Our Town AmericaFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A Our Town America franchise requires a total initial investment of $122K – $199K, including a $100K franchise fee. The 2024 FDD does not disclose unit-level revenue (no Item 19). Verdict grade: D. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2024 FDD issuance
Overview
- Investment
- $122K – $199K
- 36th pct Business Serv…
- Avg gross sales
- N/A
- 29th pct Business Serv…
- Royalty
- N/A
- Units
- 6
- 12th pct Business Serv…
- SBA default
- 20.0%
- system-wide median varies by category
Quick verdict · Business Services · color = vs category peers
Green = >15% above Business 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
Bottom line
- Total investment $122K – $199K including a $100K franchise fee.
- No Item 19 financial performance data disclosed. The franchisor chose not to publish revenue figures.
- Verdict D (Below Average) with a risk score of 74/100.
- No Item 19 financial performance representation. Without franchisor-disclosed revenue data, you'll need to gather unit economics directly from existing franchisees.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- OUR TOWN AMERICA, A FRANCHISING CORPORATION
- CEO title
- President
- Michael Plummer, Jr.
- Incorporated in
- FL
- HQ
- 13900 US 19 N, Clearwater, Florida 33764
- Auditor
- LOWERY, WELDON & COMPANY, CPAs, P.A.
- Audited financials
- Franchisor revenue
- $6.1M
- vs $7.0M prior year
Overview
About
Our Town America franchisees operate community-focused local media and events businesses, likely involving digital content creation, local advertising, event production, and community engagement services. Day-to-day operations typically include client account management, content production, event coordination, and local sales outreach.
- CEO
- Michael Plummer, Jr.
- Headquarters
- FL
- Founded
- 2004
- FDD year
- 2024
- States available
- 6
FDD Item 7 · 2024 filing · 10 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Feenot refundable | $100K | $100K | |
| Real Estate/Rent | $0 | $450 | |
| Leasehold Improvements | $0 | $500 | |
| Equipment and Supplies | $750 | $5K | |
| Vehicle Lease Payments | $0 | $700 | |
| Insurance | $250 | $750 | |
| Training Expenses | $3K | $5K | |
| Legal and Accounting | $1K | $3K | |
| Miscellaneous | $250 | $1K | |
| Additional Funds - 3 months | $18K | $83K | |
| Total initial investment | $122K | $199K |
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
- $122K – $199K
- Better than avg vs category
- Liquid capital req'd
- $18K – $83K
- Better than avg vs category
- Franchise fee
- $100K
- Near category avg vs category
- Royalty
- -n/d
- Ad fund
- -n/d
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Training fee | $250 |
| Transfer fee | $7K |
| Renewal fee | $3K |
Financial Performance
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
vs Business Services averages
How Our Town America Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 6
- Opened
- 0
- Last reporting year
- Closed
- 0
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 0.0%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Multi-unit owners
- 33.3%
- Net growth (yr3)
- +0.0%
- Net unit change last year
- 3-yr CAGR
- +0.0%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 0
- Projected new
- 0
- Franchisor's next-year forecast
- Continuity rate
- 100.0%
- Units that stayed open
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 12 · 6 states reported
The Territory Map
FDD Item 12 reports the state count, but the specific list isn't in our current data. The map will appear once we re-extract from the FDD or enough franchisee contacts are available.
6
states with franchisees (per FDD Item 12)
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
- $943K
- Median loan
- $100K
- 50th percentile
- Charge-off rate
- 20.0%
- 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)
- 80.0%
- 5-yr charge-off
- 50.0%
- Loans approved 2021+
- Active lenders
- 4
- Defaults
- 1
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into Our Town America's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 4 lenders with concentration factor
- Per-state charge-off rates across 5 states
- Startup risk premium and job creation velocity
- 4-year lending trend
Instant access. No subscription.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
A micro-franchise system with regulatory violation history, no financial transparency, and unclear growth prospects poses substantial risk for a $122k-$199k investment.
Litigation (Item 3)
Maryland Division of Securities Case No. 2006-0686 (February 23, 2007). Franchisor accepted $15,000 franchise fee after Maryland registration expired without placing funds in required escrow account. Consent Order required registration of disclosure document, provision of document to franchisee, rescission opportunity, and compliance training. Franchise was rescinded and all monies refunded.
Largest disclosed settlement: $15,000
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · LOWERY, WELDON & COMPANY, CPAs, P.A.
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: Yes
- Kickbacks from required suppliers: Yes
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
Score breakdown · what drove the 74 / 100 rating
- 01MINOROnly 6 units in system with unknown growth trajectory suggests stagnant or declining franchise network
- 02MEDNo disclosed average revenue or net income (no Item 19) prevents realistic ROI assessment on $122k-$199k investment
- 03MINOR2007 Securities violation involving expired registration and forced rescission indicates compliance/governance weakness
- 04MINORHigh franchise fee ($100,000) relative to system size and lack of performance data creates misaligned risk-reward
- 05MINOR5-year term is relatively short and may indicate franchisor uncertainty or historical franchisee dissatisfaction
- 06MEDNo disclosed royalty rate is unusual transparency gap in FDD and suggests potential hidden costs
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 | 5 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 1 |
| Territory type | Geographic area defined by zip codes |
| Protected territory | Yes |
| Territory population | 2,500 |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Not allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 10 mi |
| Right of first refusalℹ | Yes |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Curable defaultsℹ | 2 |
| Mandatory arbitration | Yes |
| Arbitration location | Tampa, Florida |
| Jury trial waiver | Yes |
| Governing law | Florida |
| Litigation count | 1 |
View Item 3 litigation summary
Maryland Division of Securities Case No. 2006-0686 (February 23, 2007). Franchisor accepted $15,000 franchise fee after Maryland registration expired without placing funds in required escrow account. Consent Order required registration of disclosure document, provision of document to franchisee, rescission opportunity, and compliance training. Franchise was rescinded and all monies refunded.
Items 10, 11
Training & Operations
- Classroom training
- 16 hrs
- On-the-job training
- 0 hrs
- Training location
- On-site and corporate
- Ongoing training
- Required
Items 5 & 11
Franchisor Support
Item 20 · call current owners
Franchisee Contacts
2 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Our Town America · FDD (2024) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Our Town America franchise?
The total investment to open a Our Town America franchise ranges from $122K – $199K, with an initial franchise fee of $100K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Our Town America franchise owners earn?
Our Town America does not disclose average franchise owner earnings in their FDD Item 19. Not all franchisors are required to make financial performance representations. We recommend asking existing franchisees directly about their financial experience.
What is Our Town America's franchise failure rate?
SBA 7(a) loan charge-off data is not available for Our Town America (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 Our Town America franchise locations are there?
As of their most recent FDD filing, Our Town America has 6 total units in the United States, including 6 franchised units and 0 company-owned units.
Is Our Town America a good franchise to buy?
FranchiseVerdict rates Our Town America as a D-grade franchise with a risk score of 74 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.