FiestaFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A FIESTA franchise requires a total initial investment of $72K – $157K, including a $15K franchise fee and an ongoing 20.0% royalty[2]. Per the 2022 FDD, average unit revenue was $322K[2]. Verdict grade: A. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2022 FDD issuance
Overview
- Investment
- $72K – $157K
- 42nd pct Financial Ser…
- Avg gross sales
- $322K
- 11th pct Financial Ser…
- Royalty
- 20.0%
- 32nd pct Financial Ser…
- Units
- 248
- 51st pct Financial Ser…
- SBA default
- N/A
Quick verdict · Financial Services · color = vs category peers
Green = >15% above Financial 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
Bottom line
- Total investment $72K – $157K including a $15K franchise fee, 20.0% ongoing royalty.
- Average unit revenue of $322K/year (median $223K).
- Verdict A (Top Quintile) with a risk score of 47/100.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- Fiesta Insurance Franchise Corporation
- Parent company
- Fiesta Insurance Acquisition, Inc.
- Ultimate parent
- Insurvia, LLC
- CEO title
- Chief Executive Officer
- Danish Charanya
- Incorporated in
- DE
- HQ
- 3755 Breakthrough Way, Suite #205, Las Vegas, Nevada 89135
- Auditor
- WithumSmith+Brown, PC
- Audited financials
- Franchisor revenue
- $45.4M
- vs $46.7M prior year
Overview
About
FIESTA franchisees operate insurance agency businesses, likely focused on auto, home, or specialty insurance products. Day-to-day operations include customer acquisition, policy sales, client service, claims support, and regulatory compliance. Revenue derives from insurance commissions and potential service fees.
- CEO
- Danish Charanya
- Headquarters
- NV
- Founded
- 2006
- FDD year
- 2022
- States available
- 11
FDD Item 7 · 2022 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $15K | $15K |
| Working capital (3–6 mo) | $25K | $75K |
| Equipment, build-out, other | $32K | $67K |
| Total initial investment | $72K | $157K |
Source: FIESTA 2022 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
$0
0.0% margin
Unlevered ROIC
0%
EBITDA / total invested capital
Payback
—
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $72K – $157K
- Near category avg vs category
- Liquid capital req'd
- $25K – $75K
- Near category avg vs category
- Franchise fee
- $15K – $15K
- Better than avg vs category
- Royalty
- 20.0%
- percentage_of_gross · typical 6–8%
- Ad fund
- $1,200 per calendar month
- Total fee load
- 20.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 20.0% of gross sales |
| Technology fee | $200 |
| Transfer fee | $0 |
| Renewal fee | $15K |
| Total fee load | 20.0% of rev |
At 20.0% total fee load, roughly $64K per year goes to the franchisor before you pay a single operating expense.
Financial Performance
- Avg gross sales
- $322K
- Per unit, per year
- Median gross sales
- $223K
- Item 19 type
- gross_sales
- Sample size
- 232 units
- vs category median 97 · large
- Range (low → high)
- $4K→$1.6M
- Cohort dispersion (min → max)
- Reporting year
- 2022
- Fiscal year the figures cover
- Transparency
- 4 / 5
- vs category median 0 / 5 · above
Compared against 58 Financial Services brands
vs Financial Services averages
How Fiesta Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 248
- Opened
- 15
- Last reporting year
- Closed
- 11
- Terminated
- 1
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 2
- Term expired, not renewed (per Item 20)
- Turnover rate
- 4.4%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Multi-unit owners
- 1.0%
- Net growth (yr3)
- +0.4%
- Net unit change last year
- 3-yr CAGR
- +14.8%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 36
- Transfer rate
- 14.5%
- Owners selling to other franchisees
- Termination rate
- 1.2%
- Franchisor-initiated terminations
- Ceased ops
- 4.4%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 20 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
- 15
- Loan volume
- N/A
- Amount data pending
- Median loan
- N/A
- Charge-off rate
- N/A
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- N/A
- 5-yr charge-off
- N/A
- Loans approved 2021+
- Active lenders
- 0
- Defaults
- 0
Explore lender portfolios on Bank Reports or regional data on State Reports.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
FIESTA presents high structural risk due to franchisor going concern status, near-zero unit growth, undisclosed profitability metrics, and punitive royalty rates that may exceed franchisee margins.
Litigation (Item 3)
No litigation required to be disclosed
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · WithumSmith+Brown, PC
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 47 / 100 rating
- 01HIGHGoing Concern status indicates franchisor financial distress or operational uncertainty
- 02MEDExtreme unit decline: only 248 units with 0.4% YoY growth signals stagnation or contraction trend
- 03MEDNet income not disclosed despite average revenue of $321,581 — suggests profitability concerns or hidden losses
- 04MINORVery high royalty rate (20-25% of gross) combined with $15K franchise fee creates severe cash flow pressure for franchisees
- 05MINORNo Item 19 financial performance data publicly available — inability to validate profit claims
- 06MEDNarrow $72K-$156K investment range suggests limited scalability or inconsistent startup models
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 | 5 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 2 |
| Territory type | Radius/Population |
| Protected territory | Yes |
| Exclusive territoryℹ | Yes |
| Territory population | 20,000 |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | Yes |
| RoFR response window | 20 days |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | No |
| Jury trial waiver | Yes |
| Governing law | Nevada |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation required to be disclosed
Items 10, 11
Training & Operations
- Classroom training
- 33 hrs
- On-the-job training
- 0 hrs
- Ongoing training
- Required
Items 5 & 11
Franchisor Support
Item 20 · call current owners
Franchisee Contacts
70 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
FIESTA · FDD (2022) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a FIESTA franchise?
The total investment to open a FIESTA franchise ranges from $72K – $157K, with an initial franchise fee of $15K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do FIESTA franchise owners earn?
According to Item 19 of the FIESTA FDD, the average gross sales per unit is $322K. The median is $223K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is FIESTA's franchise failure rate?
SBA 7(a) loan charge-off data is not available for FIESTA (fewer than 10 loans on file). Charge-off rates are one way to gauge franchise risk, but not all franchise loans go through the SBA program. We recommend reviewing turnover and closure data in the FDD and speaking with current franchisees.
How many FIESTA franchise locations are there?
As of their most recent FDD filing, FIESTA has 248 total units in the United States, including 216 franchised units and 0 company-owned units. 15 new units were opened in the latest reporting year.
Is FIESTA a good franchise to buy?
FranchiseVerdict rates FIESTA as a A-grade franchise with a risk score of 47 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.
For franchisors
Are you the franchisor?
If you represent FIESTA, you can request corrections or provide updated information.
Claim this brandOther Financial Services franchises
Compare similar franchise opportunities in the Financial 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.