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Heating + Air Paramedics Franchise Cost, Revenue & Review 2026

Home ServicesOHFranchising since 2021
BAbove averageAbove average66/100Editorial grade from public filings; not investment advice.
Investment
$101K – $193K
Disclosed sales
$1.9M
gross sales, not profit
SBA charge-off
Under 10 loans (1)

Investment, fees, disclosed sales, units, SBA record and risk, as one PDF. Free; no spam; one click to unsubscribe.

FV-01176FDD 2026Data QualityExcellent86%
Owner-operator requiredYes: Exclusive territory

Data from FDD filing + SBA 7(a) records

Analysis by FranchiseVerdict Research · Methodology

Heating + Air Paramedics is a home services franchise providing HVAC repair, maintenance, and installation. Franchisees run local operations, dispatching technicians and managing scheduling and sales.

FranchiseVerdict summary · 2026

A Heating + Air Paramedics franchise requires a total initial investment of $101K – $193K, including a $40K franchise fee and an ongoing 5.0% royalty[2]. Per the 2026 FDD, average revenue per franchisee was $1.9M. This franchisor reports Item 19 per franchisee rather than per outlet, so the figure is not comparable with per-outlet averages[2]. FranchiseVerdict grade: B (Above 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: low - issued within the last 12 months

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
$101K – $193K
35th pct Home Services
Avg gross sales
$1.9M
Per franchisee, not per outlet
Royalty
5.0%
8th pct Home Services
Units
22
29th pct Home Services
SBA charge-off
N/A

Quick verdict · Home Services · color = vs category peers

Total Investment
$101K – $193K
Median $168K
below median ↓, better than category
Franchise Fee
$40K – $40K
Median $50K
below median ↓, better than category
Liquid Capital Req'd
$25K – $50K
Median $29K
above median ↑, worse than category
Avg Revenue
$1.9M
Median $587K
Per franchisee, not per outlet
Royalty Rate
5.0%
Median 6.0%
below median ↓, better than category
Ongoing Fees
7.0% of rev
Median 8.0%
below median ↓, better than category
SBA Charge-Off Rate
Under 10 loans (1)
Insufficient SBA coverage: 1 loan, rate hidden below 10
System Size
22 units
Median 47 units
below median ↓, worse than category
Turnover Rate
4.5%
Median 4.3%
near median
Territory
Exclusive
No other outlet of the brand may open inside it
Owner-Operator
Required
You must run it yourself
Litigation
1 case
Some history

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 $101K – $193K including a $40K franchise fee, 5.0% ongoing royalty.
  • RETURNSAverage revenue per franchisee of $1.9M/year (median $1.7M). Averaged per franchisee, not per outlet - not comparable with per-outlet figures.
  • RISKVerdict B (Above average), verdict score 66/100 (higher is better).
  • GROWTHPositive: net +6 franchised outlets in the latest year (7 opened, 1 closed); 8 signed but not yet open (Item 20).
  • GROWTHSystem growing at 340.0% CAGR over 3 years with 22 total units. Strong expansion trajectory.

Item 1 · who you're contracting with

The Franchisor

Corporate structure & franchisor financials
Legal entity
PHP Franchise, LLC
Parent company
Threshold Brands, LLC
FDD Item 1, page 10 of the 2026 FDD
Ultimate parent
HS Group Holding Company, LLC
FDD Item 1, page 10 of the 2026 FDD
Predecessor
Plumbing Heating Paramedics, LLC
Prior franchisor entity
CEO title
Chairman of the Board of Managers
Jordan Lajoie
Incorporated in
DE
HQ
17700 Saint Clair Avenue, Cleveland, Ohio 44110
Auditor
Plante & Moran, PLLC
Audited financials
Franchisor revenue
$47.9M
vs $49.0M prior year
Management churn noted
Frequent turnover
Item 2 disclosed frequent executive changes

Same owner · FDD Item 1, page 10

10 other brands on this site name HS Group Holding Company, LLC as parent or ultimate parent in their own FDD.

Grouped by the owner's name as each filing prints it (this page: the 2026 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
Jordan Lajoie
Headquarters
OH
Founded
2021
FDD year
2026
States available
7

Can you afford it, and what does the money buy?

Entry cost runs 13% below the typical home services franchise.

Total investment (Item 7)$101K – $193KCited, not corroborated — printed on page 26 of the 2026 FDD (Item 7). Nothing else in our record independently restates or re-derives it.
Franchise fee$40,000Verified — printed on page 18 of the 2026 FDD (Item 5), and another item of the same filing prints the same figure on a labelled row, which is an independent restatement.
Royalty5.0%Cited, not corroborated — printed on page 20 of the 2026 FDD (Item 6). Nothing else in our record independently restates or re-derives it.
Ad fund2.0%Cited, not corroborated — printed on page 20 of the 2026 FDD (Item 6). Nothing else in our record independently restates or re-derives it.
Working capital$25K – $50K

Source: FDD 2026 · Items 5–7

Full Item 7 breakdown10 line items

Initial investment breakdown

Item 7 initial investment line items
Line itemLowHigh
Initial Franchise Feenot refundable$40K$40K
Initial Marketing Packagenot refundable$8K$15K
Vehiclenot refundable$6K$12K
Initial Training$2K$5K
Equipmentnot refundable$5K$25K
Facility Lease and Build-outnot refundable$0$8K
Technology$2K$8K
Initial Inventory$1K$15K
Miscellaneous Opening Costsnot refundable$13K$16K
Additional Funds - 3 Months$25K$50K
Total initial investment$101K$193K

Line items extracted from FDD Item 7. Ranges reflect the franchisor's stated low and high per line. Total is the sum of line-item lows / highs — actual costs may fall outside this range depending on market and build-out scope.

Item 7 · what it costs to open + operate

The Vitals

Total investment
$101K – $193K
Top 40% of category vs category
Liquid capital req'd
$25K – $50K
Middle of category vs category
Franchise fee
$40K – $40K
Top 40% of category vs category
Royalty
5.0%
Set by a formula · typical 6–8%
Ad fund
2.0%
typical 3–5%
Total fee load
7.0%
vs 9–13% typical

Ongoing fees · Item 6

Heating + Air Paramedics: Item 6 recurring fees
FeeAmount
Royalty5.0% of gross sales
Marketing / ad fund2.0% of gross sales
Technology fee$650
Training fee$2K
Transfer fee$10K
Renewal fee$8K
Inventory (initial)$1K – $15K
Total fee load7.0% of rev

What do units actually make?

Average unit sales run 227% above the home services norm.

Avg gross sales$1.9M

Averaged per franchisee, not per outlet - not comparable with per-outlet figures

Cited, not corroborated — printed on page 46 of the 2026 FDD. Nothing else in our record independently restates or re-derives it.
Median gross sales$1.7MCited, not corroborated — printed on page 46 of the 2026 FDD. Nothing else in our record independently restates or re-derives it.
Item 19 typegross sales
Sample size3 franchisees

Source: FDD 2026 · 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 Heating + Air Paramedics 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

$185K

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
Blue values = direct from FDD (Item 7 investment, Item 19 revenue, Item 6 fees)Not set = no filing supplies it and we will not substitute one. Enter your own

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 Heating + Air Paramedics unit return on the cash you put in?

From FDDNot set — you supply itYou overrode an FDD value
Revenue · per franchisee, per year (NOT per outlet)FDD
FDD Item 19 reports $1,920,527 per franchisee — not per outlet. Every other input below is for ONE unit; replace this with a single-unit figure before relying on the ROIC.
Franchisor take · royalty + ad fundFDD
typ 6–8%
typ 3–5%
Operating costs · not in any FDDnot set

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.

Total invested capital · what you put in to openFDD
FDD Item 7: $101K–$193K (midpoint used)
FDD reports $25K–$50K

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.


Store EBITDA · annual
—
EBITDA margin
—
Total invested
$185K
Payback
—
Single-unit only. A multi-unit portfolio gives up roughly 5–15% of this to shared services (corporate G&A) before reaching the ~10-unit break-even point.

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: 2026 FDD

Financial Performance

Averaged per franchisee, not per outlet - not comparable with per-outlet figures

Avg gross sales
$1.9M
Per franchisee, per year — not per outlet
Median gross sales
$1.7M
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
3 franchisees
vs category median 32 · small
Range (low → high)
$392K→$3.7MCited, not corroborated — printed on page 46 of the 2026 FDD. Nothing else in our record independently restates or re-derives it.
Cohort dispersion (min → max)
Reporting year
2025
Fiscal year the figures cover
Source filing
FDD 2026
Disclosed in the 2026 filing, covering 2025
Transparency
4 / 10
vs category median 4 / 10 · typical
Gross sales rank
No comparison data
Investment cost rank35th
Lower investment ranks lower (better)
Royalty rate rank8th
Lower royalty = lower percentile (better)
Unit count rank29th
vs Home Services peers
Risk score rank28th
Lower risk = lower percentile (better)

Compared against 319 Home Services brands

Showing the headline figures — all 147 extracted fields are in the Full FDD Report · $19 →

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 $1.9M/year in gross sales.

Fee burden

Total ongoing fee load of 7.0% (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. Sample size of 3 franchisees — treat as directional only.

Operator retention

System expanding at 340.0% CAGR over 3 years across 22 units — operators are staying and new ones are joining.

Multi-unit rate

Only 1% of franchisees own multiple units. Could indicate challenging economics or a young system where operators haven't had time to expand.

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 Heating + Air Paramedics Compares

Metric
Heating + Air Paramedics
Category median
vs median
Investment
$147K
$168Kmiddle half $122K–$232K · n=283
Below median, better than category
Revenue
$1.9M
$587Kmiddle half $376K–$1.3M · n=79
Not compared

Per franchisee, not per outlet - the category median is per-outlet only, so no comparison is shown

Unit Count
22
47middle half 14–137 · n=283
Below median, worse than category

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?

Total units22Verified — printed on page 47 of the 2026 FDD (Item 20), and the table's own arithmetic closes on it three ways.
3-yr growthOutlier (see FDD) (caution)
Turnover rate4.5% (favorable vs category)

Source: FDD 2026 · Item 20

Unit growth

Item 20 · unit dynamics

The Growth Chart

Total units
22
Opened
7
Last reporting year
Closed
1
Terminated
1
Franchisor ended the franchise (per Item 20)
Non-renewed
0
Term expired, not renewed (per Item 20)
Turnover rate
4.5%
Company-owned
0
Corporate units in the system
% franchised
100%
vs corporate-owned
Multi-unit owners
1.0%
Net growth (3-yr)
Outlier (see FDD)
Likely small-sample artifact
3-yr CAGR
Outlier (see FDD)
Likely small-sample artifact

Last fiscal year · Item 20 exits and transfers

Terminated
1
Not renewed
0
Transferred
0
Reacquired
0
Franchisor bought back
Signed, not yet open
8
0.36 per open outlet · Item 20 Table 5
Projected new
13
Franchisor's next-year forecast
Termination rate
4.5%
Franchisor-initiated terminations
Ceased ops
4.5%
Units that stopped operating
2023
5
Franchised units
2024
16+11
Franchised units
2025
22+6
Franchised units

Year-over-year franchised unit counts and net change. Source: FDD Item 20.

Item 20 · 9 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).

AK
ME
VT
NH
MA
RI
CT
NY
NJ
PA
DE
MD
DC
WA
OR
CA
NV
ID
MT
WY
UT
CO
AZ
NM
ND
SD
NE
KS
OK
TX
MN
IA
MO
AR
LA
WI
IL
MS
TN
MI
IN
KY
AL
OH
WV
GA
VA
NC
SC
FL
HI
Active operators · 9 states
No contacts on file

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

13 current owners across 9 states.

  • TX 4
  • IN 2
  • AZ 1
  • CA 1
  • FL 1
  • GA 1
  • MO 1
  • NC 1
  • SC 1

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.

Growth insight

Fast growth in a small system. Newer franchisors expanding quickly may not yet have the support infrastructure of larger systems.

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
$150K
Median loan
$150K
average
Charge-off rate
Under 10 loans (1)
Insufficient SBA coverage: 1 loan, rate hidden below 10

Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated

Repayment rate (PIF)
Under 10 loans (1)
5-yr charge-off
Under 10 loans (1)
Loans approved 2021+
Active lenders
1
Defaults
N/A

Explore lender portfolios on Bank Reports or regional data on State Reports.

What could kill this investment?

SBA charge-offUnder 10 loans (1)
Verdict score66/100 (higher is better)
Litigation1 cases · none name the franchisor
Auditor going-concern doubtNo (favorable vs category)

Source: SBA 7(a) FOIA · FDD Items 3, 21

Risk analysis

FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21

Risk & Legal

BAbove average66Verdict score 66/100

Attractive revenue averages obscured by undisclosed profitability, affiliate regulatory action, and thin unit base with opaque franchisee economics.

Moderate confidence±10 pts
5676

Litigation (Item 3)

Subject: officers or affiliates. The franchisor is not a named party in these cases.

MaidPro Franchise LLC Consent Order with Securities Commissioner of Maryland (Case No. 2025-0075), $15,000 penalty for inadvertent violation of franchise fee deferral condition

Bankruptcy (Item 4)

None disclosed

Audited financials (Item 21)

Yes · Plante & Moran, PLLC

Franchisor revenue (Item 21)

Yr 1: $47.9MYr 2: $49.0MNon-royalty: $2.3M

Franchisor entity revenue (not unit-level)

Item 21 financials are the audited consolidated statements of the parent guarantor, HS Group Holding Company, LLC and Subsidiaries (not PHP Franchise, LLC itself), for the years ended Dec 31, 2025 and 2024. 2025 total revenue $47,884,344 comprises Recurring Revenue $45,605,509 and Franchise Fee Revenue $2,278,835. The Company reported a consolidated net loss of $(13,594,714) and an operating loss of $(10,200,434). Auditor firm name not present in extracted text (logo/signature not OCR'd); audit report dated March 12, 2026.

ⓘ These are the parent company's consolidated financials (the parent guarantees the franchisor), not this brand's standalone results — the figure reflects the whole corporate group, not this brand alone.

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: Yes

Score breakdown · what drove the 66 / 100 verdict

  1. 01HIGHAffiliate litigation (MaidPro) in Aug 2025 for franchise fee deferral violations suggests potential compliance issues across parent company's franchise portfolio
  2. 02MINORRoyalty floor of $1,500/month ($18K annually) is 1.75% of $1.02M break-even revenue — franchisees must hit significant volume to exceed floor
  3. 03MINORModest unit growth of 37.5% YoY on small base (22 units) — insufficient scale to validate system strength or sustainability
  4. 04MINORHigh initial investment ($100K-$193K) combined with non-transparent profitability creates asymmetric risk

Severity inferred from the FDD text · not a regulatory classification

Showing the headline figures — all 147 extracted fields are in the Full FDD Report · $19 →

Full litigation history from the FDD (Items 3 and 4) →

What are you signing up for?

Ongoing fees run about 7.0% of sales (royalty + ad fund), before rent and labor.

Initial term10 yrs
Renewal term10 yrs
TerritoryExclusive (favorable vs category)
Initial training60 hrs

Source: FDD 2026 · Items 11, 12, 17

FDD Items 12, 15, 17 · continued from Risk & Legal

Contract & Territory Detail

Initial term10 years
Renewal term10 years
Allowed renewalsℹ1
Territory typeExclusive territory
Protected territoryYes
Exclusive territoryℹYes
Territory population100,000
Online sales rightsℹRestricted
Franchisor can competeYes
Hire a manager?Allowed
Owner-operatorRequired
Non-compete (years)ℹ1 year
Right of first refusalℹYes
Transfer requires consentYes
Termination notice30 days
Curable defaultsℹ2
Mandatory arbitrationYes
Arbitration locationCleveland, Ohio
Jury trial waiverYes
Governing lawOH
Litigation count1
View Item 3 litigation summary

MaidPro Franchise LLC Consent Order with Securities Commissioner of Maryland (Case No. 2025-0075), $15,000 penalty for inadvertent violation of franchise fee deferral condition

Items 10, 11

Training & Operations

Classroom training
38 hrs
On-the-job training
22 hrs
Training location
Virtual and franchisee or other location
Ongoing training
Required
Time to open
4 mo
From signing to launch
Site selection
franchisee
Franchisor financing
Offered
Item 10

Items 5 & 11

Franchisor Support

✗Site selection assistance
✗Grand opening support
✗Lease negotiation help

Item 20 · call current owners

Franchisee Contacts

13 owners to call

Name · phone · city · state. Extracted from FDD Item 20

Unlock 13 contacts · $49
Free preview
(864) 376-••••SC
Unlock all 13 contacts
(317) 456-••••IN
(919) 247-••••NC
(214) 236-••••TX
(501) 681-••••TX

Frequently asked questions

Frequently Asked Questions

How much does it cost to open a Heating + Air Paramedics franchise?

The total investment to open a Heating + Air Paramedics franchise ranges from $101K – $193K, with an initial franchise fee of $40K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).

What do Heating + Air Paramedics franchise owners earn?

According to Item 19 of the Heating + Air Paramedics FDD, the average gross sales per unit is $1.9M. The median is $1.7M. Important context: Averaged per franchisee, not per outlet - not comparable with per-outlet figures. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.

Who owns Heating + Air Paramedics?

Heating + Air Paramedics is franchised by PHP Franchise, LLC. Its parent company is Threshold Brands, LLC. The ultimate parent named in the FDD is HS Group Holding Company, LLC. Source: FDD Item 1, 2026 filing.

What is Item 19 in the Heating + Air Paramedics 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 Heating + Air Paramedics FDD and qualifies whose outlets they describe.

What is Heating + Air Paramedics's franchise failure rate?

SBA 7(a) loan charge-off data is not available for Heating + Air Paramedics (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 Heating + Air Paramedics franchise locations are there?

As of their most recent FDD filing, Heating + Air Paramedics has 22 total units in the United States, including 22 franchised units and 0 company-owned units. 7 new units were opened in the latest reporting year.

Is Heating + Air Paramedics a good franchise to buy?

FranchiseVerdict rates Heating + Air Paramedics as a B-grade franchise with a verdict score of 66 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?

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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.