Co/LAB Lending
Formerly known as Marsh and Munar Team
Bottom line
- Total investment $55K – $114K including a $30K franchise fee, 6.0% ongoing royalty.
- No Item 19 financial performance data disclosed — the franchisor chose not to publish revenue figures.
- Rated CAUTION with a risk score of 75/100.
- 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
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 Co/LAB Lending unit return on the cash you put in?
Unlevered ROIC · per unit
118%
Above typical band (30–60%)
Overview
About
Co/LAB Lending franchisees appear to operate alternative lending or small business loan facilitation services, likely originating loans, managing client relationships, processing applications, and earning revenue through loan origination fees or commissions. However, the exact business model, revenue streams, and operational requirements are unclear given the minimal system maturity.
Item 7 · what it costs
The Vitals
Item 19
Financial Performance
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
Item 20 · unit dynamics
The Growth Chart
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 3 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.
No SBA loan data available for this brand.
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
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.
Score breakdown · what drove the 75 / 100 rating
- 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
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
14 numbers
One-time purchase · CSV download · Validation questions included
FDD download
Co/LAB Lending · FDD (2024) PDF