Our Town America Franchise Cost, Revenue & Review 2026
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 $122K – $199K. The 2024 FDD does not disclose unit-level revenue (no Item 19). FranchiseVerdict grade: C (Average), an editorial assessment, not investment advice. Run a live ROI scan →
Data last verified · figures per the 2024 FDD issuance
Overview
- Investment
- $122K – $199K
- 42nd pct Business Serv…
- Avg gross sales
- N/A
- Royalty
- N/A
- Units
- 6
- 14th pct Business Serv…
- SBA charge-off
- N/A
Quick verdict · Business Services · color = vs category peers
Green = favorable by >10% vs Business Services avg · 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 $122K – $199K.
- RETURNSFY2023 audited Statement of Operations: Total Revenue $6,126,371 = Sales-Franchisee Income $3,011,668 + Sales-Other $3,114,703. Net loss of $737,663 for FY2023.
- RISKVerdict C (Average), verdict score 41/100 (higher is better).
- DATANo 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
Corporate structure & franchisor financials
- Legal entity
- Our Town America, A Franchising Corporation
- Parent company
- None
- 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 42% below the typical business services franchise.
Source: FDD 2024 · Items 5–7
Full Item 7 breakdown10 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
- Middle of category vs category
- Liquid capital req'd
- $18K – $83K
- Top 40% of category vs category
- Franchise fee
- N/A
- Paid to franchisor at signing
- Royalty
- No royalty paid by regional developers to franchisor. Fra…
- Ad fund
- No advertising fund required for regional developers.
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Training fee | $250 |
| Transfer fee | $7K |
| Renewal fee | $3K |
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
Our Town America did not disclose financial performance in FDD Item 19. The ROIC and return models require Item 19 revenue. Without it all inputs are estimates. You can still run the calculator with your own assumptions by entering an expected revenue figure.
Returns model · single-unit ROIC
What would one Our Town America unit return on the cash you put in?
Unlevered ROIC · per unit
Estimated return on your total franchise investment, before any debt financing.
50%
Within the 30–60% "attractive franchise" band
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
FY2023 audited Statement of Operations: Total Revenue $6,126,371 = Sales-Franchisee Income $3,011,668 + Sales-Other $3,114,703. Net loss of $737,663 for FY2023.
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Disclosure
Franchisor chose not to disclose financial performance representations. You will need to gather unit economics directly from existing franchisees.
Operator retention
Net unit growth roughly flat at 0.0%.
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 averages
How Our Town America Compares
Is the system healthy?
Source: FDD 2024 · Item 20
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 (3-yr)
- +0.0%
- Net unit change over 3 years
- 3-yr CAGR
- +0.0%
- Compounded over last 3 years
3-year detail · Item 20
- Opened (3yr)
- 0
- Closed (3yr)
- 0
- Terminated (3yr)
- 0
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 0
- Reacquired (3yr)
- 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
- N/A
- limited sample (5 loans) — rate not shown below 10
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- N/A
- 5-yr charge-off
- N/A
- 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
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)
One action: Maryland Division of Securities Consent Order (2007) for selling a franchise after registration expired; matter resolved, franchise rescinded and fees 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: No
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 41 / 100 verdict
- 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
What are you signing up for?
Source: FDD 2024 · Items 11, 12, 17
FDD Items 12, 15, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 5 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 1 |
| Territory type | protected |
| 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
One action: Maryland Division of Securities Consent Order (2007) for selling a franchise after registration expired; matter resolved, franchise rescinded and fees refunded.
Items 10, 11
Training & Operations
- Classroom training
- 16 hrs
- On-the-job training
- 0 hrs
- Training location
- Clearwater, Florida
- 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
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. 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 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 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 C-grade franchise with a verdict score of 41 out of 100 (higher is better), 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.
For franchisors
Are you the franchisor?
If you represent Our Town America, you can request corrections or provide updated information.
Other Business Services franchises
Compare similar franchise opportunities in the Business Services category
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.