Sir Speedy Franchise Cost, Revenue & Review 2026
- Investment
- $252K – $299K
- Disclosed sales
- $1.3M
- gross sales, not profit
- SBA charge-off
- 16.8%
- on 195 loans
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 →
Sources, dates and evidence
FDD issued: · Data extracted: · Last cited check: · Staleness risk: low - issued within the last 12 months
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 scored8 of 8 headline figures on this page cite a page of the filing.
Overview
- Investment
- $252K – $299K
- 59th pct Business Serv…
- Avg gross sales
- $1.3M
- 14th pct Business Serv…
- Royalty
- 4.0%
- 2nd pct Business Serv…
- Units
- 119
- 49th 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 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 $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).
- GROWTHNegative: net -10 franchised outlets in the latest year (1 opened, 9 closed) (Item 20).
- 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
Same owner · FDD Item 1
3 other brands on this site name KOAH, Inc. as parent or ultimate parent in their own FDD.
Grouped by the owner's name as each filing prints it (this page: the 2026 FDD). Spelling variants of the same group may be listed apart; a brand is never grouped with an owner its filing does not name.
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 runs 107% above the typical 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 by sales volume · 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% |
| 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 87% above the business services norm.
Source: FDD 2026 · Item 19
Single-unit · not modelled
Returns at a glance
An FDD discloses gross sales, not profit, and the operating costs that turn one into the other are in no filing. We publish no modelled return for Sir Speedy until someone supplies them — yours, in the models below.
—
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for 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.
Total invested capital · disclosed
$413K
Item 7 initial investment plus working capital, as filed — the one figure here that needs no assumption.
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, read against the 30–60% reference band · Yale SOM, Post-MBA Path Exhibit 2 (2023). Below that band a passive index fund likely outperforms; above it the franchisor has pricing power you're subsidizing.
Note: Item 19 revenue is what the franchisor discloses, and it is the top line only — gross sales are not profit. No FDD discloses the operating costs that turn one into the other, so those fields start empty and nothing is modelled until you supply them from your own 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?
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 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.
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%.
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for 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.
A 25-unit return is built on a per-unit EBITDA. Fill in the operating costs in Model A above and this model runs on that figure, or take the whole scenario to the full ROI workbench, where the portfolio and LBO models accept your own per-unit economics directly.
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 37 · large
- Range (low → high)
- $101K→$14.2MCited, not corroborated — printed on page 32 of the 2026 FDD. Nothing else in our record independently restates or re-derives it.
- 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 median of 9.0%.
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 medians
How Sir Speedy Compares
Category median of published Business Services 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 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
Last fiscal year · Item 20 exits and transfers
- Terminated
- 0
- Not renewed
- 2
- Transferred
- 6
- Reacquired
- 0
- Franchisor bought back
- Signed, not yet open
- 0
- 0.00 per open outlet · Item 20 Table 5
- Projected new
- 6
- Franchisor's next-year forecast
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.
Where the owners are · Item 20 owner list
127 current owners across 32 states.
- FL 20
- CA 15
- TX 9
- PA 8
- NC 7
- NY 7
- MI 6
- VA 6
- IL 5
- NJ 5
- AZ 4
- MA 4
- +20 more states
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.
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%
- on 195 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)
- 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.
Lender network · 7(a) + 504
SBA Lending Report
Full lending analysis for Sir Speedy from SBA 7(a) FOIA data.
- Principal loss rate
- 0.0%
- Avg SBA guarantee
- 71%
- Avg interest rate
- 7.14%
- Lender concentration
- 12.5%
- Job velocity
- 1.1 per $100K
- NAICS benchmark
- 20.4%
- NAICS 323111
- Jobs supported
- 193
Top SBA lendersTop lender holds 13% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | JPMorgan Chase Bank, National Association | 3 | $1.9M | 0.0% |
| 2 | U.S. Bank, National Association | 2 | $127K | 0.0% |
| 3 | Live Oak Banking Company | 2 | $3.5M | 0.0% |
| 4 | The Huntington National Bank | 2 | $4.8M | N/A |
| 5 | Sunflower Bank National Association | 2 | $289K | N/A |
| 6 | Columbia Bank | 1 | $535K | N/A |
| 7 | Evolve Bank and Trust | 1 | $342K | N/A |
| 8 | Northeast Bank | 1 | $125K | 0.0% |
| 9 | Sno Falls CU | 1 | $262K | 0.0% |
| 10 | Wells Fargo Bank National Association | 1 | $399K | N/A |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| FLFlorida | 4 | 0 | 0.0% |
| TXTexas | 3 | 0 | 0.0% |
| AZArizona | 2 | 0 | -- |
| CACalifornia | 2 | 0 | -- |
| COColorado | 2 | 0 | 0.0% |
| NCNorth Carolina | 2 | 0 | 0.0% |
| RIRhode Island | 2 | 0 | 0.0% |
| DEDelaware | 1 | 0 | -- |
| ILIllinois | 1 | 0 | -- |
| MNMinnesota | 1 | 0 | -- |
SBA 7(a) lending trend
Borrower profile
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
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)
Subject: officers or affiliates. The franchisor is not a named party in these cases.
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.
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 territory |
| 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
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.
Who owns Sir Speedy?
Sir Speedy is franchised by Sir Speedy, LLC. Its parent company is Franchise Services, LLC. The ultimate parent named in the FDD is KOAH, Inc.. Source: FDD Item 1, 2026 filing.
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). 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
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.