Roly Poly Rolled Sandwiches Franchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
Roly Poly is a quick-service franchise serving rolled sandwiches, wraps, soups, and salads. Franchisees run compact shops, managing food prep, staffing, and counter service.
FranchiseVerdict summary · 2026
A Roly Poly Rolled Sandwiches franchise requires a total initial investment of $107K – $227K, including a $23K franchise fee and an ongoing 5.0% royalty[2]. The 2023 FDD does not disclose unit-level revenue (no Item 19). SBA 7(a) loans show a 46.9% charge-off rate across 32 loans[1]. FranchiseVerdict grade: D (Below average), an editorial assessment, not investment advice. Run a live ROI scan →
Data last verified · figures per the 2023 FDD issuance
Overview
- Investment
- $107K – $227K
- 4th pct Service Resta…
- Avg gross sales
- N/A
- 28th pct Service Resta…
- Royalty
- 5.0%
- 7th pct Service Resta…
- Units
- 25
- 30th pct Service Resta…
- SBA charge-off
- 46.9%
- % of SBA 7(a) loans not repaid · median varies by category
Quick verdict · Full-Service Restaurants · color = vs category peers
Green = favorable by >10% vs Full-Service Restaurants 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
- Total investment $107K – $227K including a $23K franchise fee, 5.0% ongoing royalty.
- No Item 19 financial performance data disclosed. The franchisor chose not to publish revenue figures.
- Verdict D (Below average), verdict score 30/100 (higher is better). SBA loan charge-off rate of 46.9% across 32 loans (well above the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- 4 units terminated last reporting year (16.0% of the system). Ask existing franchisees why.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- Roly Poly Franchise Systems, LLC
- Predecessor
- Roly Poly Rolled Sandwiches, L.L.C.
- Prior franchisor entity
- CEO title
- President
- Linda L. Wolf
- CEO experience
- 27 yrs
- Years in role or industry
- Founder active
- Yes
- Original founder still leading the business
- Incorporated in
- Georgia
- HQ
- 12370 Preserve Lane, Alpharetta, Georgia 30005
- Auditor
- Santi & Associates, PC
- Audited financials
- Franchisor revenue
- $188K
- vs $196K prior year
Overview
About
- CEO
- Linda L. Wolf
- Headquarters
- GA
- Founded
- 1996
- FDD year
- 2023
- States available
- 9
Can you afford it, and what does the money buy?
Entry cost runs 82% below the typical full-service restaurants franchise.
Source: FDD 2023 · Items 5–7
Full Item 7 breakdown14 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Fee | $23K | $23K | |
| Initial Tuition Feenot refundable | $3K | $3K | |
| Travel and Living Expenses for Pre-training and grand opening trainingnot refundable | $500 | $1K | |
| Initial Rent and Security Deposit | $5K | $11K | |
| Construction and Leasehold Improvementsnot refundable | $25K | $90K | |
| Signage, Menu Boardsnot refundable | $5K | $10K | |
| Equipmentnot refundable | $33K | $48K | |
| Initial Inventory of Productsnot refundable | $4K | $8K | |
| Cash Register/POS Equipmentnot refundable | $2K | $5K | |
| Utility Deposits | $1K | $3K | |
| Business Licensesnot refundable | $50 | $200 | |
| Architectnot refundable | $500 | $3K | |
| Insurancenot refundable | $2K | $3K | |
| Additional Funds (6 months)not refundable | $5K | $20K | |
| Total initial investment | $107K | $227K |
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
- $107K – $227K
- Top 40% of category vs category
- Liquid capital req'd
- $5K – $20K
- Top 40% of category vs category
- Franchise fee
- $23K – $23K
- Top 40% of category vs category
- Royalty
- 5.0%
- Gross Sales · typical 6–8%
- Ad fund
- the greater of $75 per month or 1% of your Gross Volume o…
- Total fee load
- 6.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 5.0% of gross sales |
| Training fee | $3K |
| Transfer fee | $3K |
| Renewal fee | $50 |
| Total fee load | 6.0% of rev |
Financial Performance
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
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 6.0% — below the Full-Service Restaurants average of 7.6%.
Disclosure
Franchisor chose not to disclose financial performance representations. You will need to gather unit economics directly from existing franchisees.
Operator retention
System contracting at -21.9% CAGR over 3 years. Investigate whether closures are franchisor-driven consolidation or franchisee exits.
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 Full-Service Restaurants averages
How Roly Poly Rolled Sandwiches Compares
Is the system healthy?
Source: FDD 2023 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 25
- Opened
- 1
- Last reporting year
- Closed
- 4
- Terminated
- 4
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 16.0%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (3-yr)
- -21.9%
- Net unit change over 3 years
- 3-yr CAGR
- -21.9%
- Compounded over last 3 years
3-year detail · Item 20
- Opened (3yr)
- 1
- Closed (3yr)
- 0
- Terminated (3yr)
- 4
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 0
- Reacquired (3yr)
- 0
- Franchisor bought back
- Projected new
- 5
- Franchisor's next-year forecast
- Termination rate
- 16.0%
- Franchisor-initiated terminations
- Ceased ops
- 16.0%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 8 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
- 32
- Loan volume
- $2.5M
- Median loan
- $69K
- 50th percentile
- Charge-off rate
- 46.9%
- 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)
- 53.1%
- 5-yr charge-off
- N/A
- Loans approved 2021+
- Active lenders
- 22
- Defaults
- 15
- Typical loan rate
- 6.0%
- avg rate to borrowers
- Franchised industry avg
- 21.5%
- brand above franchise avg ↑
- Jobs supported
- 150
- 6.1 per loan
- Lender concentration
- 9%
- top lender's share
Franchise vs independent — in limited-service restaurants, franchised businesses charge off at 21.5% vs 25.0% for independents — franchising is associated with 14% lower SBA default risk in this category.
Vintage analysis
Roly Poly Rolled Sandwiches charge-off rate by loan vintage
Top lenders financing Roly Poly Rolled Sandwiches franchisees
Showing 3 of 22 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.
Premium insight
SBA Lending Report
Deep-dive into Roly Poly Rolled Sandwiches's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 10 lenders with concentration factor
- Per-state charge-off rates across 13 states
- Startup risk premium and job creation velocity
- 7-year lending trend
Instant access. No subscription.
A 46.9% charge-off rate means roughly 1 in 2 franchisees failed to repay their SBA loan. Investigate what changed.
What could kill this investment?
SBA loans charge off at 46.9% — 193% 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
No litigation, bankruptcy, or going-concern; audited with positive net worth $89,017 and net income $127,239. Concerns are no Item 19, contraction (-21.9% net growth), thin revenue ($188,383) and elevated 16% turnover on a small 25-unit system.
Litigation (Item 3)
No litigation required to be disclosed
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Santi & Associates, PC
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: No
- 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
- 01MINORNo Item 19 disclosure
- 02MINORNegative net growth -21.9%, thin revenue $188,383, 16% turnover
- 03MINORNo litigation/bankruptcy; positive net worth $89,017, audited
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 2023 · 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 | Delivery Area |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Territory radius | 1 mi |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 1 year |
| Right of first refusalℹ | Yes |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Arbitration location | 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
- 9 hrs
- On-the-job training
- 244 hrs
- Training location
- designated Roly Poly location for pre-training, franchisee's Unit for grand opening training
- Ongoing training
- Required
- POS system
- Square Point of Sale system
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Square Point of Sale system
Item 20 · call current owners
Franchisee Contacts
18 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Roly Poly Rolled Sandwiches · FDD (2023) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Roly Poly Rolled Sandwiches franchise?
The total investment to open a Roly Poly Rolled Sandwiches franchise ranges from $107K – $227K, with an initial franchise fee of $23K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Roly Poly Rolled Sandwiches franchise owners earn?
Roly Poly Rolled Sandwiches 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 Roly Poly Rolled Sandwiches's franchise failure rate?
Based on SBA 7(a) loan data, Roly Poly Rolled Sandwiches has a charge-off rate of 46.9% across 32 loans, meaning 46.9% 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 Roly Poly Rolled Sandwiches franchise locations are there?
As of their most recent FDD filing, Roly Poly Rolled Sandwiches has 25 total units in the United States, including 25 franchised units and 0 company-owned units. 1 new units were opened in the latest reporting year.
Is Roly Poly Rolled Sandwiches a good franchise to buy?
FranchiseVerdict rates Roly Poly Rolled Sandwiches as a D-grade franchise with a verdict score of 30 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 Roly Poly Rolled Sandwiches, you can request corrections or provide updated information.
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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.