Cookie Advantage
Formerly known as Computer Aid, Inc.
Bottom line
- Total investment $93K – $171K including a $35K franchise fee, 6.0% ongoing royalty.
- Average unit revenue of $443K/year (median $342K).
- Rated MODERATE with a risk score of 60/100. SBA loan default rate of 0.0% across 7 loans (below the industry average).
- System contracting at -15.8% CAGR over 3 years. Investigate whether closures are franchisor-driven (consolidation) or franchisee-driven (economics).
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 Cookie Advantage unit return on the cash you put in?
Unlevered ROIC · per unit
29%
Below typical band (30–60%)
Levered LBO scenario · Yale Crease Capital framing
What would 25 Cookie Advantage units return on equity?
Equity IRR · 5-yr
49.9%
7.57× MOIC
Year-1 DSCR
1.88×
EBITDA ÷ debt service
Equity required
$177K
on $887K purchase
Total debt
$709K
SBA $0.4M + senior + seller note
Overview
About
Cookie Advantage franchisees operate small-format cookie retail locations, likely featuring fresh-baked or prepared cookies with limited SKU offerings. Day-to-day operations involve inventory management, product preparation, point-of-sale transactions, customer service, and local marketing in a protected territory.
Item 7 · what it costs
The Vitals
Item 19
Financial Performance
Item 20 · unit dynamics
The Growth Chart
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 13 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.
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Cookie Advantage presents meaningful risk due to a shrinking micro-franchise system, undisclosed profitability metrics, and royalty structures that may burden low-performing units despite moderate average revenue.
Score breakdown · what drove the 60 / 100 rating
- 01MINORUnit count declining 5.9% YoY (24 units is very small system with negative momentum)
- 02MEDNet income not disclosed in FDD — cannot assess actual profitability or ROI
- 03MINORAverage revenue of $443k against $92.5k-$171k investment requires 5+ years to break even before accounting for royalties, rent, and labor
- 04MINOREscalating royalty structure ($800 minimum floor from month 13) creates cash flow pressure for underperforming locations
- 05MINORVery small franchise system (24 units) limits brand recognition, supply chain leverage, and support infrastructure
- 06MINOR5-year term is relatively short; rebuild investment required after expiration creates exit risk
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
13 numbers
One-time purchase · CSV download · Validation questions included
FDD download
Cookie Advantage · FDD (2026) PDF