Freeway InsuranceFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A Freeway Insurance franchise requires a total initial investment of $35K – $84K, including a $25K franchise fee and an ongoing 14.0% royalty[2]. Per the 2025 FDD, average unit revenue was $467K[2]. Verdict grade: A. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $35K – $84K
- 11th pct Financial Ser…
- Avg gross sales
- $467K
- 14th pct Financial Ser…
- Royalty
- 14.0%
- 23rd pct Financial Ser…
- Units
- 606
- 58th pct Financial Ser…
- SBA default
- 0.0%
- system-wide median varies by category
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
Each dollar invested generates 7.8x in gross revenue, well above the typical 1.5-2.5x range.
Started franchising in 2025. Newer systems carry more uncertainty but may offer better territories.
The system grew 74% year-over-year. Fast growth means demand, but can strain support.
The franchisor's auditor raised doubt about continued operations. This is a serious risk signal.
Bottom line
- Total investment $35K – $84K including a $25K franchise fee, 14.0% ongoing royalty.
- Average unit revenue of $467K/year (median $384K).
- Verdict A (Top Quintile) with a risk score of 37/100.
- Auditor disclosed a going-concern note, which flagged doubt about the franchisor's ability to continue operations. Verify against the latest FDD.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- Confie Franchise Services, LLC
- Parent company
- Confie Holding II Co. (“CH II”)
- Incorporated in
- NV
- HQ
- 7711 Center Avenue, Suite 200, Huntington Beach, California 92647
- Auditor
- CoSurge LLC
- Audited financials
- Franchisor revenue
- $588K
- vs $2.0M prior year
- ⚠ Going-concern note
- Disclosed in FDD 2025
- Auditor flagged doubt about continued operations. Verify against the latest FDD before deciding.
Overview
About
Freeway Insurance franchisees operate as independent insurance agents selling auto, home, and specialty insurance policies to customers. Daily operations include customer consultations, policy comparisons, paperwork processing, customer service management, and lead generation. Franchisees leverage the corporate brand's relationships with insurance carriers while building their own customer base in protected territories.
- CEO
- Mr. Cesar Soriano
- Headquarters
- CA
- Founded
- 2021
- FDD year
- 2025
- States available
- 7
FDD Item 7 · 2025 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $25K | $25K |
| Working capital (3–6 mo) | $5K | $16K |
| Equipment, build-out, other | $5K | $44K |
| Total initial investment | $35K | $84K |
Source: Freeway Insurance 2025 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
$9K
2.0% margin
Unlevered ROIC
13%
EBITDA / total invested capital
Payback
7.5 yrs
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $35K – $84K
- Better than avg vs category
- Liquid capital req'd
- $5K – $16K
- Better than avg vs category
- Franchise fee
- $10K – $25K
- Better than avg vs category
- Royalty
- 14.0%
- Gross Sales · typical 6–8%
- Ad fund
- 7.0%
- typical 3–5%
- Total fee load
- 21.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 14.0% of gross sales |
| Marketing / ad fund | 7.0% of gross sales |
| Technology fee | $8K |
| Transfer fee | $19K |
| Renewal fee | $5K |
| Total fee load | 21.0% of rev |
At 21.0% total fee load, roughly $98K per year goes to the franchisor before you pay a single operating expense.
Financial Performance
- Avg gross sales
- $467K
- Per unit, per year
- Median gross sales
- $384K
- Item 19 type
- Revenue
- Sample size
- 298 units
- vs category median 97 · large
- Range (low → high)
- $52K→$3.4M
- Cohort dispersion (min → max)
- Transparency
- 4 / 5
- vs category median 0 / 5 · above
Compared against 58 Financial Services brands
Revenue is 7.8x the investment midpoint. At typical franchise margins, this suggests a payback under 3 years.
vs Financial Services averages
How Freeway Insurance Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 606
- Opened
- 14
- Last reporting year
- Closed
- 0
- Turnover rate
- 0.0%
- Company-owned
- 573
- Corporate units in the system
- % franchised
- 5%
- vs corporate-owned
- Net growth (yr3)
- +73.7%
- Net unit change last year
3-year detail · Item 20
- Transfers (3yr)
- 0
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 7 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 loan disclosures. This brand has only 1 7(a) loan on file; statistical reliability is limited below 10 loans.
- Total loans
- 1
- Loan volume
- $104K
- Median loan
- $104K
- 50th percentile
- Charge-off rate
- 0.0%
- 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)
- N/A
- 5-yr charge-off
- N/A
- Loans approved 2021+
- Active lenders
- 1
- Defaults
- 0
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into Freeway Insurance's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 1 lenders with concentration factor
- Per-state charge-off rates across 1 states
- Startup risk premium and job creation velocity
- 1-year lending trend
Instant access. No subscription.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
While Freeway Insurance shows strong unit growth and no litigation, the absence of profitability disclosure combined with a steep 14% royalty rate presents meaningful risk in assessing realistic franchisee earnings.
Audited financials (Item 21)
Yes · CoSurge LLC⚠ Going-concern note flagged
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Score breakdown · what drove the 37 / 100 rating
- 01MEDNet income not disclosed in FDD Item 19 — unable to calculate actual ROI or profitability benchmarks
- 02MINORHigh royalty burden of 14% on gross revenue significantly impacts bottom-line profitability
- 03MINORRapid unit growth of 73.7% YoY may indicate unsustainable expansion or aggressive recruitment over quality support
- 04MINORInitial investment range ($34,950–$84,000) is broad, suggesting inconsistent territory valuations or hidden costs
- 05MINORNo disclosure of average net profit despite $466,858 average revenue creates opacity around true earnings potential
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 | 3 |
| Territory type | Geographic |
| Protected territory | Yes |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Jury trial waiver | Yes |
| Governing law | California |
| Litigation count | 0 |
Items 10, 11
Training & Operations
- Classroom training
- 77 hrs
- On-the-job training
- 0 hrs
Items 5 & 11
Franchisor Support
Item 20 · call current owners
Franchisee Contacts
38 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Freeway Insurance · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Freeway Insurance franchise?
The total investment to open a Freeway Insurance franchise ranges from $35K – $84K, with an initial franchise fee of $25K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Freeway Insurance franchise owners earn?
According to Item 19 of the Freeway Insurance FDD, the average gross sales per unit is $467K. The median is $384K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is Freeway Insurance's franchise failure rate?
SBA 7(a) loan charge-off data is not available for Freeway Insurance (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 Freeway Insurance franchise locations are there?
As of their most recent FDD filing, Freeway Insurance has 606 total units in the United States, including 2 franchised units and 573 company-owned units. 14 new units were opened in the latest reporting year.
Is Freeway Insurance a good franchise to buy?
FranchiseVerdict rates Freeway Insurance as a A-grade franchise with a risk score of 37 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 Freeway Insurance, 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.