Our Town America Franchise Cost, Revenue & Review 2026
- Investment
- $64K – $88K
- Disclosed sales
- not disclosed
- SBA charge-off
- Under 10 loans (5)
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
Our Town America is a direct-mail marketing franchise that sends welcome packages with local business offers to new movers. Franchisees run local operations, selling advertising and managing mailings and accounts.
FranchiseVerdict summary · 2026
A Our Town America franchise requires a total initial investment of $64K – $88K, including a $48K franchise fee and an ongoing 5.0% royalty[2]. This franchisor makes no financial performance representation in Item 19 of its FDD. Item 19 is voluntary under the FTC Franchise Rule, and this filing states that it makes none, so no revenue or earnings figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that. FranchiseVerdict grade: C (Average), an editorial assessment, not investment advice. Run a live ROI scan →
Sources, dates and evidence
FDD issued: 2024 filing · Data extracted: · Last cited check: · Staleness risk: high - figures are from a filing two or more years old
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
- $64K – $88K
- 19th pct Business Serv…
- Avg gross sales
- N/A
- Royalty
- 5.0%
- 5th pct Business Serv…
- Units
- 43
- 34th pct Business Serv…
- SBA charge-off
- N/A
Quick verdict · Business Services · color = vs category peers
Green = favorable by >10% vs Business Services 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 $64K – $88K including a $48K franchise fee, 5.0% ongoing royalty.
- RETURNSThis franchisor makes no financial performance representation in Item 19 of its FDD. Item 19 is voluntary under the FTC Franchise Rule, and this filing states that it makes none, so no revenue or earnings figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that.
- RISKVerdict C (Average), verdict score 44/100 (higher is better).
- GROWTHNegative: net -1 franchised outlets in the latest year (0 opened, 0 closed) (Item 20).
- DATAThis franchisor makes no financial performance representation in Item 19 of its FDD. Item 19 is voluntary under the FTC Franchise Rule, and this filing states that it makes none, so no revenue or earnings figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that. Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- Our Town America, A Franchising Corporation
- Predecessor
- Our Town, Inc.
- Prior franchisor entity
- 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
- CEO
- Michael Plummer, Jr.
- Headquarters
- FL
- Founded
- 2004
- FDD year
- 2024
- States available
- 6
Can you afford it, and what does the money buy?
Entry cost runs 43% below the typical business services franchise.
Source: FDD 2024 · Items 5–7
published investment is a single Our Town America new-mover direct mail marketing business. The franchisor also offers a regional-development grant under a separate FDD (Our_Town_America_NASAA_431890.pdf, 2024): fee $100,000, estimated initial investment $122,250-$199,200; that offering is not priced on this page.
Full Item 7 breakdown12 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Fee(1) | $48K | $48K | |
| Real Estate/Rent(2) | $0 | $450 | |
| Leasehold Improvements(3) | $0 | $300 | |
| Equipment and Supplies(4) | $600 | $4K | |
| Starter Kit | $450 | $450 | |
| Software | $549 | $549 | |
| Vehicle Lease Payments(5) | $0 | $700 | |
| Insurance(6) | $250 | $750 | |
| Training Expenses(7) | $2K | $4K | |
| Legal and Accounting(8) | $1K | $3K | |
| Miscellaneous(9) | $250 | $1K | |
| Additional Funds – 3 months(10) | $12K | $25K | |
| Total initial investment | $64K | $88K |
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
- $64K – $88K
- Top 40% of category vs category
- Liquid capital req'd
- $12K – $25K
- Top 40% of category vs category
- Franchise fee
- $48K – $48K
- Top 40% of category vs category
- Royalty
- 5.0%
- Set by a formula · typical 6–8%
- Ad fund
- 1.0%
- typical 3–5%
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 5.0% of gross sales |
| Marketing / ad fund | 1.0% |
| Training fee | $250 |
| Transfer fee | $7K |
| Renewal fee | $3K |
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
Our Town America makes no financial performance representation in Item 19 of its FDD - a voluntary item under the FTC Franchise Rule - so no unit revenue figures are disclosed. 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 Our Town America 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: 2024 FDD
Financial Performance
No financial performance representation
This franchisor makes no financial performance representation in Item 19 of its FDD. Item 19 is voluntary under the FTC Franchise Rule, and this filing states that it makes none, so no revenue or earnings figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that.
Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Fee burden
5.0% royalty + 1.0% ad fund — lower than the category average.
Disclosure
This franchisor makes no financial performance representation in Item 19 of its FDD. Item 19 is voluntary under the FTC Franchise Rule, and this filing states that it makes none, so no revenue or earnings figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that. Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
Operator retention
System roughly stable (0.0% 3-year CAGR) with 43 units.
Multi-unit rate
33% of franchisees own multiple units, a moderate multi-unit rate.
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 Business Services medians
How Our Town America Compares
Category median of published Business Services 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 2024 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 43
- 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
- N/A
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Multi-unit owners
- 33.3%
- Net growth (3-yr)
- +0.0%
- Net unit change over 3 years
- 3-yr CAGR
- +0.0%
- 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
- 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
- Under 10 loans (5)
- Insufficient SBA coverage: 5 loans, rate hidden below 10
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- Under 10 loans (5)
- 5-yr charge-off
- Under 10 loans (5)
- Loans approved 2021+
- Active lenders
- 4
- Defaults
- N/A
Explore lender portfolios on Bank Reports or regional data on State Reports.
What could kill this investment?
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.
The only disclosed matter is a 2007 Maryland Division of Securities consent order (Case No. 2006-0686) arising from the sale of a franchise after the franchisor's Maryland registration expired, with a $15,000 initial fee not placed in the required escrow. Under the consent order the franchisor re-registered in Maryland, offered the franchisee rescission and enrolled an officer in a compliance program; the sale was rescinded and all monies refunded.
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)
Our Town America, A Franchising Corporation (the franchisor itself), fiscal year ended December 31, 2023, audited by Lowery, Weldon & Company, CPAs, P.A. (balance sheets 2023 and 2022 with statements of operations, changes in stockholders' equity and cash flows); an unaudited balance sheet and statement of operations for the three months ended March 31, 2024 are also attached.
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 44 / 100 verdict
- 01MINOROnly 6 units in system with unknown growth trajectory suggests stagnant or declining franchise network
- 02MINOR2007 Securities violation involving expired registration and forced rescission indicates compliance/governance weakness
- 03MEDNo disclosed royalty rate is unusual transparency gap in FDD and suggests potential hidden costs
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 6.0% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2024 · 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 | Protected territory |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Territory population | 2,500 |
| Online sales rightsℹ | 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 | 3 |
| Mandatory arbitration | Yes |
| Arbitration location | Tampa, Florida |
| Jury trial waiver | Yes |
| Governing law | FL |
| Litigation count | 1 |
View Item 3 litigation summary
The only disclosed matter is a 2007 Maryland Division of Securities consent order (Case No. 2006-0686) arising from the sale of a franchise after the franchisor's Maryland registration expired, with a $15,000 initial fee not placed in the required escrow. Under the consent order the franchisor re-registered in Maryland, offered the franchisee rescission and enrolled an officer in a compliance program; the sale was rescinded and all monies refunded.
Items 10, 11
Training & Operations
- Classroom training
- 28 hrs
- On-the-job training
- 40 hrs
- Training location
- Florida headquarters (Clearwater) for classroom; franchisee's Market Area for on-the-job
- Ongoing training
- Required
- Time to open
- 2 mo
- From signing to launch
- Site selection
- Franchisee (home office or leased space in Granted Territory)
- Franchisor financing
- Not offered
- Item 10
Items 5 & 11
Franchisor Support
Item 20 · call current owners
Franchisee Contacts
7 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 Our Town America franchise?
The total investment to open a Our Town America franchise ranges from $64K – $88K, with an initial franchise fee of $48K. 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 makes no financial performance representation in Item 19 of its FDD - a voluntary item under the FTC Franchise Rule - so no unit revenue figures are disclosed. Declining to publish one is lawful and is not evidence of how the outlets perform. It does mean that less about this brand can be verified from its filing, and the FranchiseVerdict grade - an editorial assessment, not investment advice - reflects that. Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
Who owns Our Town America?
Our Town America is franchised by Our Town America, A Franchising Corporation. The FDD names no parent company. Source: FDD Item 1, 2024 filing.
What is Item 19 in the Our Town America 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 Our Town America FDD and qualifies whose outlets they describe.
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 43 total units in the United States, including 43 franchised units and 0 company-owned units.
Is Our Town America a good franchise to buy?
FranchiseVerdict rates Our Town America as a C-grade franchise with a verdict score of 44 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
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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.