RNR Tire ExpressFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A RNR Tire Express franchise requires a total initial investment of $712K – $1.7M, including a $45K franchise fee and an ongoing 5.0% royalty[2]. Per the 2025 FDD, average unit revenue was $1.8M[2]. SBA 7(a) loans show a 0.0% charge-off rate across 14 loans[1]. Verdict grade: A. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $712K – $1.7M
- 40th pct Retail
- Avg gross sales
- $1.8M
- 19th pct Retail
- Royalty
- 5.0%
- 6th pct Retail
- Units
- 200
- 32nd pct Retail
- SBA default
- 0.0%
- system-wide median varies by category
Quick verdict · Retail · color = vs category peers
Green = >15% above Retail 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
Only 0.0% of 14 SBA loans charged off, well below the 16% franchise average.
Franchised units fell from 176 to 155 over 3 years. Investigate why operators are leaving.
19% cash-on-cash return (based on P&L Bottom Line). Within the 15-30% range most franchise investors consider acceptable.
Bottom line
- Total investment $712K – $1.7M including a $45K franchise fee, 5.0% ongoing royalty.
- Average unit revenue of $1.8M/year (median $1.7M), with an estimated 19% cash-on-cash return (based on P&L Bottom Line).
- Verdict A (Top Quintile) with a risk score of 8/100. SBA loan charge-off rate of 0.0% across 14 loans (well below the franchise average, based on all SBA 7(a) franchise lending, 2010–2024).
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- SPF Mgt. Co., LLC
- Ultimate parent
- None disclosed
- CEO title
- CEO
- Adam B. Sutton
- CEO experience
- 1999 yrs
- Years in role or industry
- Founder active
- Yes
- Original founder still leading the business
- Incorporated in
- FL
- HQ
- 13922 Monroe’s Business Park, Tampa FL 33635
- Auditor
- Rivero, Gordimer & Company, P.A.
- Audited financials
- Franchisor revenue
- $11.7M
- vs $12.3M prior year
- Management churn noted
- Frequent turnover
- Item 2 disclosed frequent executive changes
Overview
About
RNR Tire Express franchisees operate retail tire shops selling and installing tires, wheels, and automotive services. Day-to-day operations include managing sales staff, handling customer service, inventory procurement, tire installation/balancing, and local marketing within their protected territory.
- CEO
- Adam B. Sutton
- Founded
- 1999
- FDD year
- 2025
- States available
- 29
FDD Item 7 · 2025 filing · 21 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Fee | $45K | $45K | |
| Location Study/Demographic Analysisnot refundable | $500 | $500 | |
| Rent - 3 Monthsnot refundable | $15K | $45K | |
| Security Deposits | $5K | $20K | |
| Leasehold Improvementsnot refundable | $100K | $400K | |
| Shop Equipmentnot refundable | $11K | $200K | |
| Furniture, Fixtures and Decornot refundable | $18K | $50K | |
| Vehicle - 3 monthsnot refundable | $2K | $3K | |
| Computer Hardware and Softwarenot refundable | $5K | $29K | |
| Initial Inventorynot refundable | $75K | $125K | |
| Blue Prints, Licenses and Permitsnot refundable | $25K | $50K | |
| Signagenot refundable | $20K | $60K | |
| Insurance - Annual Premiumnot refundable | $15K | $25K | |
| Grand Opening Advertisingnot refundable | $36K | $102K | |
| Change Fundnot refundable | $300 | $300 | |
| Professional Feesnot refundable | $3K | $5K | |
| Travel Expenses for Trainingnot refundable | $15K | $22K | |
| Salaries for Training and Pre-Openingnot refundable | $20K | $30K | |
| Tire Industry Association (TIA) Membershipnot refundable | $180 | $180 | |
| Association of Progressive Rental Organizations (APRO)not refundable | $395 | $395 | |
| Total initial investment | $712K | $1.7M |
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.
Single-unit · estimated
Returns at a glance
Indicative numbers using FDD Item 7 / Item 19 inputs and category-benchmarked cost ratios. Full single-unit, 25-unit portfolio, and LBO models (with every input editable to stress-test your own scenario) live on the financials page.
Store EBITDA · annual
$126K
7.0% margin
Unlevered ROIC
8%
EBITDA / total invested capital
Payback
12.8 yrs
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $712K – $1.7M
- Better than avg vs category
- Liquid capital req'd
- $300K – $500K
- Near category avg vs category
- Franchise fee
- $20K – $45K
- Better than avg vs category
- Royalty
- 5.0%
- percentage_of_gross · typical 6–8%
- Ad fund
- Maximum fee is 2% of Gross Revenues
- Total fee load
- 7.0%
- vs 9–13% typical
- Payback period
- 5.4 yrs
- From FDD / Item 19
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 5.0% of gross sales |
| Technology fee | $12K |
| Training fee | $300 |
| Transfer fee | $10K |
| Renewal fee | $2K |
| Total fee load | 7.0% of rev |
Financial Performance
- Avg gross sales
- $1.8M
- Per unit, per year
- Median gross sales
- $1.7M
- Avg p&l bottom line
- $225K
- Reported as P&L Bottom Line in FDD Item 19
- Cash-on-cash
- 18.6%
- Based on P&L Bottom Line / investment midpoint
- Item 19 type
- Actual Performance
- Sample size
- 181 units
- vs category median 49 · large
- Range (low → high)
- $558K→$4.6M
- Cohort dispersion (min → max)
- Quartile band
- $850K→$2.9M
- Bottom 25% → top 25%
- Reporting year
- 2024
- Fiscal year the figures cover
- Transparency
- 9 / 5
- vs category median 2 / 5 · above
Compared against 304 Retail brands
vs Retail averages
How RNR Tire Express Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 200
- Opened
- 9
- Last reporting year
- Closed
- 2
- Terminated
- 2
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 1.0%
- Company-owned
- 24
- Corporate units in the system
- % franchised
- 88%
- vs corporate-owned
- Net growth (yr3)
- +4.1%
- Net unit change last year
- 3-yr CAGR
- +13.5%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 0
- Termination rate
- 1.0%
- Franchisor-initiated terminations
- Ceased ops
- 1.0%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 31 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.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 14
- Loan volume
- $14.9M
- Median loan
- $733K
- 50th percentile
- Charge-off rate
- 0.0%
- 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)
- 100.0%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 6
- Defaults
- 0
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into RNR Tire Express's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 5 lenders with concentration factor
- Per-state charge-off rates across 6 states
- Startup risk premium and job creation velocity
- 5-year lending trend
- SBA 504 real estate/equipment data
Instant access. No subscription.
With a 0.0% charge-off rate across 14 loans, banks have historically viewed this brand favorably for lending.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
RNR presents moderate risk: a mature, slow-growing tire retail system with high capital requirements, unverified earnings claims, and tight margins that may not justify franchise fees for below-average locations.
Litigation (Item 3)
No litigation required to be disclosed
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Rivero, Gordimer & Company, 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
- Can negotiate own supplier terms: No
Score breakdown · what drove the 8 / 100 rating
- 01MINORSlow unit growth of only 4.1% YoY suggests market saturation or franchisee dissatisfaction in a mature 200-unit system
- 02MINORHigh initial investment range ($711K-$1.7M) paired with modest average net income ($225K) yields only 31-32% ROI in year one, requiring 2.2-3.1 years to break even
- 03MEDNo Item 19 (Financial Performance Representations) disclosed — franchisor provides no earnings claim, making $225K average net income unverified and potentially unrepresentative
- 04MINORNarrow profit margin: $225K net on $1.8M revenue = 12.5% net margin, leaving little cushion for underperformers or economic downturns
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 | 10 years |
|---|---|
| Renewal term | 10 years |
| Allowed renewalsℹ | 2 |
| Territory type | Radius |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 3 years |
| Non-compete (miles)ℹ | 50 mi |
| Right of first refusalℹ | Yes |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Arbitration location | Hillsborough County, Florida |
| Jury trial waiver | Yes |
| Governing law | Florida |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation required to be disclosed
Items 10, 11
Training & Operations
- Classroom training
- 54 hrs
- On-the-job training
- 72 hrs
- Training location
- On-site and corporate
- Time to open
- 9 mo
- From signing to launch
Items 5 & 11
Franchisor Support
Item 20 · call current owners
Franchisee Contacts
59 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
RNR Tire Express · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a RNR Tire Express franchise?
The total investment to open a RNR Tire Express franchise ranges from $712K – $1.7M, with an initial franchise fee of $45K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do RNR Tire Express franchise owners earn?
According to Item 19 of the RNR Tire Express FDD, the average gross sales per unit is $1.8M. The median is $1.7M. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is RNR Tire Express's franchise failure rate?
Based on SBA 7(a) loan data, RNR Tire Express has a charge-off rate of 0.0% across 14 loans, meaning 0.0% 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 RNR Tire Express franchise locations are there?
As of their most recent FDD filing, RNR Tire Express has 200 total units in the United States, including 176 franchised units and 24 company-owned units. 9 new units were opened in the latest reporting year.
Is RNR Tire Express a good franchise to buy?
FranchiseVerdict rates RNR Tire Express as a A-grade franchise with a risk score of 8 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.