 ↗

SBA loan history

Loan activity

19 approvals

Activity window

FY2021-FY2026 YTD; snapshot 2026-06-30

Median SBA loan

$835,000

Median loan window

FY2023-FY2026 YTD through 2026-06-30

Median loan sample

7 loans

Historical charge-off share

0.00%

Cohort

7(a) FY2010-2019 approvals

Numerator / denominator

0 / 46

Formula

CHGOFF / (PIF + CHGOFF + EXEMPT) × 100

This is a historical loan-level share, not a franchise failure probability or location survival rate. Loan size is not total investment. Other loan statuses are excluded from the seasoned denominator. Activity combines 7(a) and 504 approvals, excluding canceled and not-funded records; this is not a rolling five-year count. FY2024-25 franchise tags are sparse after directory suspension; fewer tagged loans do not establish brand decline. Recent charge-off cohorts are immature.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median loan amounts are financing context, not startup cost. The median window is separate from the seasoned charge-off cohort.

Median SBA loan sourceSBA data · Jun 30, 2026 ↗

Questions before you invest

How much does Circle K (convenience store agreement) franchise cost?

new or rebuilt Circle K Business: $3,098,500 to $9,430,500; conversion of existing store/fuel station: $953,500 to $3,680,500 These are format-specific estimates, not a guaranteed cash requirement. Franchise fee: $25,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review..

Investment sourceFDD p.31 ↗

Franchise fee sourceFDD · page not captured ↗

How much do Circle K (convenience store agreement) owners make?

Owner income is not captured. Gross sales and EBITDA are not owner pay. Item 19 metric: Unaudited Merchandise/Gross Sales (excl. fuel) with quartile breakdowns, plus motor fuel volume, sales by store size, and franchisee supplier rebates; separate tables for company stores and franchised stores. Sample: 54 franchised Circle K Businesses open the full year (of 72; 18 that opened during the year excluded); also 4,481 company-operated stores. Period: 52 weeks ended 4/26/2026 (rebates: 12 months ended 4/30/2026).

Item 19 performance sourceFDD p.66 ↗

What's the SBA charge-off rate for Circle K (convenience store agreement)?

0.00%; numerator / denominator: 0 / 46. Historical 7(a) FY2010-2019 approvals; CHGOFF / (PIF + CHGOFF + EXEMPT) × 100, snapshot 2026-06-30. This is not a franchise failure probability. Median SBA loan: $835,000; window: FY2023-FY2026 YTD through 2026-06-30; sample: 7 loans. Median financing is not total investment.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median SBA loan sourceSBA data · Jun 30, 2026 ↗