Sir Speedy Franchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
Sir Speedy is a B2B franchise providing printing, signage, mailing, and marketing services to businesses. Franchisees run a print-and-marketing center managing production, design, and client accounts in a territory.
FranchiseVerdict summary · 2026
A Sir Speedy franchise requires a total initial investment of $252K – $299K, including a $55K franchise fee and an ongoing 4.0% royalty[2]. Per the 2026 FDD, average unit revenue was $1.3M[2]. SBA 7(a) loans show a 16.8% charge-off rate across 195 loans[1]. FranchiseVerdict grade: B (Above average), an editorial assessment, not investment advice. Run a live ROI scan →
Data last verified · figures per the 2026 FDD issuance
Overview
- Investment
- $252K – $299K
- 59th pct Business Serv…
- Avg gross sales
- $1.3M
- 15th pct Business Serv…
- Royalty
- 4.0%
- 2nd pct Business Serv…
- Units
- 119
- 50th pct Business Serv…
- SBA charge-off
- 16.8%
- % of SBA 7(a) loans not repaid · median varies by category
Quick verdict · Business Services · color = vs category peers
Green = favorable by >10% vs Business Services 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
- COSTTotal investment $252K – $299K including a $55K franchise fee, 4.0% ongoing royalty.
- RETURNSAverage unit revenue of $1.3M/year (median $752K).
- RISKVerdict B (Above average), verdict score 53/100 (higher is better). SBA loan charge-off rate of 16.8% across 195 loans (above the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- DECLINESystem contracting at -11.2% 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
- Sir Speedy, LLC
- Parent company
- Franchise Services, LLC
- Ultimate parent
- KOAH, Inc.
- Predecessor
- Sir Speedy, Inc.
- Prior franchisor entity
- CEO title
- President and Chief Executive Officer
- Richard A. Lowe
- Incorporated in
- California
- HQ
- 26722 Plaza, Mission Viejo, California 92691
- Auditor
- CliftonLarsonAllen LLP
- Audited financials
- Franchisor revenue
- $7.4M
- vs $7.3M prior year
Overview
About
- CEO
- Richard A. Lowe
- Headquarters
- California
- Founded
- 1968
- FDD year
- 2026
- States available
- 31
Can you afford it, and what does the money buy?
Entry cost is about average for a business services franchise.
Source: FDD 2026 · Items 5–7
FDD Item 7 · 2026 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $55K | $55K |
| Working capital (3–6 mo) | $125K | $150K |
| Equipment, build-out, other | $72K | $94K |
| Total initial investment | $252K | $299K |
Source: Sir Speedy 2026 FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $252K – $299K
- Middle of category vs category
- Liquid capital req'd
- $125K – $150K
- Middle of category vs category
- Franchise fee
- $55K – $55K
- Middle of category vs category
- Royalty
- 4.0%
- tiered · typical 6–8%
- Ad fund
- 2.0%
- typical 3–5%
- Total fee load
- 6.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 4.0% of gross sales |
| Marketing / ad fund | 2.0% of gross sales |
| Transfer fee | $10K |
| Renewal fee | $0 |
| Total fee load | 6.0% of rev |
A 6.0% total fee load is unusually lean. More of each revenue dollar stays with the franchisee.
What do units actually make?
Average unit sales run 14% below the business services norm.
Source: FDD 2026 · Item 19
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
$218K
17.0% margin
Unlevered ROIC
53%
EBITDA / total invested capital
Payback
23 mo
cash-on-cash, unlevered
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
What one unit earns on your invested capital
Model A · Single-Unit Return
Computes unlevered return on invested capital (ROIC) for a single franchise unit. The target band for an attractive franchise is 30–60% ROIC. Below that and a passive index fund likely outperforms; above that and the franchisor has pricing power you're subsidizing.
Note: Item 19 revenue is what the franchisor discloses. It's the top line only. Operating costs below are category estimates. Override them to match your real lease quote, labor market, and build-out budget.
Returns model · single-unit ROIC
What would one Sir Speedy unit return on the cash you put in?
Unlevered ROIC · per unit
Estimated return on your total franchise investment, before any debt financing.
53%
Within the 30–60% "attractive franchise" band
What 25 units return when you use SBA financing
Model B · Return on Equity: Debt-Financed Acquisition
Models a 25-unit portfolio acquisition financed with an SBA 7(a) loan. Shows equity IRR (your return on cash invested), DSCR (how safely the cash flow covers debt service), and the capital stack (SBA + seller + equity breakdown).
This is the “search fund” or “entrepreneurship through acquisition” scenario: you buy an existing multi-unit operator, use leverage to amplify returns, and either operate or hire management. The 25-unit size is the typical minimum for an SBA-backed franchise portfolio acquisition to pencil as a full-time income.
What “return on equity” means here: if you put in $500K of your own cash and the business generates enough EBITDA to pay down debt and grow, your equity IRR is the annual return on that $500K, including the value created when you eventually sell. Target IRR for a search fund is typically 25–35%.
Levered LBO scenario · Yale Crease Capital framing
What would 25 Sir Speedy units return on equity?
Equity IRR · 5-yr
38.3%
5.06× MOIC
Year-1 DSCR
2.18×
EBITDA ÷ debt service
Equity required
$4.0M
on $12.8M purchase
Total debt
$8.8M
SBA $5.0M + senior + seller note
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: 2026 FDD
Financial Performance
- Avg gross sales
- $1.3M
- Per unit, per year
- Median gross sales
- $752K
Gross sales are revenue before expenses — not profit. Actual owner earnings depend on rent, labor, royalties, marketing fees, and debt service.
- Item 19 type
- historical
- Sample size
- 109 outlets
- vs category median 35 · large
- Range (low → high)
- $101K→$14.2M
- Cohort dispersion (min → max)
- Reporting year
- 2025
- Fiscal year the figures cover
- Source filing
- FDD 2026
- Disclosed in the 2026 filing, covering 2025
- Transparency
- 4 / 10
- vs category median 3 / 10 · above
Compared against 296 Business Services brands
Revenue is 4.7x the investment midpoint. At typical franchise margins, this suggests a payback under 3 years.
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Unit economics
Average unit generates $1.3M/year in gross sales. Median is $752K — top performers pull the average up, so a typical unit earns less. Revenue-to-investment ratio: 4.7x.
Fee burden
Total ongoing fee load of 6.0% — below the Business Services average of 11.9%.
Disclosure
Transparency score 4/10 — this franchisor discloses detailed breakdowns (quartiles, segments, or cohort data). Buyers can model unit economics with higher confidence.
Operator retention
System contracting at -11.2% 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 Business Services averages
How Sir Speedy Compares
Is the system healthy?
Source: FDD 2026 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 119
- Opened
- 1
- Last reporting year
- Closed
- 9
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 2
- Term expired, not renewed (per Item 20)
- Turnover rate
- 7.6%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (3-yr)
- -11.2%
- Net unit change over 3 years
- 3-yr CAGR
- -11.2%
- Compounded over last 3 years
3-year detail · Item 20
- Opened (3yr)
- 3
- Closed (3yr)
- 6
- Terminated (3yr)
- 1
- Non-renewed (3yr)
- 2
- Transfers (3yr)
- 20
- Reacquired (3yr)
- 0
- Franchisor bought back
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 32 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.
A system losing more than 10% of its units year-over-year is a red flag. Check whether closures are concentrated in specific regions.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 195
- Loan volume
- $60.1M
- Median loan
- $346K
- 50th percentile
- Charge-off rate
- 16.8%
- 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)
- 83.2%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 70
- Defaults
- 25
- Typical loan rate
- 7.1%
- avg rate to borrowers
- Franchised industry avg
- 12.3%
- brand above franchise avg ↑
- Jobs supported
- 193
- 1.1 per loan
- Lender concentration
- 13%
- top lender's share
Borrower mix: 25% went to startups / new businesses, 75% to established operators
Franchise vs independent — in commercial gravure printing, franchised businesses charge off at 12.3% vs 6.7% for independents — franchising is associated with 84% higher SBA default risk in this category.
Top lenders financing Sir Speedy franchisees
Showing 3 of 70 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 Sir Speedy'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 14 states
- Startup risk premium and job creation velocity
- 8-year lending trend
- SBA 504 real estate/equipment data
Instant access. No subscription.
What could kill this investment?
SBA loans here charge off near the 16.0% national average.
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
Risk & Legal
Clean, mature 119-unit printing franchisor (franchising since 1968) with audited financials, positive net worth of $6.83M, net income of $3.5M, and Item 19 disclosed. The only Item 3 matter is a minor $8,000 California DFPI consent order against an affiliate (TeamLogic) over broker disclosure paperwork. Net unit growth is -11.2% but financials are strong.
Litigation (Item 3)
California DFPI Consent Order (Jan 2024) against affiliate TeamLogic, LLC for franchise-broker disclosure violations (Corp. Code 31210); $8,000 administrative penalty paid. No litigation against Sir Speedy itself.
Largest disclosed settlement: $8,000
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · CliftonLarsonAllen LLP
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: No
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 53 / 100 verdict
- 01MINORPositive net worth $6,828,000 and net income $3,495,000
- 02MEDAudited financials, Item 19 disclosed
- 03HIGHOnly litigation is an $8,000 affiliate administrative penalty
- 04MINORNegative net growth -11.2% (minor)
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 2026 · Items 11, 12, 17
FDD Items 12, 15, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 20 years |
|---|---|
| Renewal term | 20 years |
| Allowed renewalsℹ | 1 |
| Territory type | protected |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| 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 | 20 days |
| Termination groundsℹ | 4 |
| Curable defaultsℹ | 2 |
| Mandatory arbitration | Yes |
| Arbitration location | Orange County, California |
| Jury trial waiver | Yes |
| Governing law | California |
| Litigation count | 1 |
View Item 3 litigation summary
California DFPI Consent Order (Jan 2024) against affiliate TeamLogic, LLC for franchise-broker disclosure violations (Corp. Code 31210); $8,000 administrative penalty paid. No litigation against Sir Speedy itself.
Items 10, 11
Training & Operations
- Classroom training
- 44 hrs
- On-the-job training
- 120 hrs
- Training location
- Mission Viejo, California (Sir Speedy University)
- Ongoing training
- Optional
- Time to open
- 6 mo
- From signing to launch
- Site selection
- Franchisor approval; franchisee submits proposed site
- Franchisor financing
- Not offered
- Item 10
- POS system
- Printer's Plan
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Printer's Plan
Item 20 · call current owners
Franchisee Contacts
127 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Sir Speedy · FDD (2026) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Sir Speedy franchise?
The total investment to open a Sir Speedy franchise ranges from $252K – $299K, with an initial franchise fee of $55K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Sir Speedy franchise owners earn?
According to Item 19 of the Sir Speedy FDD, the average gross sales per unit is $1.3M. The median is $752K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is Item 19 in the Sir Speedy 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 Sir Speedy FDD and qualifies whose outlets they describe.
What is Sir Speedy's franchise failure rate?
Based on SBA 7(a) loan data, Sir Speedy has a charge-off rate of 16.8% across 195 loans, meaning 16.8% 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 Sir Speedy franchise locations are there?
As of their most recent FDD filing, Sir Speedy has 119 total units in the United States, including 119 franchised units and 0 company-owned units. 1 new units were opened in the latest reporting year.
Is Sir Speedy a good franchise to buy?
FranchiseVerdict rates Sir Speedy as a B-grade franchise with a verdict score of 53 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 Sir Speedy, 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.