Jeff's Bagel Run
Formerly known as JBR Automotive
Bottom line
- Total investment $576K – $998K including a $30K franchise fee, 6.0% ongoing royalty.
- Average unit revenue of $1.2M/year. Estimated payback in 4.8 years.
- Rated STRONG with a risk score of 52/100. SBA loan default rate of 0.0% across 4 loans (below the industry average).
- Auditor disclosed a going-concern note — flagged doubt about the franchisor's ability to continue operations. Verify against the latest FDD.
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 Jeff's Bagel Run unit return on the cash you put in?
Unlevered ROIC · per unit
14%
Below typical band (30–60%)
Levered LBO scenario · Yale Crease Capital framing
What would 25 Jeff's Bagel Run units return on equity?
Equity IRR · 5-yr
49.9%
7.57× MOIC
Year-1 DSCR
1.88×
EBITDA ÷ debt service
Equity required
$701K
on $3.5M purchase
Total debt
$2.8M
SBA $1.8M + senior + seller note
Overview
About
Franchisees operate quick-service bagel shops serving fresh bagels, spreads, and complementary beverages to breakfast and lunch customers. Day-to-day operations include bagel production, customer service, inventory management, staffing coordination, and local marketing within 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 · 24 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
Early-stage bagel franchise with extreme unit growth, unverified financial claims, thin margins, and high capital requirements presents elevated risk despite no litigation or going concern issues.
Score breakdown · what drove the 52 / 100 rating
- 01MINORExplosive unit growth of 1300% YoY suggests either brand-new franchise system or unsustainable expansion; lack of historical data makes validation difficult
- 02MINORNet income of $162,392 on $1,168,032 revenue represents only 13.9% net margin — below industry standards for QSR bagel concepts, raising profitability sustainability questions
- 03MINORHigh investment range ($575K–$998K) combined with modest average net income creates 3.5–6.1 year breakeven timeline with no margin for error
- 04MEDOnly 25 units in system creates limited franchisee reference pool and suggests early-stage franchise with unproven scalability and support infrastructure
- 05MEDNo Item 19 (financial performance representations) disclosed; franchisor is not substantiating the $1.17M revenue and $162K net income claims with audited data
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
54 numbers
One-time purchase · CSV download · Validation questions included
FDD download
Jeff's Bagel Run · FDD (2026) PDF