Snappy Tomato PizzaFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A Snappy Tomato Pizza franchise requires a total initial investment of $121K – $351K, including a $25K franchise fee. The 2025 FDD does not disclose unit-level revenue (no Item 19). SBA 7(a) loans show a 20.0% charge-off rate across 30 loans[1]. Verdict grade: B. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $121K – $351K
- 12th pct Service Resta…
- Avg gross sales
- N/A
- 59th pct Service Resta…
- Royalty
- N/A
- Units
- 43
- 60th pct Service Resta…
- SBA default
- 20.0%
- system-wide median varies by category
Quick verdict · Quick-Service Restaurants · color = vs category peers
Green = >15% above Quick-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
20.0% of SBA loans charged off across 30 loans, above the 16% franchise average.
Franchising since 1993. Systems this mature have refined operations and brand recognition.
Bottom line
- Total investment $121K – $351K including a $25K franchise fee.
- No Item 19 financial performance data disclosed. The franchisor chose not to publish revenue figures.
- Verdict B (Above Average) with a risk score of 62/100. SBA loan charge-off rate of 20.0% across 30 loans (above the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2024).
- No Item 19 financial performance representation. Without franchisor-disclosed revenue data, you'll need to gather unit economics directly from existing franchisees.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- SNAPPY TOMATO PIZZA COMPANY
- CEO title
- Chief Executive Officer/Director
- Tim Gayhart
- CEO experience
- 32 yrs
- Years in role or industry
- Incorporated in
- KY
- HQ
- 6111 Burgundy Hill Drive, Burlington, Kentucky 41005
- Auditor
- Rudler, PSC
- Audited financials
- Franchisor revenue
- $2.5M
- vs $2.6M prior year
Overview
About
Franchisees operate quick-service pizza restaurants, managing food preparation, customer service, delivery logistics, and staff scheduling. Day-to-day responsibilities include inventory management, food cost control, marketing execution, and maintaining quality standards across dine-in, carryout, and delivery channels.
- CEO
- Tim Gayhart
- Headquarters
- KY
- Founded
- 1993
- FDD year
- 2025
- States available
- 5
FDD Item 7 · 2025 filing · 10 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Application Fee | $1K | $1K | |
| Initial Franchise Fee | $25K | $25K | |
| Real Estate | $2K | $4K | |
| Equipment, Fixtures, Other fixed assets, Remodeling, Leasehold Improvements and Decorating Costs | $65K | $250K | |
| Initial Supplies and Inventory | $5K | $8K | |
| Training | $3K | $5K | |
| Security Deposits, Other Prepaid Expenses and Working Capital | $10K | $30K | |
| Miscellaneous Costs | $500 | $1K | |
| Additional Funds | $2K | $2K | |
| Initial (Grand Opening) Marketing | $10K | $25K | |
| Total initial investment | $122K | $351K |
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
- $121K – $351K
- Better than avg vs category
- Liquid capital req'd
- $10K – $30K
- Better than avg vs category
- Franchise fee
- $25K – $25K
- Better than avg vs category
- Royalty
- greater of 5.0% of Gross Sales or $400.00
- Ad fund
- 3.5%
- typical 3–5%
- Total fee load
- 8.5%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty (flat) | greater of 5.0% of Gross Sales or $400.00 |
| Marketing / ad fund | 3.5% of gross sales |
| Transfer fee | $5K |
| Renewal fee | $5K |
| Total fee load | 8.5% of rev |
Financial Performance
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
vs Quick-Service Restaurants averages
How Snappy Tomato Pizza Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 43
- Opened
- 0
- Last reporting year
- Closed
- 1
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 2.3%
- Company-owned
- 2
- Corporate units in the system
- % franchised
- 95%
- vs corporate-owned
- Net growth (yr3)
- -2.4%
- Net unit change last year
- 3-yr CAGR
- -2.4%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 2
- Projected new
- 2
- Franchisor's next-year forecast
- Transfer rate
- 4.7%
- Owners selling to other franchisees
- Ceased ops
- 2.3%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 12 · 5 states reported
The Territory Map
FDD Item 12 reports the state count, but the specific list isn't in our current data. The map will appear once we re-extract from the FDD or enough franchisee contacts are available.
5
states with franchisees (per FDD Item 12)
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 30
- Loan volume
- $4.0M
- Median loan
- $82K
- 50th percentile
- Charge-off rate
- 20.0%
- 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)
- 77.3%
- 5-yr charge-off
- N/A
- Loans approved 2021+
- Active lenders
- 21
- Defaults
- 5
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into Snappy Tomato Pizza's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 5 lenders with concentration factor
- Per-state charge-off rates across 4 states
- Startup risk premium and job creation velocity
- 5-year lending trend
Instant access. No subscription.
A 20.0% charge-off rate means roughly 1 in 5 franchisees failed to repay their SBA loan. Investigate what changed.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Snappy Tomato presents meaningful risk due to unit decline, undisclosed financials, and insufficient scale—requiring extensive franchisee validation before commitment.
Litigation (Item 3)
No litigation information provided in Item 3
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Rudler, PSC
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: No
- Kickbacks from required suppliers: Yes
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 62 / 100 rating
- 01MINORUnit count declining 2.4% YoY indicates shrinking franchise system with potential maturity or performance issues
- 02MEDNo disclosed average revenue or net income (Item 19 missing) prevents accurate ROI assessment and profitability validation
- 03MINORHigh royalty floor of $400/month ($4,800 annually) creates break-even pressure for lower-volume locations
- 04MINORWide investment range ($120,500-$351,000) suggests inconsistent build-out costs and unclear capital requirements
- 05MINORSmall unit base of 43 locations limits brand recognition, purchasing power, and support infrastructure
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 | 5 years |
| Allowed renewalsℹ | 3 |
| Territory type | Radius |
| Protected territory | Yes |
| Exclusive territoryℹ | Yes |
| Territory radius | 2.5 mi |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | Yes |
| RoFR response window | 45 days |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Arbitration location | Kenton County, Kentucky |
| Jury trial waiver | Yes |
| Governing law | Kentucky |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation information provided in Item 3
Items 10, 11
Training & Operations
- Classroom training
- 13 hrs
- On-the-job training
- 288 hrs
- Ongoing training
- Required
Items 5 & 11
Franchisor Support
Item 20 · call current owners
Franchisee Contacts
3 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Snappy Tomato Pizza · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Snappy Tomato Pizza franchise?
The total investment to open a Snappy Tomato Pizza franchise ranges from $121K – $351K, with an initial franchise fee of $25K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Snappy Tomato Pizza franchise owners earn?
Snappy Tomato Pizza 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 Snappy Tomato Pizza's franchise failure rate?
Based on SBA 7(a) loan data, Snappy Tomato Pizza has a charge-off rate of 20.0% across 30 loans, meaning 20.0% 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 Snappy Tomato Pizza franchise locations are there?
As of their most recent FDD filing, Snappy Tomato Pizza has 43 total units in the United States, including 41 franchised units and 2 company-owned units.
Is Snappy Tomato Pizza a good franchise to buy?
FranchiseVerdict rates Snappy Tomato Pizza as a B-grade franchise with a risk score of 62 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.