Roly Poly Rolled SandwichesFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
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]. Verdict grade: F. Run a live ROI scan →
Data last verified June 18, 2026 · 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 default
- 46.9%
- system-wide median varies by category
Quick verdict · Full-Service Restaurants · color = vs category peers
Green = >15% above Full-Service Restaurants 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
46.9% of SBA loans charged off across 32 loans, above the 16% franchise average.
Franchising since 1997. Systems this mature have refined operations and brand recognition.
The system contracted 11% year-over-year. Investigate why units are closing.
The franchisor's auditor raised doubt about continued operations. This is a serious risk signal.
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 F (Bottom Quintile) with a risk score of 100/100. 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, 2010–2024).
- Auditor disclosed a going-concern note, which flagged doubt about the franchisor's ability to continue operations. Verify against the latest FDD.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- Roly Poly Franchise Systems, LLC
- 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
- GA
- HQ
- 12370 Preserve Lane, Alpharetta, Georgia 30005
- Auditor
- Santi & Associates, PC
- Audited financials
- Franchisor revenue
- $188K
- vs $196K prior year
- ⚠ Going-concern note
- Disclosed in FDD 2023
- Status as of 2023; may have been resolved in a later filing we don't yet have.
Overview
About
Franchisees operate quick-service sandwich shops specializing in rolled sandwiches (wraps). Day-to-day operations include food prep, customer service, cash handling, inventory management, and cleaning. Most units are likely small footprint locations or kiosks requiring minimal staff.
- CEO
- Linda L. Wolf
- Headquarters
- GA
- Founded
- 1996
- FDD year
- 2023
- States available
- 9
FDD Item 7 · 2023 filing · 14 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
- Better than avg vs category
- Liquid capital req'd
- $5K – $20K
- Better than avg vs category
- Franchise fee
- $23K – $23K
- Better than avg 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.
vs Full-Service Restaurants averages
How Roly Poly Rolled Sandwiches Compares
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 (yr3)
- -10.7%
- Net unit change last year
- 3-yr CAGR
- -21.9%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 0
- 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
Vintage analysis
Roly Poly Rolled Sandwiches charge-off rate by loan vintage
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.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Roly Poly is a contracting franchise system with no disclosed unit economics, making it impossible to validate ROI or assess whether the $106k–$226k investment can achieve acceptable returns.
Litigation (Item 3)
No litigation required to be disclosed
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Santi & Associates, PC⚠ Going-concern note flagged
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 100 / 100 rating
- 01MEDUnit count declined 10.7% year-over-year (25 units remaining), indicating systemic underperformance or franchisee exits
- 02MINORNo average revenue or net income disclosure in Item 19 prevents ROI validation and raises transparency concerns
- 03MINOR$500/month minimum royalty on a 5% rate suggests expected unit volumes are modest; break-even analysis impossible
- 04MEDInvestment range of $106,550–$226,700 is substantial with no disclosed profitability benchmarks to justify cost
- 05MINORFranchise system is contracting rather than expanding, limiting growth prospects and peer support network
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 | 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 F-grade franchise with a risk score of 100 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.