Insulation CommandosFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A INSULATION COMMANDOS franchise requires a total initial investment of $216K – $409K, including a $65K franchise fee. Per the 2025 FDD, average unit revenue was $1.4M[2]. Verdict grade: A. Run a live ROI scan →
Data last verified June 21, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $216K – $409K
- 72nd pct Home Services
- Avg gross sales
- $1.4M
- 39th pct Home Services
- Royalty
- N/A
- Units
- 33
- 34th pct Home Services
- SBA default
- 0.0%
- system-wide median varies by category
Quick verdict · Home Services · color = vs category peers
Green = >15% above Home 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 4.6x in gross revenue, well above the typical 1.5-2.5x range.
Started franchising in 2023. Newer systems carry more uncertainty but may offer better territories.
The franchisor's auditor raised doubt about continued operations. This is a serious risk signal.
109% cash-on-cash return (based on P&L Bottom Line). Above the 20% threshold most investors target.
Bottom line
- Total investment $216K – $409K including a $65K franchise fee.
- Average unit revenue of $1.4M/year, with an estimated 109% cash-on-cash return (based on P&L Bottom Line).
- Verdict A (Top Quintile) with a risk score of 16/100.
- 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
- Insulation Commandos Franchising, LLC
- Parent company
- Commando Holdings, LLC
- Incorporated in
- DE
- HQ
- 219 Industrial Drive, Suite B, Clarksville, Tennessee 37040
- Auditor
- DA Advisory Group
- Audited financials
- Franchisor revenue
- $81K
- vs $1.1M prior year
- ⚠ Going-concern note
- Disclosed in FDD 2025
- Auditor flagged doubt about continued operations. Verify against the latest FDD before deciding.
Affiliated brands
- Commando IP
- currently offer
Other brands the franchisor or its parent operates (Item 1).
Overview
About
Insulation Commandos franchisees operate residential and commercial insulation installation services, managing crews to assess properties, recommend insulation solutions (fiberglass, blown-in, spray foam, etc.), and execute installations. Day-to-day work involves job scheduling, customer consultations, team supervision, quality control, and account management in a local service territory.
- CEO
- Dustin Ingle
- Headquarters
- TN
- Founded
- 2023
- FDD year
- 2025
- States available
- 8
FDD Item 7 · 2025 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $65K | $65K |
| Working capital (3–6 mo) | $50K | $80K |
| Equipment, build-out, other | $101K | $264K |
| Total initial investment | $216K | $409K |
Source: INSULATION COMMANDOS 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
$174K
12.0% margin
Unlevered ROIC
46%
EBITDA / total invested capital
Payback
26 mo
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $216K – $409K
- Below avg, review vs category
- Liquid capital req'd
- $50K – $80K
- Below avg, review vs category
- Franchise fee
- $65K – $65K
- Below avg, review vs category
- Royalty
- greater of: (a) 6% of Gross Sales or (b) the applicable m…
- Ad fund
- 1.0%
- typical 3–5%
- Total fee load
- 7.0%
- vs 9–13% typical
- Payback period
- 0.9 yrs
- From FDD / Item 19
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Marketing / ad fund | 1.0% of gross sales |
| Technology fee | $250 |
| Transfer fee | $10K |
| Renewal fee | $5K |
| Total fee load | 7.0% of rev |
Financial Performance
- Avg gross sales
- $1.4M
- Per unit, per year
- Median gross sales
- N/A
- Avg p&l bottom line
- $340K
- Reported as P&L Bottom Line in FDD Item 19
- Cash-on-cash
- 108.9%
- Based on P&L Bottom Line / investment midpoint
- Item 19 type
- Historical
- Sample size
- 1 units
- vs category median 25 · small
- Range (low → high)
- $1.4M→$1.4M
- Cohort dispersion (min → max)
- Reporting year
- 2024
- Fiscal year the figures cover
- Transparency
- 9 / 5
- vs category median 4 / 5 · above
Compared against 349 Home Services brands
Revenue is 4.6x the investment midpoint. At typical franchise margins, this suggests a payback under 3 years.
vs Home Services averages
How Insulation Commandos Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 33
- Opened
- N/A
- Last reporting year
- Closed
- 4
- Turnover rate
- 12.1%
- Company-owned
- 1
- Corporate units in the system
- % franchised
- 97%
- vs corporate-owned
3-year detail · Item 20
- Opened (3yr)
- 31
- Closed (3yr)
- 0
- Terminated (3yr)
- 0
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 0
- Reacquired (3yr)
- 0
- Franchisor bought back
Last reporting year only, multi-year history not disclosed in this brand's FDD.
Item 20 · 18 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.
Available to sell in · Item 12
- Hawaii
- Michigan
- New York
States where the franchisor is registered to sell new franchises (FDD registration filings).
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA loan disclosures. This brand has only 5 7(a) loans on file; statistical reliability is limited below 10 loans.
- Total loans
- 5
- Loan volume
- $1.5M
- Median loan
- $350K
- 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
- 2
- Defaults
- 0
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into Insulation Commandos's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 2 lenders with concentration factor
- Per-state charge-off rates across 5 states
- Startup risk premium and job creation velocity
- 2-year lending trend
Instant access. No subscription.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Insulation Commandos presents moderate-to-high risk due to explosive unsustainable growth metrics, lack of transparent financial performance disclosures, and high capital requirements relative to verifiable profitability claims.
Litigation (Item 3)
0 case reference(s): 0 pending, 0 settled.
Largest disclosed settlement: $2
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · DA Advisory Group⚠ Going-concern note flagged
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: No
- Must buy proprietary products: No
- Restricted to system-approved products: No
Score breakdown · what drove the 16 / 100 rating
- 01MINORExplosive unit growth of 3100% YoY suggests either newly launched franchise system or severe data anomaly — growth this extreme is unsustainable and indicates instability
- 02MINORHigh initial investment range ($215k-$408k) combined with 6% royalty (or minimum monthly fee) creates significant breakeven burden for new franchisees
- 03MINORWide investment range ($193k spread) suggests inconsistent territory valuations and unclear cost structure — lack of transparency on what drives costs
- 04MEDMinimum royalty structure not disclosed — if monthly minimum is high, could create cash flow pressure for early-stage locations
- 05MEDNo Item 19 financial performance representations in FDD — $340k avg net income cannot be independently verified against disclosed figures
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 | 10 years |
|---|---|
| Renewal term | 10 years |
| Allowed renewalsℹ | 2 |
| Territory type | Population-based |
| Protected territory | Yes |
| Territory sizeℹ | 400,000 people |
| 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 |
| Termination groundsℹ | 2 |
| Mandatory arbitration | Yes |
| Jury trial waiver | Yes |
| Governing law | Tennessee |
| Litigation count | 0 |
View Item 3 litigation summary
0 case reference(s): 0 pending, 0 settled.
Items 10, 11
Training & Operations
- Classroom training
- 48 hrs
- On-the-job training
- 16 hrs
- Training location
- On-site and corporate
- POS system
- CRM Software Platform
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: CRM Software Platform
Item 20 · call current owners
Franchisee Contacts
22 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
INSULATION COMMANDOS · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a INSULATION COMMANDOS franchise?
The total investment to open a INSULATION COMMANDOS franchise ranges from $216K – $409K, with an initial franchise fee of $65K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do INSULATION COMMANDOS franchise owners earn?
According to Item 19 of the INSULATION COMMANDOS FDD, the average gross sales per unit is $1.4M. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is INSULATION COMMANDOS's franchise failure rate?
SBA 7(a) loan charge-off data is not available for INSULATION COMMANDOS (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 INSULATION COMMANDOS franchise locations are there?
As of their most recent FDD filing, INSULATION COMMANDOS has 33 total units in the United States, including 0 franchised units and 1 company-owned units.
Is INSULATION COMMANDOS a good franchise to buy?
FranchiseVerdict rates INSULATION COMMANDOS as a A-grade franchise with a risk score of 16 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.
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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.