Concrete Craft Franchise Cost, Revenue & Review 2026
- Investment
- $156K – $233K
- Disclosed sales
- $394K
- gross sales, not profit
- SBA charge-off
- 36.4%
- on 49 loans
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 revenue per franchisee was $394K. This franchisor reports Item 19 per franchisee rather than per outlet, so the figure is not comparable with per-outlet averages[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 →
Sources, dates and evidence
FDD issued: · Data extracted: · Last cited check: · Staleness risk: high - issued more than two years ago
Evidence: strong✓ Investment (Item 7)✓ Item 19 status✓ Units and owners (Item 20)✓ SBA loan coverage✓ Litigation (Item 3)✓ Financial statements (Item 21)✓ Franchisor identityhow this is scored8 of 8 headline figures on this page cite a page of the filing.
Overview
- Investment
- $156K – $233K
- 62nd pct Home Services
- Avg gross sales
- $394K
- Per franchisee, not per outletOutlet subset
- Royalty
- 7.0%
- 48th 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 median · 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 revenue per franchisee of $394K/year (median $321K) (reported for a subset of outlets rather than the whole system). Averaged per franchisee, not per outlet - not comparable with per-outlet figures.
- 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).
- GROWTHNegative: net -2 franchised outlets in the latest year (14 opened, 16 closed); 5 signed but not yet open (Item 20).
- 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
- FDD Item 1, page 8 of the 2024 FDD
- Ultimate parent
- JM Family Enterprises, Inc.
- FDD Item 1, page 8 of the 2024 FDD
- 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
Same owner · FDD Item 1, page 8
8 other brands on this site name JM Family Enterprises, Inc. as parent or ultimate parent in their own FDD.
- AdvantaCleanD
- Aussie Pet MobileC
- BATH TUNE-UPB
- BUDGET BLINDSB
- PREMIERGARAGEB
- THE TAILORED CLOSETB
- TWO MAIDSA
- Tailored LivingC
Portfolio: Home Franchise Concepts
Grouped by the owner's name as each filing prints it (this page: the 2024 FDD). Spelling variants of the same group may be listed apart; a brand is never grouped with an owner its filing does not name.
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 16% above 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 by sales volume · 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% |
| 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 33% below the home services norm.
Averaged per franchisee, not per outlet - not comparable with per-outlet figures
Reported for a subset of outlets rather than the whole system
Source: FDD 2024 · Item 19
Single-unit · not modelled
Returns at a glance
An FDD discloses gross sales, not profit, and the operating costs that turn one into the other are in no filing. We publish no modelled return for CONCRETE CRAFT until someone supplies them — yours, in the models below.
—
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
Total invested capital · disclosed
$235K
Item 7 initial investment plus working capital, as filed — the one figure here that needs no assumption.
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, read against the 30–60% reference band · Yale SOM, Post-MBA Path Exhibit 2 (2023). Below that band a passive index fund likely outperforms; above it the franchisor has pricing power you're subsidizing.
Note: Item 19 revenue is what the franchisor discloses, and it is the top line only — gross sales are not profit. No FDD discloses the operating costs that turn one into the other, so those fields start empty and nothing is modelled until you supply them from your own 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?
Illustrative category typicals — not sourced to any filing, survey or sample. Replace them with figures from franchisee validation calls before you rely on the output.
Unlevered ROIC · per unit
Your modelled return on total invested capital, before any debt financing.
—
An FDD discloses gross sales, not profit. We hold no sourced figure for COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
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%.
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
A 25-unit return is built on a per-unit EBITDA. Fill in the operating costs in Model A above and this model runs on that figure, or take the whole scenario to the full ROI workbench, where the portfolio and LBO models accept your own per-unit economics directly.
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
Averaged per franchisee, not per outlet - not comparable with per-outlet figures
Reported for a subset of outlets rather than the whole system
- Avg gross sales
- $394K
- Per franchisee, per year — not per outlet
- Median gross sales
- $321K
- Per franchisee, not per outlet
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→$1.8MCited, not corroborated — printed on page 39 of the 2024 FDD. Nothing else in our record independently restates or re-derives it.
- 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 319 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
The average franchisee generates $394K/year in gross sales. Median is $321K — top performers pull the average up, so a typical unit earns less. Reported for a subset of outlets rather than the whole system.
Fee burden
Total ongoing fee load of 8.0% (near the Home Services median).
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 medians
How Concrete Craft Compares
Per franchisee, not per outlet - the category median is per-outlet only, so no comparison is shown
Category median of published Home Services brands that report the figure; the middle half spans the 25th to 75th percentile and n counts the brands behind it. Medians are used because a few very large systems pull an average far from the typical brand. Revenue is disclosed gross sales, not profit.
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
- 16
- 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
Last fiscal year · Item 20 exits and transfers
- Terminated
- 4
- Not renewed
- 0
- Transferred
- 1
- Reacquired
- 0
- Franchisor bought back
- Signed, not yet open
- 5
- 0.06 per open outlet · Item 20 Table 5
- 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.
Where the owners are · Item 20 owner list
34 current owners across 18 states; 3 former (terminated, transferred or not renewed) listed separately.
- WA 4
- KY 3
- NC 3
- TX 3
- CO 2
- FL 2
- ID 2
- MI 2
- SC 2
- TN 2
- UT 2
- GA 1
- +6 more states
Counts only, from the list the franchisor prints in Item 20. Names and phone numbers are for your own due diligence and are not shown here.
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%
- on 49 loans · 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.
Lender network · 7(a) + 504
SBA Lending Report
Full lending analysis for Concrete Craft from SBA 7(a) FOIA data.
- Principal loss rate
- 11.1%
- Avg SBA guarantee
- 85%
- Avg interest rate
- 7.03%
- Avg chargeoff amount
- $123K
- Lender concentration
- 81.3%
- Job velocity
- 2.9 per $100K
- NAICS benchmark
- 31.1%
- NAICS 238110
- Jobs supported
- 252
Top SBA lendersTop lender holds 81% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 39 | $5.8M | 53.3% |
| 2 | Celtic Bank Corporation | 2 | $300K | 0.0% |
| 3 | First Financial Bank | 2 | $275K | 0.0% |
| 4 | Seacoast National Bank | 1 | $125K | 0.0% |
| 5 | Busey Bank | 1 | $189K | 0.0% |
| 6 | Fortifi Bank | 1 | $68K | 0.0% |
| 7 | T Bank, National Association | 1 | $1.6M | N/A |
| 8 | Citizens Bank | 1 | $500K | N/A |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| FLFlorida | 6 | 4 | 100.0% |
| OHOhio | 4 | 1 | 33.3% |
| TXTexas | 4 | 0 | 0.0% |
| UTUtah | 4 | 0 | 0.0% |
| COColorado | 3 | 1 | 50.0% |
| GAGeorgia | 3 | 0 | -- |
| NCNorth Carolina | 3 | 1 | 33.3% |
| WAWashington | 3 | 0 | -- |
| MOMissouri | 2 | 0 | 0.0% |
| NYNew York | 2 | 0 | 0.0% |
SBA 7(a) lending trend
Borrower profile
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
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)
Subject: the franchisor is a named party (plaintiff).
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)
Total revenue of $3,481,837 for FY ended Dec 31, 2023, audited by PwC; approximately 1% of total revenue was derived from franchises operating in Canada.
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 territory |
| 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
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: Averaged per franchisee, not per outlet - not comparable with per-outlet figures; 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.
Who owns CONCRETE CRAFT?
CONCRETE CRAFT is franchised by American Decorative Coatings, LLC. Its parent company is Home Franchise Concepts, LLC. The ultimate parent named in the FDD is JM Family Enterprises, Inc.. Source: FDD Item 1, 2024 filing.
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). The grade is a deterministic score built from six weighted dimensions — financial health, unit economics, unit growth, scale, legal, and transparency — then calibrated against SBA loan charge-off rates and FDD age. Transparency is one of the six, so a filing that discloses less scores lower on that dimension than one that discloses more. 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 CONCRETE CRAFT, you can request corrections or provide updated information.
Other Home Services franchises
Compare similar franchise opportunities in the Home Services 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.