Concrete CraftFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
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]. Verdict grade: C. Run a live ROI scan →
Data last verified June 21, 2026 · figures per the 2024 FDD issuance
Overview
- Investment
- $156K – $233K
- 57th pct Home Services
- Avg gross sales
- $394K
- 10th pct Home Services
- Royalty
- 7.0%
- 28th pct Home Services
- Units
- 77
- 47th pct Home Services
- SBA default
- 36.4%
- system-wide median varies by category
Quick verdict · Home Services · color = vs category peers
Green = >15% above Home 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
36.4% of SBA loans charged off across 49 loans, above the 16% franchise average.
Bottom line
- Total investment $156K – $233K including a $20K franchise fee, 7.0% ongoing royalty.
- Average unit revenue of $394K/year (median $321K).
- Verdict C (Average) with a risk score of 68/100. 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, 2010–2024).
- 16 units terminated last reporting year (20.8% of the system). Ask existing franchisees why.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- AMERICAN DECORATIVE COATINGS, LLC
- Parent company
- JM Family Enterprises, Inc.
- CEO title
- President
- Dan Lightner
- Incorporated in
- DE
- HQ
- 19000 MacArthur Boulevard, Suite 100, Irvine, CA 92612
- Auditor
- PricewaterhouseCoopers LLP
- Audited financials
- Franchisor revenue
- $3.8M
- vs $3.5M prior year
- Management churn noted
- Frequent turnover
- Item 2 disclosed frequent executive changes
Overview
About
Concrete Craft franchisees operate concrete coating and restoration services, applying decorative finishes, sealants, and repairs to residential and commercial concrete surfaces. Day-to-day work includes client consultations, surface preparation, application of epoxy or polyurethane coatings, and project management. Franchisees typically manage crews, handle marketing, and oversee operations in their protected territory.
- CEO
- Dan Lightner
- Headquarters
- CA
- Founded
- 2014
- FDD year
- 2024
- States available
- 25
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.
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
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $156K – $233K
- Near category avg vs category
- Liquid capital req'd
- $30K – $50K
- Near category avg vs category
- Franchise fee
- $20K – $20K
- Better than avg vs category
- Royalty
- 7.0%
- Gross Revenue · 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 |
| Total fee load | 8.0% of rev |
Financial Performance
- Avg gross sales
- $394K
- Per unit, per year
- Median gross sales
- $321K
- Item 19 type
- Actual
- Sample size
- 55 units
- vs category median 25 · large
- Range (low → high)
- $5K→$1.8M
- Cohort dispersion (min → max)
- Quartile band
- $164K→$523K
- Bottom 25% → top 25%
- Reporting year
- 2023
- Fiscal year the figures cover
- Transparency
- 4 / 5
- vs category median 4 / 5 · typical
Compared against 349 Home Services brands
vs Home Services averages
How Concrete Craft Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 77
- Opened
- 14
- Last reporting year
- Closed
- 16
- Terminated
- 16
- Franchisor ended the franchise (per Item 20)
- Turnover rate
- 20.8%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (yr3)
- -2.5%
- Net unit change last year
- 3-yr CAGR
- -2.5%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 1
- 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
Vintage analysis
Concrete Craft charge-off rate by loan vintage
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.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
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 administrative proceeding with Maryland Securities Division (2004-2005) resulting in Consent Order on January 25, 2006 with cease and desist requirements and franchise agreement rescission. Two suits to collect royalty payments and fees filed in 2023: American Decorative Coatings, LLC v. Jacob Norris (Colorado, August 2023) and American Decorative Coatings, LLC v. Odan, LLC (Florida, July 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: No
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 68 / 100 rating
- 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
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 10 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 2 |
| Territory type | Household count / ZIP Codes |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Territory population | 100,000 |
| Online sales rights | 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 | Yes |
| Governing law | California |
| Litigation count | 3 |
View Item 3 litigation summary
One administrative proceeding with Maryland Securities Division (2004-2005) resulting in Consent Order on January 25, 2006 with cease and desist requirements and franchise agreement rescission. Two suits to collect royalty payments and fees filed in 2023: American Decorative Coatings, LLC v. Jacob Norris (Colorado, August 2023) and American Decorative Coatings, LLC v. Odan, LLC (Florida, July 2023).
Items 10, 11
Training & Operations
- Classroom training
- 93 hrs
- On-the-job training
- 0 hrs
- Training location
- On-site and pre-opening
- Ongoing training
- Optional
- Time to open
- 3 mo
- From signing to launch
- 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. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
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 C-grade franchise with a risk score of 68 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.