Snappy Tomato Pizza Franchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
Snappy Tomato Pizza is a quick-service pizza franchise offering pizza, sandwiches, and salads for dine-in, carryout, and delivery. Franchisees run the restaurants, managing food prep, staffing, and local marketing.
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]. FranchiseVerdict grade: B (Above average), an editorial assessment, not investment advice. Run a live ROI scan →
Data last verified · figures per the 2025 FDD issuance
Overview
- Investment
- $121K – $351K
- 11th pct Service Resta…
- Avg gross sales
- N/A
- 48th pct Service Resta…
- Royalty
- N/A
- Units
- 43
- 57th pct Service Resta…
- SBA charge-off
- 20.0%
- % 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 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
- 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), verdict score 49/100 (higher is better). SBA loan charge-off rate of 20.0% across 30 loans (above the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- System contracting at -6.8% 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
- Snappy Tomato Pizza Company
- Predecessor
- Spooner's Pizzeria, Inc. and Snappy Tomato Pizza International, Inc.
- Prior franchisor entity
- CEO title
- Chief Executive Officer/Director
- Tim Gayhart
- CEO experience
- 32 yrs
- Years in role or industry
- Incorporated in
- Kentucky
- HQ
- 6111 Burgundy Hill Drive, Burlington, Kentucky 41005
- Auditor
- Rudler, PSC
- Audited financials
- Franchisor revenue
- $2.5M
- vs $2.6M prior year
Overview
About
- CEO
- Tim Gayhart
- Headquarters
- KY
- FDD year
- 2025
- States available
- 5
Can you afford it, and what does the money buy?
Entry cost runs 63% below the typical quick-service restaurants franchise.
Source: FDD 2025 · Items 5–7
Full Item 7 breakdown10 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
- Top 40% of category vs category
- Liquid capital req'd
- $10K – $30K
- Top 40% of category vs category
- Franchise fee
- $25K – $25K
- Top 40% of category 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.
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 8.5% (near the Quick-Service Restaurants average).
Disclosure
Franchisor chose not to disclose financial performance representations. You will need to gather unit economics directly from existing franchisees.
Operator retention
System contracting at -6.8% 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 averages
How Snappy Tomato Pizza Compares
Is the system healthy?
Source: FDD 2025 · Item 20
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
- 2.4%
- Company-owned
- 2
- Corporate units in the system
- % franchised
- 95%
- vs corporate-owned
- Net growth (3-yr)
- -6.8%
- Net unit change over 3 years
- 3-yr CAGR
- -6.8%
- Compounded over last 3 years
3-year detail · Item 20
- Opened (3yr)
- 0
- Closed (3yr)
- 1
- Terminated (3yr)
- 0
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 1
- Reacquired (3yr)
- 0
- Franchisor bought back
- 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)
- 80.0%
- 5-yr charge-off
- N/A
- Loans approved 2021+
- Active lenders
- 21
- Defaults
- 5
- Typical loan rate
- 6.8%
- avg rate to borrowers
- Franchised industry avg
- 10.8%
- brand above franchise avg ↑
- Jobs supported
- 76
- 5.6 per loan
- Lender concentration
- 20%
- top lender's share
Borrower mix: 0% went to startups / new businesses, 100% to established operators
Franchise vs independent — in limited-service restaurants, franchised businesses charge off at 10.8% vs 10.0% for independents — franchising is associated with 8% higher SBA default risk in this category.
Top lenders financing Snappy Tomato Pizza franchisees
Showing 3 of 21 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 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.
What could kill this investment?
SBA loans charge off at 20.0% — 25% 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
Financially healthy franchisor: positive net worth $1,507,061 and net income $278,472 on $2,632,947 revenue, no litigation or bankruptcy. Sole concern is no Item 19 disclosure and slight system contraction (net growth -6.8%). Mature system since 1993 with 43 units and very low 2.4% turnover.
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 49 / 100 verdict
- 01MINORNo Item 19 disclosure
- 02MINORNet growth -6.8% (mild contraction)
- 03MINORPositive net worth $1.5M, positive net income $278K, no litigation, audited
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 8.5% of sales (royalty + ad fund), before rent and labor.
Source: FDD 2025 · Items 11, 12, 17
FDD Items 12, 15, 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 verdict score of 49 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?
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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.