Bottom line
- Total investment $175K – $300K including a $50K franchise fee, 6.5% ongoing royalty.
- Average unit revenue of $770K/year (median $532K).
- Rated MODERATE with a risk score of 57/100. SBA loan default rate of 0.0% across 4 loans (below the industry average).
Item 1 · who you're contracting with
The Franchisor
Yale framework · single-unit ROIC
Returns Analysis
Pulls Item 7 (investment) and Item 19 (revenue) from this brand's FDD into the Yale unlevered-ROIC formula. Override any input to stress-test it against your own assumptions.
The model · Yale framework
What would one Bumble Roofing unit return on the cash you put in?
Unlevered ROIC · per unit
30%
In Yale's "attractive" band (30–60%)
Levered LBO scenario · Yale Crease Capital framing
What would 25 Bumble Roofing units return on equity?
Equity IRR · 5-yr
49.9%
7.57× MOIC
Year-1 DSCR
1.88×
EBITDA ÷ debt service
Equity required
$693K
on $3.5M purchase
Total debt
$2.8M
SBA $1.7M + senior + seller note
Overview
About
Bumble Roofing franchisees operate residential and/or commercial roofing services within protected territories. Day-to-day activities include managing roofing crews, estimating and bidding projects, coordinating installations, handling customer service, and managing local marketing under the Bumble brand. Franchisees are responsible for labor, materials, permits, and local operations while paying 6.5% of gross revenue to the franchisor.
Item 7 · what it costs
The Vitals
Item 19
Financial Performance
Item 20 · unit dynamics
The Growth Chart
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 17 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 phone area codes (Item 20). Approximate — ported numbers may show the original state, not the franchisee's current location.
Government records
SBA Loan Data
Aggregated from SBA 7(a) loan disclosures, public data unique to FranchiseVerdict.
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Bumble Roofing presents elevated risk due to active fraud litigation, undisclosed profitability metrics, franchisor going concern issues, and lack of transparent financial performance data despite mid-sized investment requirements.
Score breakdown · what drove the 57 / 100 rating
- 01HIGHActive litigation with fraud allegations and franchise law violations filed by former franchisee in October 2025
- 02MEDNet income not disclosed despite $770k average revenue — inability or unwillingness to provide Item 19 financial performance represents major transparency gap
- 03HIGHGoing Concern status is FALSE — indicates potential financial instability at franchisor level despite 21.2% YoY unit growth
- 04MED6.5% royalty on $770k average revenue yields ~$50k annual royalty payment, consuming significant portion of undisclosed net profits
- 05MINORHigh initial investment ($174,998–$300,334) combined with franchise fee ($49,500) totals up to $350k+ with unproven ROI
Severity inferred from the FDD text · not a regulatory classification
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
Item 11
Training & Operations
Item 20
Franchisee Contacts
Phone numbers extracted directly from this brand's FDD Item 20. After purchase, you'll also receive a list of validation questions tailored to this brand.
Franchisee contacts
26 numbers
One-time purchase · CSV download · Validation questions included
FDD download
Bumble Roofing · FDD (2026) PDF