Just Love Coffee & Café
Bottom line
- Total investment $495K – $760K including a $39K franchise fee, 6.0% ongoing royalty.
- Average unit revenue of $521K/year (median $488K).
- Rated STRONG with a risk score of 47/100.
- 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 Just Love Coffee & Café unit return on the cash you put in?
Unlevered ROIC · per unit
8%
Below typical band (30–60%)
Levered LBO scenario · Yale Crease Capital framing
What would 25 Just Love Coffee & Café units return on equity?
Equity IRR · 5-yr
49.9%
7.57× MOIC
Year-1 DSCR
1.88×
EBITDA ÷ debt service
Equity required
$313K
on $1.6M purchase
Total debt
$1.3M
SBA $0.8M + senior + seller note
Overview
About
Franchisees operate coffee café locations serving specialty beverages, pastries, and light food items to walk-in and regular customers. Day-to-day responsibilities include managing baristas and café staff, inventory/ordering, customer service, point-of-sale operations, and maintaining brand standards across 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 · 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 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.
No SBA loan data available for this brand.
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Moderate-risk coffee café franchise with healthy growth but critical lack of net income transparency and high capital requirement relative to revenue disclosure.
Score breakdown · what drove the 47 / 100 rating
- 01MEDNet income not disclosed in FDD Item 19 — impossible to assess true profitability despite $521k average revenue
- 02MINORHigh initial investment ($494.5k-$759.5k) with no transparent profit data creates ROI uncertainty
- 03MINORModest unit growth (18.6% YoY) is healthy but small system (53 units) lacks scale and resilience
- 04MED6% royalty + undisclosed operating costs may compress margins significantly on $521k average revenue
- 05MINORNo financial performance representation limits ability to validate franchisee earnings claims
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
32 numbers
One-time purchase · CSV download · Validation questions included
FDD download
Just Love Coffee & Café · FDD (2025) PDF