SCA Appraisal Services Franchise Cost, Revenue & Review 2026
- Investment
- $27K – $80K
- Disclosed sales
- partial, no system average
- SBA charge-off
- Not SBA-matched
Data from FDD filing
Analysis by FranchiseVerdict Research · Methodology
SCA Appraisal Services is a franchise providing independent auto-damage appraisals and inspections for insurers and claimants. Franchisees run an appraisal business dispatching appraisers to assess vehicle damage and manage claims work in a territory.
FranchiseVerdict summary · 2026
A SCA Appraisal Services franchise requires a total initial investment of $27K – $80K, including a $10K – $50K franchise fee and an ongoing 50.0% royalty[2]. The 2025 FDD on file does not yield a unit-revenue figure we can publish. FranchiseVerdict grade: A (Strongest tier), an editorial assessment, not investment advice. Run a live ROI scan →
Limited operating history: franchising since 2025. A system this young has fewer than three years of Item 20 outlet history and rarely enough SBA loans for a charge-off rate, so its grade rests on less evidence than an established system's. Read its Item 20 tables and talk to its first franchisees before relying on the grade. Other new franchisors
Sources, dates and evidence
FDD issued: · Data extracted: · Last cited check: · Staleness risk: medium - issued 12 to 24 months ago; a newer filing is likely on file
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 5 headline figures on this page cite a page of the filing; the rest are marked “Not cited” beside the figure.
Overview
- Investment
- $27K – $80K
- 2nd pct Automotive
- Avg gross sales
- N/A
- Royalty
- 50.0% (?)
- Likely extraction error
- Units
- 88
- 27th pct Automotive
- SBA charge-off
- N/A
Quick verdict · Automotive · color = vs category peers
Green = favorable by >10% vs Automotive 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 $27K – $80K including a $10K franchise fee, 50.0% ongoing royalty.
- RETURNSItem 19 reports outlet revenue, but not in a form that yields a per-outlet average we can compare across brands.
- RISKVerdict A (Strongest tier), verdict score 75/100 (higher is better).
- GROWTHPositive: net +1 franchised outlets in the latest year (7 opened, 6 closed) (Item 20).
- DECLINESystem contracting at -5.4% CAGR over 3 years. Investigate whether closures are franchisor-driven (consolidation) or franchisee-driven (economics).
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- SCA Franchising Corporation
- Parent company
- SCA Enterprises, Inc.
- FDD Item 1, page 6 of the 2025 FDD
- CEO title
- President
- Timothy William Paul Davis
- Incorporated in
- CA
- HQ
- 3817 West Magnolia Boulevard, Burbank, CA 91505
- Auditor
- Baker Tilly US, LLP
- Audited financials
- Franchisor revenue
- $5.8M
- vs $7.3M prior year
Independent franchisee associations
- Independent Franchisee Association
Franchisee-led councils or alliances disclosed in Item 20. Indicates operator voice.
Affiliated brands
- is SCA Adjusting Services
- is SCA Enterprises
- is Woodland Capital Franchising
- SCA
Other brands the franchisor or its parent operates (Item 1).
Overview
About
- CEO
- Timothy William Paul Davis
- Headquarters
- CA
- Founded
- 2007
- FDD year
- 2025
- States available
- 26
Can you afford it, and what does the money buy?
Entry cost runs 85% below the typical automotive franchise.
Source: FDD 2025 · Items 5–7
Full Item 7 breakdown9 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Fee (2) | $10K | $50K | |
| Training Expenses (3) | $2K | $2K | |
| Real Property, construction, remodeling, leasehold improvements and decorating costs (4) | $2K | $3K | |
| Equipment, fixtures, other fixed assets, (5) | $5K | $8K | |
| Inventory to begin operating (6) | — | — | |
| Security deposits, utility deposits, business licenses and other prepaid expenses (7) | $100 | $250 | |
| Insurance (annual premium) (8) | $2K | $4K | |
| Computer Software licenses (9) | $500 | $500 | |
| Additional funds - 3 months (10) | $6K | $13K | |
| Total initial investment | $27K | $80K |
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
- $27K – $80K
- Top 40% of category vs category
- Liquid capital req'd
- $6K – $13K
- Top 40% of category vs category
- Franchise fee
- $10K – $50K
- Top 40% of category vs category
- Royalty
- 50.0%
- typical 6–8%
- Ad fund
- Currently None; System Advertising Contribution is None. …
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 50.0% of gross sales |
| Transfer fee | $2K |
| Renewal fee | $0 |
| Inventory (initial) | $0 – $0 |
What do units actually make?
Source: FDD 2025 · Item 19
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
No Item 19 revenue figure for SCA Appraisal Services is on file. 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 SCA Appraisal Services 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: 2025 FDD
Financial Performance
- Item 19 type
- raw per-location gross revenue and file-count data (no aggregate mean/median/quartile statistics disclosed)
- Sample size
- 88
- vs category median 70
- Range (low → high)
- $1K→$865KNot cited — published from our reading of the franchisor's disclosure document; the page it is printed on has not been located.
- Cohort dispersion (min → max)
- Source filing
- FDD 2025
- The FDD edition these figures were read from
Compared against 167 Automotive brands
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Fee burden
50.0% royalty — higher than the category average of 6.0%.
Disclosure
Item 19 reports outlet revenue, but not in a form that yields a per-outlet average we can compare across brands.
Operator retention
System contracting at -5.4% 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 Automotive medians
How SCA Appraisal Services Compares
Category median of published Automotive 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 2025 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 88
- Opened
- 7
- Last reporting year
- Closed
- 6
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 6.8%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (3-yr)
- +1.1%
- Net unit change over 3 years
- 3-yr CAGR
- -5.4%
- Compounded over last 3 years
Last fiscal year · Item 20 exits and transfers
- Terminated
- 0
- Not renewed
- 0
- Transferred
- 8
- Reacquired
- 5
- Franchisor bought back
- Signed, not yet open
- 0
- 0.00 per open outlet · Item 20 Table 5
- Projected new
- 3
- Franchisor's next-year forecast
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 23 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
55 current owners across 23 states.
- CA 13
- FL 4
- NY 4
- TX 4
- AZ 3
- IL 3
- OH 3
- PA 3
- OK 2
- TN 2
- UT 2
- GA 1
- +11 more states
Counts only, from the list the franchisor prints in Item 20; 3 entries carry no state. 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.
No SBA loan data available for this brand.
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
Clean profile: strong net worth $2.65M and net income $258,763 on $5.8M revenue, audited, Item 19 disclosed. One old arbitration (2015) settled amicably for $15,000 a decade ago. 88-unit fully franchised system with slight -5.4% contraction.
Litigation (Item 3)
Subject: the franchisor is a named party (defendant).
One arbitration (Lukasik v. SCA, filed June 30, 2015) alleging breach of franchise agreement, common law and statutory fraud; SCA counterclaimed for breach of contract; settled amicably in December 2015 with a $15,000 payment by SCA and mutual releases, no admission of liability by either party.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Baker Tilly US, LLP
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
FY2025 (ended March 31, 2025): Royalties $5,547,856; Insurance fees $117,917; Franchise fee income $75,000; Other income $85,815; Total revenues $5,826,588. FY2024: Total revenues $7,325,928; FY2023: Total revenues $8,170,988.
Supplier relationship · Items 8 & 16
- Franchisor sells you products: No
- Kickbacks from required suppliers: No
- Must buy proprietary products: No
- Restricted to system-approved products: No
- Can negotiate own supplier terms: Yes
Score breakdown · what drove the 75 / 100 verdict
- 01MINORSingle old (2015) settled arbitration, $15K
- 02MINORPositive net worth $2.65M and net income $258,763
- 03MEDAudited, Item 19 disclosed, 88 units
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Source: FDD 2025 · 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 | No territory protection |
| Protected territory | No |
| Exclusive territoryℹ | No |
| Territory sizeℹ | Service Area (variable, franchisor may increase up to 50 miles for National Accounts) |
| Online sales rights | Granted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 25 mi |
| Right of first refusalℹ | Yes |
| RoFR response window | 30 days |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Termination groundsℹ | 24 |
| Curable defaultsℹ | 8 |
| Mandatory arbitration | Yes |
| Arbitration location | Los Angeles, California (American Arbitration Association) |
| Jury trial waiver | Yes |
| Governing law | California |
| Litigation count | 1 |
View Item 3 litigation summary
One arbitration (Lukasik v. SCA, filed June 30, 2015) alleging breach of franchise agreement, common law and statutory fraud; SCA counterclaimed for breach of contract; settled amicably in December 2015 with a $15,000 payment by SCA and mutual releases, no admission of liability by either party.
Items 10, 11
Training & Operations
- Classroom training
- 6 hrs
- On-the-job training
- 0 hrs
- Training location
- On-site and corporate
- Ongoing training
- Required
- Franchisor financing
- Offered
- Item 10
- POS system
- Core / Core Mobile
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Core / Core Mobile
Item 20 · call current owners
Franchisee Contacts
58 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 SCA Appraisal Services franchise?
The total investment to open a SCA Appraisal Services franchise ranges from $27K – $80K, with an initial franchise fee of $10K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do SCA Appraisal Services franchise owners earn?
Item 19 of the SCA Appraisal Services FDD discloses outlet figures from $1K to $865K but no single average across all outlets. These are gross sales figures, not profit; the Revenue section shows what the filing reports and on what basis. Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
Who owns SCA Appraisal Services?
SCA Appraisal Services is franchised by SCA Franchising Corporation. Its parent company is SCA Enterprises, Inc.. Source: FDD Item 1, 2025 filing.
What is Item 19 in the SCA Appraisal Services 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 SCA Appraisal Services FDD and qualifies whose outlets they describe.
What is SCA Appraisal Services's franchise failure rate?
SBA 7(a) loan charge-off data is not available for SCA Appraisal Services (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 SCA Appraisal Services franchise locations are there?
As of their most recent FDD filing, SCA Appraisal Services has 88 total units in the United States, including 88 franchised units and 0 company-owned units. 7 new units were opened in the latest reporting year.
Is SCA Appraisal Services a good franchise to buy?
FranchiseVerdict rates SCA Appraisal Services as a A-grade franchise with a verdict score of 75 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.