Co/LAB Lending Franchise Cost, Revenue & Review 2026
Data from FDD filing
Analysis by FranchiseVerdict Research · Methodology
Co/LAB Lending is a mortgage brokerage franchise helping buyers and homeowners with home loans and refinancing. Franchisees run local brokerages, originating loans and managing client relationships.
FranchiseVerdict summary · 2026
A Co/LAB Lending franchise requires a total initial investment of $55K – $114K, including a $30K franchise fee and an ongoing 6.0% royalty[2]. The 2024 FDD does not disclose unit-level revenue (no Item 19). FranchiseVerdict grade: D (Below average), an editorial assessment, not investment advice. Run a live ROI scan →
Data last verified · figures per the 2024 FDD issuance
Overview
- Investment
- $55K – $114K
- 36th pct Real Estate
- Avg gross sales
- N/A
- 1 outlet
- Royalty
- 6.0%
- 21st pct Real Estate
- Units
- 1
- 0th pct Real Estate
- SBA charge-off
- N/A
Quick verdict · Real Estate · color = vs category peers
Green = favorable by >10% vs Real Estate avg · No shading = within ±10% · Red = unfavorable by >10% · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Bottom line
- COSTTotal investment $55K – $114K including a $30K franchise fee, 6.0% ongoing royalty.
- RETURNSExhibit F contains an unaudited opening balance sheet for Marsh and Munar Team, LLC dated 12/01/2024; statements are expressly prepared without an audit (no CPA opinion). Franchisor has not been in business three years, so no income statement is provided. Total assets $9,900 (all cash), total liabilities $9,900 (due to affiliates), member's equity $0.
- RISKVerdict D (Below average), verdict score 35/100 (higher is better).
- DATANo 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
Corporate structure & franchisor financials
- Legal entity
- Marsh and Munar Team, LLC
- CEO title
- CEO
- Megan Marsh
- Incorporated in
- PA
- HQ
- 8795 Peach Street, Erie, PA 16509
- Auditor
- NAPER CPA GROUP
- Audited financials
Affiliated brands
- does
Other brands the franchisor or its parent operates (Item 1).
Overview
About
- CEO
- Megan Marsh
- Headquarters
- PA
- Founded
- 2019
- FDD year
- 2024
- States available
- 1
Can you afford it, and what does the money buy?
Entry cost runs 60% below the typical real estate franchise.
Source: FDD 2024 · Items 5–7
FDD Item 7 · 2024 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $30K | $30K |
| Working capital (3–6 mo) | $10K | $25K |
| Equipment, build-out, other | $15K | $59K |
| Total initial investment | $55K | $114K |
Source: Co/LAB Lending 2024 FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $55K – $114K
- Top 40% of category vs category
- Liquid capital req'd
- $10K – $25K
- Middle of category vs category
- Franchise fee
- $30K – $30K
- Middle of category vs category
- Royalty
- 6.0%
- percentage · typical 6–8%
- Ad fund
- 1.0%
- typical 3–5%
- Total fee load
- 7.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 6.0% of gross sales |
| Marketing / ad fund | 1.0% of gross sales |
| Technology fee | $79 |
| Transfer fee | $10K |
| Total fee load | 7.0% of rev |
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
Co/LAB Lending did not disclose financial performance in FDD Item 19. The ROIC and return models require Item 19 revenue. Without it all inputs are estimates. You can still run the calculator with your own assumptions by entering an expected revenue figure.
Returns model · single-unit ROIC
What would one Co/LAB Lending unit return on the cash you put in?
Unlevered ROIC · per unit
Estimated return on your total franchise investment, before any debt financing.
118%
Above the 30–60% band. Verify revenue is per-unit average
These models are for research and scenario planning only. Not investment advice. Actual results depend on your specific location, management, and market conditions. Consult a franchise attorney and accountant before signing any franchise agreement.
Item 19 · Source: 2024 FDD
Financial Performance
Exhibit F contains an unaudited opening balance sheet for Marsh and Munar Team, LLC dated 12/01/2024; statements are expressly prepared without an audit (no CPA opinion). Franchisor has not been in business three years, so no income statement is provided. Total assets $9,900 (all cash), total liabilities $9,900 (due to affiliates), member's equity $0.
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Fee burden
Total ongoing fee load of 7.0% — below the Real Estate average of 9.1%.
Disclosure
Franchisor chose not to disclose financial performance representations. You will need to gather unit economics directly from existing franchisees.
Source: FDD Item 19 financial performance representations and publicly filed FDD data. Past performance is not indicative of future results. Verify all figures with the franchisor and current franchisees before making any investment decision.
vs Real Estate averages
How Co/LAB Lending Compares
Is the system healthy?
Source: FDD 2024 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 1
- Opened
- 0
- Last reporting year
- Closed
- 0
- Turnover rate
- 0.0%
- Company-owned
- 1
- Corporate units in the system
- % franchised
- 0%
- vs corporate-owned
3-year detail · Item 20
- Opened (3yr)
- 0
- Closed (3yr)
- 0
- Terminated (3yr)
- 0
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 0
- Reacquired (3yr)
- 0
- Franchisor bought back
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 12 · 1 state reported
The Territory Map
FDD Item 12 reports the state count, but the specific list isn't in our current data. The map will appear once we re-extract from the FDD or enough franchisee contacts are available.
1
states with franchisees (per FDD Item 12)
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
No SBA loan data available for this brand.
What could kill this investment?
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
Co/LAB Lending presents extreme risk: a single-unit system with going concern issues, no financial disclosure, unprotected territory, and unvalidated lending franchise model.
Litigation (Item 3)
0 case reference(s): 0 pending, 0 settled.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · NAPER CPA GROUP
Supplier relationship · Items 8 & 16
- Franchisor sells you products: No
- Kickbacks from required suppliers: Yes
- Must buy proprietary products: No
- Restricted to system-approved products: No
- Can negotiate own supplier terms: Yes
Score breakdown · what drove the 35 / 100 verdict
- 01HIGHGoing concern warning indicates franchisor financial distress or viability questions
- 02MINOROnly 1 existing unit suggests brand is pre-revenue or collapsing; impossible to validate business model
- 03MEDNo average revenue or net income disclosed (Item 19) prevents ROI analysis and suggests poor unit performance
- 04MINORUnprotected territory creates direct competition risk and cannibalization within franchise system
- 05MINORHigh franchise fee ($30,000) relative to total investment ($54,750–$114,100) leaves minimal working capital
- 06MINOR7-year term is long commitment to unproven concept with single operating unit
- 07MED6% royalty on non-disclosed revenue creates ongoing obligation with unknown profitability ceiling
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 7.0% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2024 · Items 11, 12, 17
FDD Items 12, 15, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 7 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 2 |
| Territory type | protected |
| Protected territory | No |
| Exclusive territoryℹ | No |
| Territory population | 100,000 |
| Online sales rightsℹ | Granted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 1 year |
| Non-compete (miles)ℹ | 5 mi |
| Right of first refusalℹ | Yes |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Termination groundsℹ | 1 |
| Mandatory arbitration | Yes |
| Arbitration location | Erie, Pennsylvania |
| Jury trial waiver | No |
| Governing law | PA |
| Litigation count | 0 |
View Item 3 litigation summary
0 case reference(s): 0 pending, 0 settled.
Items 10, 11
Training & Operations
- Classroom training
- 90 hrs
- On-the-job training
- 5 hrs
- Training location
- Online and in-person at Erie, PA headquarters
- Ongoing training
- Required
- Time to open
- 4 mo
- From signing to launch
- Site selection
- Franchisee with franchisor approval
- Franchisor financing
- Offered
- Item 10
- POS system
- Arive POS/LOS
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Arive POS/LOS
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Co/LAB Lending franchise?
The total investment to open a Co/LAB Lending franchise ranges from $55K – $114K, with an initial franchise fee of $30K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Co/LAB Lending franchise owners earn?
Co/LAB Lending 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 Item 19 in the Co/LAB Lending 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 Co/LAB Lending FDD and qualifies whose outlets they describe.
What is Co/LAB Lending's franchise failure rate?
SBA 7(a) loan charge-off data is not available for Co/LAB Lending (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 Co/LAB Lending franchise locations are there?
As of their most recent FDD filing, Co/LAB Lending has 1 total units in the United States, including 0 franchised units and 1 company-owned units.
Is Co/LAB Lending a good franchise to buy?
FranchiseVerdict rates Co/LAB Lending as a D-grade franchise with a verdict score of 35 out of 100 (higher is better), 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.
For franchisors
Are you the franchisor?
If you represent Co/LAB Lending, you can request corrections or provide updated information.
Other Real Estate franchises
Compare similar franchise opportunities in the Real Estate category
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.