MarbleLife Franchise Cost, Revenue & Review 2026
- Investment
- $85K – $230K
- Disclosed sales
- partial, no system average
- SBA charge-off
- 25.0%
- on 19 loans
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
MarbleLife is a stone care franchise restoring, polishing, and sealing marble, granite, tile, and terrazzo surfaces. Franchisees run local operations, serving residential and commercial clients and managing crews and scheduling.
FranchiseVerdict summary · 2026
A MarbleLife franchise requires a total initial investment of $85K – $230K, including a $30K franchise fee and an ongoing 6.0% royalty[2]. The 2022 FDD on file does not yield a unit-revenue figure we can publish. SBA 7(a) loans show a 25.0% charge-off rate across 19 loans[1]. FranchiseVerdict grade: D (Below 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: high - issued more than two years ago
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 scored5 of 5 headline figures on this page cite a page of the filing.
Overview
- Investment
- $85K – $230K
- 25th pct Cleaning & Ma…
- Avg gross sales
- N/A
- Royalty
- 6.0%
- 14th pct Cleaning & Ma…
- Units
- 41
- 38th pct Cleaning & Ma…
- SBA charge-off
- 25.0%
- % of SBA 7(a) loans not repaid · median varies by category
Quick verdict · Cleaning & Maintenance · color = vs category peers
Green = favorable by >10% vs Cleaning & Maintenance 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 $85K – $230K including a $30K franchise fee, 6.0% ongoing royalty.
- RETURNSItem 19 reports outlet revenue, but not in a form that yields a per-outlet average we can compare across brands.
- RISKVerdict D (Below average), verdict score 30/100 (higher is better). SBA loan charge-off rate of 25.0% across 19 loans (well above the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- GROWTHPositive: net +1 franchised outlets in the latest year (5 opened, 4 closed); 2 signed but not yet open (Item 20).
- GROWTHSystem growing at 20.6% CAGR over 3 years with 41 total units. Strong expansion trajectory.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- Marblelife, Inc.
- CEO title
- Chairman of Board, Chief Executive Officer
- G. Edmond Williams
- CEO experience
- 1993 yrs
- Years in role or industry
- Founder active
- Yes
- Original founder still leading the business
- Incorporated in
- TX
- HQ
- 2800 W. Airport Blvd., Sanford, Florida 32771
- Auditor
- Goodfellow & Company, CPA, Inc.
- Audited financials
- Franchisor revenue
- $637K
- vs $1.0M prior year
Overview
About
- CEO
- G. Edmond Williams
- Headquarters
- FL
- Founded
- 1997
- FDD year
- 2022
- States available
- 22
Can you afford it, and what does the money buy?
Entry cost is about typical for a cleaning & maintenance franchise (near the category median).
Source: FDD 2022 · Items 5–7
Full Item 7 breakdown12 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Feenot refundable | $30K | $59K | |
| Computer, Software and Office Equipment | $1K | $2K | |
| Initial Equipment and Inventory | $28K | $99K | |
| Web & Cloud Server Plan Initial Set-up Fee | $625 | $625 | |
| Rent (three months) | $600 | $1K | |
| Van or Truck | $10K | $32K | |
| Decal or wrap (per vehicle) | $1K | $3K | |
| Insurance (three months) | $3K | $3K | |
| Licenses | $0 | $2K | |
| Pre-Opening and Opening Advertising | $2K | $4K | |
| Travel and Living Expenses While Training | $1K | $4K | |
| Additional Funds (three months) | $8K | $20K | |
| Total initial investment | $85K | $230K |
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
- $85K – $230K
- Top 40% of category vs category
- Liquid capital req'd
- $8K – $20K
- Top 40% of category vs category
- Franchise fee
- $30K
- Top 40% of category vs category
- Royalty
- 6.0%
- Tiered by sales volume · typical 6–8%
- Ad fund
- 2.0%
- typical 3–5%
- Total fee load
- 8.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 6.0% of gross sales |
| Marketing / ad fund | 2.0% |
| Technology fee | $350 |
| Transfer fee | $8K |
| Renewal fee | $20 |
| Inventory (initial) | $28K – $99K |
| Total fee load | 8.0% of rev |
What do units actually make?
Source: FDD 2022 · Item 19
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
No Item 19 revenue figure for MarbleLife is on file. The return models need a revenue figure to start from, and the operating costs that turn gross sales into a profit are in no FDD. Enter your own and the calculator runs on your assumptions — nothing here is modelled until you do.
Returns model · single-unit ROIC
What would one MarbleLife unit return on the cash you put in?
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.
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 annual revenue, 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.
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: 2022 FDD
Financial Performance
- Item 19 type
- gross receipts by segment
- Sample size
- 34
- vs category median 32
- Reporting year
- 2021
- Fiscal year the figures cover
- Source filing
- FDD 2022
- Disclosed in the 2022 filing, covering 2021
- Transparency
- 3 / 10
- vs category median 4 / 10 · below
Compared against 191 Cleaning & Maintenance brands
Item 19 · by group
What the filing does disclose
Item 19 of this FDD reports performance in more than one group. We publish no single average for this brand; the groups the filing does disclose are listed below, quoted from its own Item 19 table.
Each row below is quoted from the FDD's own Item 19 table. Gross sales are not profit.
Item 19 detail
business model
| Segment | Sample | Avg |
|---|---|---|
| 0-Bolt-On | — | $182K |
| 1-Man | — | $168K |
| 2-Sales-Plus | — | $275K |
| 3-Building-A-Business | — | $439K |
| 4-GM | — | $575K |
all units
| Segment | Sample | Avg |
|---|---|---|
| Total US | 34 | — |
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Fee burden
Total ongoing fee load of 8.0% (near the Cleaning & Maintenance median).
Disclosure
Item 19 reports outlet revenue, but not in a form that yields a per-outlet average we can compare across brands.
Operator retention
System expanding at 20.6% CAGR over 3 years across 41 units — operators are staying and new ones are joining.
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 Cleaning & Maintenance medians
How MarbleLife Compares
Category median of published Cleaning & Maintenance 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?
Source: FDD 2022 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 41
- Opened
- 5
- Last reporting year
- Closed
- 4
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 9.8%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (3-yr)
- +20.6%
- Net unit change over 3 years
- 3-yr CAGR
- +20.6%
- Compounded over last 3 years
Last fiscal year · Item 20 exits and transfers
- Terminated
- 0
- Not renewed
- 0
- Transferred
- 0
- Reacquired
- 0
- Franchisor bought back
- Signed, not yet open
- 2
- 0.05 per open outlet · Item 20 Table 5
- Projected new
- 6
- Franchisor's next-year forecast
- Ceased ops
- 9.8%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
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.
Where the owners are · Item 20 owner list
34 current owners across 18 states.
- FL 6
- TX 5
- CA 3
- KY 3
- MN 2
- OH 2
- PA 2
- AL 1
- CO 1
- GA 1
- LA 1
- MA 1
- +6 more states
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.
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 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 19
- Loan volume
- $1.7M
- Median loan
- $60K
- 50th percentile
- Charge-off rate
- 25.0%
- on 19 loans · 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)
- 75.0%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 15
- Defaults
- 4
- Typical loan rate
- 7.2%
- avg rate to borrowers
- vs industry
- 25.0%
- brand is above its industry ↑
- Jobs supported
- 37
- 2.2 per loan
- Lender concentration
- 21%
- top lender's share
Borrower mix: 71% went to startups / new businesses, 29% to established operators
Top lenders financing MarbleLife franchisees
Showing 3 of 15 lenders. The full breakdown — every lender, state distribution, interest rates & risk ratings — is in the SBA Lending Report below.
Explore lender portfolios on Bank Reports or regional data on State Reports.
Lender network · 7(a) + 504
SBA Lending Report
Full lending analysis for MarbleLife from SBA 7(a) FOIA data.
- Principal loss rate
- 9.4%
- Avg SBA guarantee
- 78%
- Avg interest rate
- 7.21%
- Avg chargeoff amount
- $39K
- Lender concentration
- 21.1%
- Job velocity
- 2.2 per $100K
- NAICS benchmark
- 25.0%
- NAICS 238140
- Jobs supported
- 37
Top SBA lendersTop lender holds 21% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | United Midwest Savings Bank National Association | 4 | $566K | 0.0% |
| 2 | Simmons Bank | 2 | $23K | 0.0% |
| 3 | Manufacturers and Traders Trust Company | 1 | $50K | 0.0% |
| 4 | Truist Bank | 1 | $55K | 0.0% |
| 5 | Readycap Lending, LLC | 1 | $46K | 100.0% |
| 6 | Wells Fargo Bank National Association | 1 | $40K | 0.0% |
| 7 | HSBC Bank USA National Association | 1 | $60K | 100.0% |
| 8 | AmSouth Bank | 1 | $86K | 0.0% |
| 9 | International Bank of Commerce | 1 | $50K | 100.0% |
| 10 | First-Citizens Bank & Trust Company | 1 | $117K | 0.0% |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| TXTexas | 3 | 1 | 50.0% |
| ARArkansas | 2 | 0 | 0.0% |
| FLFlorida | 2 | 0 | 0.0% |
| NYNew York | 2 | 1 | 100.0% |
| VAVirginia | 2 | 0 | 0.0% |
| INIndiana | 1 | 0 | 0.0% |
| MDMaryland | 1 | 0 | 0.0% |
| NDNorth Dakota | 1 | 0 | 0.0% |
| NHNew Hampshire | 1 | 1 | 100.0% |
| NJNew Jersey | 1 | 1 | 100.0% |
SBA 7(a) lending trend
Borrower profile
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
A 25.0% charge-off rate means roughly 1 in 4 franchisees failed to repay their SBA loan. Investigate what changed.
What could kill this investment?
SBA loans charge off at 25.0% — 56% above the 16.0% national norm, i.e. higher lender-observed risk.
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
Litigation (Item 3)
Subject: officers or affiliates. The franchisor is not a named party in these cases.
No litigation required to be disclosed
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Goodfellow & Company, CPA, Inc.
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Exhibit F contains only UNAUDITED interim statements: balance sheet as of Dec 31, 2021 and P&L for Apr 1 - Dec 31, 2021 (9-month period). Statements carry the explicit notice that no CPA audited the figures. Total Income $637,290.98 (driven by $553,421.06 royalties); Other Income $34,742.00. Item 21 references audited FY-end March 31 2021/2020/2019 statements but those are NOT included in this document's text.
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: No
Score breakdown · what drove the 30 / 100 verdict
- 01MINORMinimal unit growth (2.5% YoY) suggests market saturation or franchisee dissatisfaction
- 02MEDNo average net income disclosed — unable to validate ROI on $84,841–$229,575 investment
- 03MINORUnprotected territory creates direct competition risk between franchisees
- 04MINORAverage revenue of $359,037 yields only $17,952–$21,542 annual royalties, potentially insufficient to support franchisee profitability
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 8.0% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2022 · Items 11, 12, 17
FDD Items 12, 15, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 10 years |
|---|---|
| Renewal term | 10 years |
| Allowed renewalsℹ | 1 |
| Territory type | No territory protection |
| Protected territory | No |
| Exclusive territoryℹ | No |
| Territory population | 400,000 |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 10 mi |
| Right of first refusalℹ | Yes |
| RoFR response window | 60 days |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Arbitration location | Dallas, Texas |
| Jury trial waiver | Yes |
| Governing law | TX |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation required to be disclosed
Items 10, 11
Training & Operations
- Classroom training
- 38 hrs
- On-the-job training
- 45 hrs
- Training location
- Sanford, Florida
- Ongoing training
- Required
- Field support
- 45 hrs/yr
- On-site visits per year
- Site selection
- franchisee with franchisor approval
- Franchisor financing
- Not offered
- Item 10
- POS system
- QuickBooks
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: QuickBooks
Item 20 · call current owners
Franchisee Contacts
34 owners to call
Name · phone · city · state. Extracted from FDD Item 20
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a MarbleLife franchise?
The total investment to open a MarbleLife franchise ranges from $85K – $230K, with an initial franchise fee of $30K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do MarbleLife franchise owners earn?
Item 19 of the MarbleLife FDD discloses figures for part of the system but no single average across all outlets. These are gross sales figures, not profit; the Revenue section shows what the filing reports and on what basis. Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
Who owns MarbleLife?
MarbleLife is franchised by Marblelife, Inc.. The FDD names no parent company. Source: FDD Item 1, 2022 filing.
What is Item 19 in the MarbleLife 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 MarbleLife FDD and qualifies whose outlets they describe.
What is MarbleLife's franchise failure rate?
Based on SBA 7(a) loan data, MarbleLife has a charge-off rate of 25.0% across 19 loans, meaning 25.0% of franchise loans were charged off. Charge-off rates are one proxy for franchise risk, though they do not capture all closures. This data comes from FOIA-sourced SBA lending records.
How many MarbleLife franchise locations are there?
As of their most recent FDD filing, MarbleLife has 41 total units in the United States, including 41 franchised units and 0 company-owned units. 5 new units were opened in the latest reporting year.
Is MarbleLife a good franchise to buy?
FranchiseVerdict rates MarbleLife as a D-grade franchise with a verdict score of 30 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.