Concrete Craft Franchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
Concrete Craft is a home-services franchise providing decorative concrete resurfacing and coatings for floors, patios, driveways, and pool decks. Franchisees run a crew-based operation handling consultations, resurfacing, and installs in a territory.
FranchiseVerdict summary · 2026
A CONCRETE CRAFT franchise requires a total initial investment of $156K – $233K, including a $20K franchise fee and an ongoing 7.0% royalty[2]. Per the 2024 FDD, average unit revenue was $394K[2]. SBA 7(a) loans show a 36.4% charge-off rate across 49 loans[1]. 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
- $156K – $233K
- 62nd pct Home Services
- Avg gross sales
- $394K
- Outlet subset7th pct Home Services
- Royalty
- 7.0%
- 34th pct Home Services
- Units
- 77
- 53rd pct Home Services
- SBA charge-off
- 36.4%
- % of SBA 7(a) loans not repaid · median varies by category
Quick verdict · Home Services · color = vs category peers
Green = favorable by >10% vs Home Services 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 $156K – $233K including a $20K franchise fee, 7.0% ongoing royalty.
- RETURNSAverage unit revenue of $394K/year (median $321K) (reported for a subset of outlets rather than the whole system).
- RISKVerdict D (Below average), verdict score 33/100 (higher is better). SBA loan charge-off rate of 36.4% across 49 loans (well above the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- FLAG4 units terminated last reporting year (5.2% of the system). Ask existing franchisees why.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- American Decorative Coatings, LLC
- Parent company
- Home Franchise Concepts, LLC
- Ultimate parent
- JM Family Enterprises, Inc.
- Predecessor
- AA Decorative Concrete, Inc.
- Prior franchisor entity
- CEO title
- President
- Dan Lightner
- Incorporated in
- DE
- HQ
- 19000 MacArthur Boulevard, Suite 100, Irvine, CA 92612
- Auditor
- PricewaterhouseCoopers LLP
- Audited financials
- Franchisor revenue
- $3.5M
- vs $3.8M prior year
- Management churn noted
- Frequent turnover
- Item 2 disclosed frequent executive changes
Overview
About
- CEO
- Dan Lightner
- Headquarters
- CA
- Founded
- 2014
- FDD year
- 2024
- States available
- 25
Can you afford it, and what does the money buy?
Entry cost runs 13% below the typical home services franchise.
Source: FDD 2024 · Items 5–7
FDD Item 7 · 2024 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $20K | $20K |
| Working capital (3–6 mo) | $30K | $50K |
| Equipment, build-out, other | $106K | $164K |
| Total initial investment | $156K | $233K |
Source: CONCRETE CRAFT 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
- $156K – $233K
- Middle of category vs category
- Liquid capital req'd
- $30K – $50K
- Middle of category vs category
- Franchise fee
- $20K – $20K
- Top 40% of category vs category
- Royalty
- 7.0%
- tiered · typical 6–8%
- Ad fund
- 1.0%
- typical 3–5%
- Total fee load
- 8.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 7.0% of gross sales |
| Marketing / ad fund | 1.0% of gross sales |
| Technology fee | $450 |
| Training fee | $150 |
| Transfer fee | $25K |
| Renewal fee | $5K |
| Inventory (initial) | $29K – $32K |
| Total fee load | 8.0% of rev |
What do units actually make?
Average unit sales run 68% below the home services norm.
Reported for a subset of outlets rather than the whole system
Source: FDD 2024 · Item 19
Single-unit · estimated
Returns at a glance
Indicative numbers using FDD Item 7 / Item 19 inputs and category-benchmarked cost ratios. Full single-unit, 25-unit portfolio, and LBO models (with every input editable to stress-test your own scenario) live on the financials page.
Store EBITDA · annual
$43K
11.0% margin
Unlevered ROIC
18%
EBITDA / total invested capital
Payback
5.4 yrs
cash-on-cash, unlevered
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
What one unit earns on your invested capital
Model A · Single-Unit Return
Computes unlevered return on invested capital (ROIC) for a single franchise unit. The target band for an attractive franchise is 30–60% ROIC. Below that and a passive index fund likely outperforms; above that and the franchisor has pricing power you're subsidizing.
Note: Item 19 revenue is what the franchisor discloses. It's the top line only. Operating costs below are category estimates. Override them to match your real lease quote, labor market, and build-out budget.
Returns model · single-unit ROIC
What would one CONCRETE CRAFT unit return on the cash you put in?
Unlevered ROIC · per unit
Estimated return on your total franchise investment, before any debt financing.
18%
Below the 30–60% attractive-franchise band
What 25 units return when you use SBA financing
Model B · Return on Equity: Debt-Financed Acquisition
Models a 25-unit portfolio acquisition financed with an SBA 7(a) loan. Shows equity IRR (your return on cash invested), DSCR (how safely the cash flow covers debt service), and the capital stack (SBA + seller + equity breakdown).
This is the “search fund” or “entrepreneurship through acquisition” scenario: you buy an existing multi-unit operator, use leverage to amplify returns, and either operate or hire management. The 25-unit size is the typical minimum for an SBA-backed franchise portfolio acquisition to pencil as a full-time income.
What “return on equity” means here: if you put in $500K of your own cash and the business generates enough EBITDA to pay down debt and grow, your equity IRR is the annual return on that $500K, including the value created when you eventually sell. Target IRR for a search fund is typically 25–35%.
Levered LBO scenario · Yale Crease Capital framing
What would 25 CONCRETE CRAFT units return on equity?
Equity IRR · 5-yr
49.9%
7.57× MOIC
Year-1 DSCR
1.88×
EBITDA ÷ debt service
Equity required
$315K
on $1.6M purchase
Total debt
$1.3M
SBA $0.8M + senior + seller note
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
Reported for a subset of outlets rather than the whole system
- Avg gross sales
- $394K
- Per unit, per year
- Median gross sales
- $321K
Gross sales are revenue before expenses — not profit. Actual owner earnings depend on rent, labor, royalties, marketing fees, and debt service.
- Item 19 type
- gross sales
- Sample size
- 49 franchisees
- vs category median 32
- Range (low → high)
- $5K→$1.8M
- Cohort dispersion (min → max)
- Reporting year
- 2023
- Fiscal year the figures cover
- Source filing
- FDD 2024
- Disclosed in the 2024 filing, covering 2023
- Transparency
- 4 / 10
- vs category median 4 / 10 · typical
Compared against 321 Home Services brands
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Unit economics
Average unit generates $394K/year in gross sales. Median is $321K — top performers pull the average up, so a typical unit earns less. Revenue-to-investment ratio: 2.0x. Reported for a subset of outlets rather than the whole system.
Fee burden
Total ongoing fee load of 8.0% (near the Home Services average).
Disclosure
Transparency score 4/10 — this franchisor discloses detailed breakdowns (quartiles, segments, or cohort data). Buyers can model unit economics with higher confidence.
Operator retention
System contracting at -2.5% CAGR over 3 years. Investigate whether closures are franchisor-driven consolidation or franchisee exits.
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 Home Services averages
How Concrete Craft Compares
Is the system healthy?
Source: FDD 2024 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 77
- Opened
- 14
- Last reporting year
- Closed
- 12
- Terminated
- 4
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 20.8%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (3-yr)
- -2.5%
- Net unit change over 3 years
- 3-yr CAGR
- -2.5%
- Compounded over last 3 years
3-year detail · Item 20
- Opened (3yr)
- 14
- Closed (3yr)
- 12
- Terminated (3yr)
- 4
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 1
- Reacquired (3yr)
- 0
- Franchisor bought back
- Projected new
- 15
- Franchisor's next-year forecast
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 19 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 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 49
- Loan volume
- $8.9M
- Median loan
- $150K
- 50th percentile
- Charge-off rate
- 36.4%
- rates vary by category · see methodology
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- 63.6%
- 5-yr charge-off
- 30.8%
- Loans approved 2021+
- Active lenders
- 9
- Defaults
- 8
- Typical loan rate
- 7.0%
- avg rate to borrowers
- Franchised industry avg
- 28.0%
- brand above franchise avg ↑
- Jobs supported
- 252
- 2.9 per loan
- Lender concentration
- 81%
- top lender's share
Borrower mix: 91% went to startups / new businesses, 9% to established operators
Franchise vs independent — in poured concrete foundation and structure contrac, franchised businesses charge off at 28.0% vs 15.3% for independents — franchising is associated with 83% higher SBA default risk in this category.
Vintage analysis
Concrete Craft charge-off rate by loan vintage
Top lenders financing Concrete Craft franchisees
Showing 3 of 9 lenders. The full breakdown — every lender, state distribution, interest rates & risk ratings — is in the SBA Lending Report below.
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into Concrete Craft's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 8 lenders with concentration factor
- Per-state charge-off rates across 15 states
- Startup risk premium and job creation velocity
- 8-year lending trend
Instant access. No subscription.
A 36.4% charge-off rate means roughly 1 in 3 franchisees failed to repay their SBA loan. Investigate what changed.
What could kill this investment?
SBA loans charge off at 36.4% — 127% above the 16.0% national norm, i.e. higher lender-observed risk.
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
Concrete Craft presents elevated risk due to system decline, undisclosed profitability metrics, recent franchisee litigation, and regulatory history—proceed only after intensive franchisee validation.
Litigation (Item 3)
One historical administrative consent order (affiliate Aussie Pet Mobile, Maryland franchise law violation, 2006); two suits by franchisor to collect royalty payments from franchisees filed in 2023
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · PricewaterhouseCoopers LLP
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: Yes
- Kickbacks from required suppliers: Yes
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 33 / 100 verdict
- 01MINORUnit count declining 2.5% YoY (77 units) suggests system contraction and potential saturation or franchisee dissatisfaction
- 02MEDNet income not disclosed in Item 19 prevents validation of actual profitability claims; average revenue of $394K may not translate to acceptable owner earnings
- 03MINORTwo active 2023 collection lawsuits against franchisees indicate payment disputes and potential cash flow problems within the system
- 04MINORHistorical 2006 consent order with affiliate Aussie Pet Mobile on franchise law compliance raises questions about corporate governance and regulatory adherence
- 05MINORHigh initial investment ($156K-$233K) combined with declining unit count increases risk that ROI projections may not materialize
- 06MED10-year term locks franchisee into relationship with shrinking brand; limited exit flexibility if performance lags
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 8.0% 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 | 10 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 2 |
| Territory type | protected |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Territory population | 100,000 |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 25 mi |
| Right of first refusalℹ | Yes |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Arbitration location | Orange County, California |
| Jury trial waiver | No |
| Governing law | CA |
| Litigation count | 3 |
View Item 3 litigation summary
One historical administrative consent order (affiliate Aussie Pet Mobile, Maryland franchise law violation, 2006); two suits by franchisor to collect royalty payments from franchisees filed in 2023
Items 10, 11
Training & Operations
- Classroom training
- 93 hrs
- On-the-job training
- 0 hrs
- Training location
- HFC Experience Center, Coppell, TX (in-person); virtual (pre/post training)
- Ongoing training
- Required
- Time to open
- 2 mo
- From signing to launch
- Site selection
- franchisee
- Franchisor financing
- Offered
- Item 10
- POS system
- ServiceMinder
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: ServiceMinder
Item 20 · call current owners
Franchisee Contacts
37 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
CONCRETE CRAFT · FDD (2024) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a CONCRETE CRAFT franchise?
The total investment to open a CONCRETE CRAFT franchise ranges from $156K – $233K, with an initial franchise fee of $20K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do CONCRETE CRAFT franchise owners earn?
According to Item 19 of the CONCRETE CRAFT FDD, the average gross sales per unit is $394K. The median is $321K. Important context: Reported for a subset of outlets rather than the whole system. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is Item 19 in the CONCRETE CRAFT 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 CONCRETE CRAFT FDD and qualifies whose outlets they describe.
What is CONCRETE CRAFT's franchise failure rate?
Based on SBA 7(a) loan data, CONCRETE CRAFT has a charge-off rate of 36.4% across 49 loans, meaning 36.4% of franchise loans were charged off. Charge-off rates are one proxy for franchise risk, though they do not capture all closures. This data comes from FOIA-sourced SBA lending records.
How many CONCRETE CRAFT franchise locations are there?
As of their most recent FDD filing, CONCRETE CRAFT has 77 total units in the United States, including 77 franchised units and 0 company-owned units. 14 new units were opened in the latest reporting year.
Is CONCRETE CRAFT a good franchise to buy?
FranchiseVerdict rates CONCRETE CRAFT as a D-grade franchise with a verdict score of 33 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?
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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.