AniFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A ANI franchise requires a total initial investment of $59K – $145K, including a $25K franchise fee and an ongoing 10.0% royalty[2]. The 2023 FDD does not disclose unit-level revenue (no Item 19). Verdict grade: B. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2023 FDD issuance
Overview
- Investment
- $59K – $145K
- 26th pct Financial Ser…
- Avg gross sales
- N/A
- 30th pct Financial Ser…
- Royalty
- 10.0%
- 9th pct Financial Ser…
- Units
- 15
- 23rd pct Financial Ser…
- SBA default
- N/A
Quick verdict · Financial Services · color = vs category peers
Green = >15% above Financial Services avg · No shading = within ±15% · Red = >15% below avg · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Bottom line
- Total investment $59K – $145K including a $25K franchise fee, 10.0% ongoing royalty.
- No Item 19 financial performance data disclosed. The franchisor chose not to publish revenue figures.
- Verdict B (Above Average) with a risk score of 58/100.
- No Item 19 financial performance representation. Without franchisor-disclosed revenue data, you'll need to gather unit economics directly from existing franchisees.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- All Nevada Insurance, Inc.
- CEO title
- President
- Edmund Williams
- CEO experience
- 1 yr
- Years in role or industry
- Founder active
- Yes
- Original founder still leading the business
- Incorporated in
- NV
- HQ
- 9440 W. Sahara Avenue, Suite 210, Las Vegas, NV 89117
- Auditor
- Ellsworth • Stout CPAs and Consultants
- Audited financials
- Franchisor revenue
- $3.3M
- vs $3.8M prior year
- Management churn noted
- Frequent turnover
- Item 2 disclosed frequent executive changes
Overview
About
ANI franchisees operate as independent agents generating revenue through commissions—likely in insurance, real estate, or financial services. Day-to-day work involves client acquisition, relationship management, transaction processing, and commission tracking, with 10-20% of gross commissions flowing to corporate as royalties.
- CEO
- Edmund Williams
- Headquarters
- NV
- Founded
- 2002
- FDD year
- 2023
- States available
- 2
FDD Item 7 · 2023 filing · 16 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Feenot refundable | $25K | $25K | |
| Office Furniture | $0 | $8K | |
| Furnishings and Fixtures | $500 | $2K | |
| Communications and Computer Equipment and Software | $0 | $7K | |
| Banking Equipment | $0 | $800 | |
| Utility and Internet Service Deposits | $600 | $1K | |
| Signage | $4K | $8K | |
| Grand Opening Advertising and Marketing Materials | $0 | $4K | |
| Email and Social Media Platforms | $0 | $500 | |
| Training | $0 | $4K | |
| Real Estate (first 6 months) | $6K | $30K | |
| Real Estate Deposit and Improvements | $5K | $20K | |
| Professional Fees | $0 | $4K | |
| Business Licenses | $100 | $2K | |
| Insurance | $0 | $1K | |
| Additional Funds (First 6 Months) | $18K | $30K | |
| Total initial investment | $59K | $145K |
Line items extracted from FDD Item 7. Ranges reflect the franchisor's stated low and high per line. Total is the sum of line-item lows / highs — actual costs may fall outside this range depending on market and build-out scope.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $59K – $145K
- Better than avg vs category
- Liquid capital req'd
- $18K – $30K
- Near category avg vs category
- Franchise fee
- $25K – $25K
- Better than avg vs category
- Royalty
- 10.0%
- percentage · typical 6–8%
- Ad fund
- -n/d
- Total fee load
- 10.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 10.0% of gross sales |
| Transfer fee | $5K |
| Total fee load | 10.0% of rev |
Financial Performance
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
vs Financial Services averages
How Ani Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 15
- Opened
- 2
- Last reporting year
- Closed
- 1
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 6.7%
- Company-owned
- 1
- Corporate units in the system
- % franchised
- 93%
- vs corporate-owned
- Multi-unit owners
- 50.0%
- Net growth (yr3)
- +7.7%
- Net unit change last year
- 3-yr CAGR
- +40.0%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 1
- Projected new
- 5
- Franchisor's next-year forecast
- Transfer rate
- 6.7%
- Owners selling to other franchisees
- Ceased ops
- 6.7%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 5 states with active franchisees
The Territory Map
Derived from franchisee contact records. Shows states with at least one current operator. Not where the franchisor is registered to sell new units (that data is re-extracting in a future refresh).
States derived from franchisee contact records (FDD Item 20). Shows states with at least one current operator on file. Full state registration data (Item 12) will appear on a future FDD refresh.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA loan disclosures. This brand has only 1 7(a) loan on file; statistical reliability is limited below 10 loans.
- Total loans
- 1
- Loan volume
- N/A
- Amount data pending
- Median loan
- N/A
- Charge-off rate
- N/A
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- N/A
- 5-yr charge-off
- N/A
- Loans approved 2021+
- Active lenders
- 0
- Defaults
- 0
Explore lender portfolios on Bank Reports or regional data on State Reports.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
ANI presents elevated risk due to lack of financial transparency, stalled growth trajectory, escalating royalties, and corporate going concern issues that undermine long-term viability.
Litigation (Item 3)
No litigation is required to be disclosed in this Item.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Ellsworth • Stout CPAs and Consultants
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Score breakdown · what drove the 58 / 100 rating
- 01MINORNo average revenue or net income disclosure (Item 19) — impossible to validate investment ROI claims
- 02HIGHGoing Concern status is FALSE, suggesting potential financial instability at corporate level
- 03MINORMinimal unit growth (7.7% YoY) with only 15 total franchises — system appears stalled
- 04MINOREscalating royalty structure (10% → 15% → 20%) heavily penalizes long-term franchisees and creates cash flow pressure
- 05MEDZero territory protection in commission-based model increases direct competition between franchisees
- 06MINORSmall franchise fee ($25,000) relative to total investment suggests thin corporate margins and support resources
- 07MEDCommission-based revenue model is highly volatile and dependent on macroeconomic conditions
Severity inferred from the FDD text · not a regulatory classification
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 5 years |
|---|---|
| Renewal term | 5 years |
| Protected territory | No |
| Exclusive territoryℹ | No |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Not allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | Yes |
| RoFR response window | 30 days |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Arbitration location | Las Vegas, Nevada |
| Jury trial waiver | Yes |
| Governing law | Nevada |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation is required to be disclosed in this Item.
Items 10, 11
Training & Operations
- Classroom training
- 80 hrs
- On-the-job training
- 200 hrs
- Training location
- Off-site and on-site
- Ongoing training
- Required
- Time to open
- 3 mo
- From signing to launch
- POS system
- Rating System and Management System (EZ Lynx)
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Rating System and Management System (EZ Lynx)
Item 20 · call current owners
Franchisee Contacts
8 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
ANI · FDD (2023) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a ANI franchise?
The total investment to open a ANI franchise ranges from $59K – $145K, with an initial franchise fee of $25K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do ANI franchise owners earn?
ANI does not disclose average franchise owner earnings in their FDD Item 19. Not all franchisors are required to make financial performance representations. We recommend asking existing franchisees directly about their financial experience.
What is ANI's franchise failure rate?
SBA 7(a) loan charge-off data is not available for ANI (fewer than 10 loans on file). Charge-off rates are one way to gauge franchise risk, but not all franchise loans go through the SBA program. We recommend reviewing turnover and closure data in the FDD and speaking with current franchisees.
How many ANI franchise locations are there?
As of their most recent FDD filing, ANI has 15 total units in the United States, including 10 franchised units and 1 company-owned units. 2 new units were opened in the latest reporting year.
Is ANI a good franchise to buy?
FranchiseVerdict rates ANI as a B-grade franchise with a risk score of 58 out of 100, based on our analysis of investment costs, revenue data, SBA loan performance, and growth trends. Our rating is based solely on publicly available FDD and government data; we recommend speaking with current franchisees before making any investment decision. This is not investment advice.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
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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.