Roly Poly Rolled Sandwiches Franchise Cost, Revenue & Review 2026
- Investment
- $107K – $227K
- Disclosed sales
- not disclosed
- SBA charge-off
- 46.9%
- on 32 loans
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]. 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. 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 →
Sources, dates and evidence
FDD issued: · Data extracted: · Last cited check: · Staleness risk: high - issued more than two years ago
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 scored4 of 4 headline figures on this page cite a page of the filing.
Overview
- Investment
- $107K – $227K
- 6th pct Service Resta…
- Avg gross sales
- N/A
- Royalty
- 5.0%
- 12th pct Service Resta…
- Units
- 25
- 52nd pct Service Resta…
- SBA charge-off
- 46.9%
- % of SBA 7(a) loans not repaid · median varies by category
Quick verdict · Quick-Service Restaurants · color = vs category peers
Green = favorable by >10% vs Quick-Service Restaurants 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 $107K – $227K including a $23K 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 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).
- GROWTHNegative: net -3 franchised outlets in the latest year (1 opened, 4 closed) (Item 20).
- FLAG4 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 66% below the typical quick-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%
- 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 |
| Inventory (initial) | $4K – $8K |
| Total fee load | 6.0% of rev |
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
Roly Poly Rolled Sandwiches 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 Roly Poly Rolled Sandwiches 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, ad fund rate, 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: 2023 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
Total ongoing fee load of 6.0% — below the Quick-Service Restaurants median of 7.5%.
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 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 Quick-Service Restaurants medians
How Roly Poly Rolled Sandwiches Compares
Category median of published Quick-Service Restaurants 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 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
Last fiscal year · Item 20 exits and transfers
- Terminated
- 4
- Not renewed
- 0
- Signed, not yet open
- 0
- 0.00 per open outlet · Item 20 Table 5
- 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.
Where the owners are · Item 20 owner list
17 current owners across 8 states.
- LA 7
- GA 3
- AL 2
- IN 1
- MD 1
- MI 1
- NC 1
- SC 1
Counts only, from the list the franchisor prints in Item 20. Names and phone numbers are for your own due diligence and are not shown here.
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%
- on 32 loans · 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.
Lender network · 7(a) + 504
SBA Lending Report
Full lending analysis for Roly Poly Rolled Sandwiches from SBA 7(a) FOIA data.
- Principal loss rate
- 37.0%
- Avg SBA guarantee
- 75%
- Avg interest rate
- 6.00%
- Avg chargeoff amount
- $61K
- Lender concentration
- 9.4%
- Job velocity
- 6.1 per $100K
- NAICS benchmark
- 15.7%
- NAICS 722211
- Jobs supported
- 150
Top SBA lendersTop lender holds 9% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | 3 | $218K | 33.3% |
| 2 | State Bank of Texas | 3 | $182K | 66.7% |
| 3 | Fairfield County Bank | 3 | $185K | 66.7% |
| 4 | The Huntington National Bank | 3 | $85K | 66.7% |
| 5 | Fifth Third Bank | 2 | $185K | 0.0% |
| 6 | PNC Bank, National Association | 2 | $135K | 0.0% |
| 7 | SouthState Bank, National Association | 1 | $79K | 0.0% |
| 8 | Atlantic Union Bank | 1 | $20K | 0.0% |
| 9 | First Financial Bank, National Association | 1 | $72K | 0.0% |
| 10 | The American National Bank of Texas | 1 | $80K | 100.0% |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| TXTexas | 10 | 5 | 50.0% |
| MOMissouri | 4 | 2 | 50.0% |
| CTConnecticut | 3 | 2 | 66.7% |
| OHOhio | 3 | 2 | 66.7% |
| INIndiana | 2 | 0 | 0.0% |
| MDMaryland | 2 | 1 | 50.0% |
| MIMichigan | 2 | 0 | 0.0% |
| ALAlabama | 1 | 0 | 0.0% |
| ILIllinois | 1 | 1 | 100.0% |
| KYKentucky | 1 | 0 | 0.0% |
SBA 7(a) lending trend
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
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)
Subject: officers or affiliates. The franchisor is not a named party in these cases.
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)
Franchisor FY2021 revenue $188,383 vs FY2020 $168,771 (Exhibit D audited statements); FY2022 figures referenced but not present in text extract.
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 | Protected territory |
| 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
- Site selection
- franchisee (franchisor approves)
- Franchisor financing
- Not offered
- Item 10
- 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
17 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 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 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 Roly Poly Rolled Sandwiches?
Roly Poly Rolled Sandwiches is franchised by Roly Poly Franchise Systems, LLC. Source: FDD Item 1, 2023 filing.
What is Item 19 in the Roly Poly Rolled Sandwiches 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 Roly Poly Rolled Sandwiches FDD and qualifies whose outlets they describe.
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). 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.