Tommy’s Express Franchise Cost, Revenue & Review 2026
- Investment
- $3.5M – $11.8M
- Disclosed sales
- $1.7M
- gross sales, not profit
- SBA charge-off
- 0.0%
- on 23 loans
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
Tommy's Express is an express tunnel car-wash franchise known for its fast, modern, membership-driven washes. Franchisees own and operate a high-throughput car wash managing equipment, unlimited-wash memberships, and staff.
FranchiseVerdict summary · 2026
A Tommy’s Express franchise requires a total initial investment of $3.5M – $11.8M, including a $50K franchise fee and an ongoing 4.0% royalty[2]. Per the 2026 FDD, average unit revenue was $1.7M[2]. SBA 7(a) loans show a 0.0% charge-off rate across 23 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 scored5 of 6 headline figures on this page cite a page of the filing; the rest are marked “Not cited” beside the figure.
Overview
- Investment
- $3.5M – $11.8M
- 89th pct Cleaning & Ma…
- Avg gross sales
- $1.7M
- Outlet subset28th pct Cleaning & Ma…
- Royalty
- 4.0%
- 3rd pct Cleaning & Ma…
- Units
- 260
- 76th pct Cleaning & Ma…
- SBA charge-off
- 0.0%
- % of SBA 7(a) loans not repaid · median varies by category
Quick verdict · Cleaning & Maintenance · color = vs category peers
Green = favorable by >10% vs Cleaning & Maintenance 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 $3.5M – $11.8M including a $50K franchise fee, 4.0% ongoing royalty.
- RETURNSAverage unit revenue of $1.7M/year (reported for a subset of outlets rather than the whole system).
- RISKVerdict B (Above average), verdict score 69/100 (higher is better). SBA loan charge-off rate of 0.0% across 23 loans (well below the franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- GROWTHPositive: net +38 franchised outlets in the latest year (46 opened, 8 closed) (Item 20).
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- Tommy's Express LLC
- Parent company
- Tommy Enterprises, Inc.
- FDD Item 1, page 9 of the 2026 FDD
- CEO title
- Chief Executive Officer
- Alex Lemmen
- Incorporated in
- Michigan
- HQ
- 648 South Point Ridge, Holland, Michigan 49423
- Auditor
- Doeren Mayhew
- Audited financials
- Franchisor revenue
- $25.7M
- vs $23.0M prior year
Overview
About
- CEO
- Alex Lemmen
- Headquarters
- Michigan
- Founded
- 2015
- FDD year
- 2026
- States available
- 30
Can you afford it, and what does the money buy?
Entry cost runs 4426% above the typical cleaning & maintenance franchise.
Source: FDD 2026 · Items 5–7
FDD Item 7 · 2026 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $50K | $50K |
| Working capital (3–6 mo) | $100K | $500K |
| Equipment, build-out, other | $3.3M | $11.3M |
| Total initial investment | $3.5M | $11.8M |
Source: Tommy’s Express 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
- $3.5M – $11.8M
- Bottom third — review vs category
- Liquid capital req'd
- $100K – $500K
- Bottom third — review vs category
- Franchise fee
- $50K – $50K
- Middle of category vs category
- Royalty
- 4.0%
- typical 6–8%
- Ad fund
- 1.0%
- typical 3–5%
- Total fee load
- 5.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 4.0% of gross sales |
| Marketing / ad fund | 1.0% of gross sales |
| Technology fee | $119 |
| Training fee | $200 |
| Transfer fee | $10K |
| Renewal fee | $3K |
| Total fee load | 5.0% of rev |
A 5.0% total fee load is unusually lean. More of each revenue dollar stays with the franchisee.
What do units actually make?
Average unit sales run 219% above the cleaning & maintenance norm.
Reported for a subset of outlets rather than the whole system
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 Tommy’s Express 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
$8.0M
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 Tommy’s Express 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
Reported for a subset of outlets rather than the whole system
- Avg gross sales
- $1.7M
- Per unit, per year
Gross sales are revenue before expenses — not profit. Actual owner earnings depend on rent, labor, royalties, marketing fees, and debt service.
- Item 19 type
- historic gross sales by tenure cohort
- Sample size
- 197 outlets
- vs category median 32 · large
- Quartile band
- $817K→$2.7M
- Bottom 25% → top 25%
- Reporting year
- 2025
- Fiscal year the figures cover
- Source filing
- FDD 2026
- Disclosed in the 2026 filing, covering 2025
- Transparency
- 6 / 10
- vs category median 4 / 10 · above
Compared against 191 Cleaning & Maintenance brands
Revenue is only 0.2x the investment. This means each unit may take 5+ years to recoup the initial outlay at typical margins.
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 $1.7M/year in gross sales. Revenue-to-investment ratio: 0.2x. Reported for a subset of outlets rather than the whole system.
Fee burden
Total ongoing fee load of 5.0% — below the Cleaning & Maintenance median of 8.3%.
Disclosure
Transparency score 6/10 — this franchisor discloses detailed breakdowns (quartiles, segments, or cohort data). Buyers can model unit economics with higher confidence.
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 Cleaning & Maintenance medians
How Tommy’s Express Compares
Category median of published Cleaning & Maintenance 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
- 260
- Opened
- 46
- Last reporting year
- Closed
- 8
- Terminated
- 1
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 3.1%
- Company-owned
- 16
- Corporate units in the system
- % franchised
- 94%
- vs corporate-owned
Last fiscal year · Item 20 exits and transfers
- Terminated
- 1
- Not renewed
- 0
- Transferred
- 13
- Reacquired
- 6
- Franchisor bought back
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 19 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.
Available to sell in · Item 12
- Illinois
- Michigan
- Wisconsin
States where the franchisor is registered to sell new franchises (FDD registration filings).
Where the owners are · Item 20 owner list
100 current owners across 19 states.
- FL 19
- MI 10
- KS 9
- MN 9
- IA 8
- NE 8
- AR 5
- GA 5
- IL 5
- CA 4
- LA 4
- MO 4
- +7 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.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 23
- Loan volume
- $82.8M
- Median loan
- $4.3M
- 50th percentile
- Charge-off rate
- 0.0%
- on 23 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)
- 100.0%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 10
- Defaults
- 0
- Typical loan rate
- 6.6%
- avg rate to borrowers
- vs industry
- N/A
- NAICS 8111
- Jobs supported
- 361
- 0.4 per loan
- Lender concentration
- 39%
- top lender's share
Borrower mix: 87% went to startups / new businesses, 13% to established operators
Vintage analysis
Tommy’s Express charge-off rate by loan vintage
Top lenders financing Tommy’s Express franchisees
Showing 3 of 10 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 Tommy’s Express from SBA 7(a) FOIA data.
- Principal loss rate
- 0.0%
- Avg SBA guarantee
- 73%
- Avg interest rate
- 6.64%
- Lender concentration
- 39.1%
- Job velocity
- 0.4 per $100K
- Jobs supported
- 361
Top SBA lendersTop lender holds 39% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | 9 | N/A | N/A | |
| 2 | 3 | N/A | N/A | |
| 3 | 2 | N/A | N/A | |
| 4 | 2 | N/A | N/A | |
| 5 | 2 | N/A | N/A |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| MIMichigan | 4 | 0 | 0.0% |
| CACalifornia | 3 | 0 | 0.0% |
| TXTexas | 3 | 0 | 0.0% |
| FLFlorida | 2 | 0 | 0.0% |
| MNMinnesota | 2 | 0 | -- |
| ALAlabama | 1 | 0 | -- |
| DEDelaware | 1 | 0 | 0.0% |
| GAGeorgia | 1 | 0 | -- |
| ILIllinois | 1 | 0 | 0.0% |
| LALouisiana | 1 | 0 | 0.0% |
SBA 7(a) lending trend
Borrower profile
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
With a 0.0% charge-off rate across 23 loans, banks have historically viewed this brand favorably for lending.
What could kill this investment?
SBA loans charge off at 0.0% — 100% below the 16.0% national norm, i.e. lower 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
Litigation (Item 3)
Subject: officers or affiliates. The franchisor is not a named party in these cases.
All three disclosed matters are state regulatory/administrative franchise-registration enforcement actions (not private civil litigation): (1) California DFPI consent order re: CFIL violations, $11,000 penalty; (2) Maryland Securities Commissioner consent order re: 3 unregistered franchise sales (2018, 2021, 2023), $5,000 penalty plus rescission offer; (3) Minnesota Commissioner of Commerce consent order re: franchise sales before registration renewal, $2,000 penalty against franchisor and principal Ryan Essenburg.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Doeren Mayhew
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: Yes
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 69 / 100 verdict
- 01MINOR3 state regulatory consent orders (unregistered franchise sales)
- 02HIGHNondisclosure of officer bankruptcy in CA applications
- 03MINORStrong net worth $3.97M, net income $2.98M
- 04MINORAUV $1,436,290, +110% growth
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 5.0% 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 | 10 years |
| Allowed renewalsℹ | 3 |
| Territory type | Protected territory |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 20 mi |
| Right of first refusalℹ | Yes |
| Transfer requires consent | Yes |
| Termination notice | 15 days |
| Termination groundsℹ | 2 |
| Mandatory arbitration | Yes |
| Arbitration location | Michigan (within 15 miles of franchisor's headquarters, Holland, Michigan) |
| Jury trial waiver | Yes |
| Governing law | Michigan |
| Litigation count | 3 |
View Item 3 litigation summary
All three disclosed matters are state regulatory/administrative franchise-registration enforcement actions (not private civil litigation): (1) California DFPI consent order re: CFIL violations, $11,000 penalty; (2) Maryland Securities Commissioner consent order re: 3 unregistered franchise sales (2018, 2021, 2023), $5,000 penalty plus rescission offer; (3) Minnesota Commissioner of Commerce consent order re: franchise sales before registration renewal, $2,000 penalty against franchisor and principal Ryan Essenburg.
Items 10, 11
Training & Operations
- Classroom training
- 60 hrs
- On-the-job training
- 180 hrs
- Training location
- Holland, Michigan (headquarters) and an operating Tommy's Express business or affiliate-owned car wash
- Franchisor financing
- Not offered
- Item 10
- POS system
- Tommy’s proprietary point-of-sale system
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Tommy’s proprietary point-of-sale system
Item 20 · call current owners
Franchisee Contacts
100 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 Tommy’s Express franchise?
The total investment to open a Tommy’s Express franchise ranges from $3.5M – $11.8M, with an initial franchise fee of $50K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Tommy’s Express franchise owners earn?
According to Item 19 of the Tommy’s Express FDD, the average gross sales per unit is $1.7M. Important context: Reported for a subset of outlets rather than the whole system. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
Who owns Tommy’s Express?
Tommy’s Express is franchised by Tommy's Express LLC. Its parent company is Tommy Enterprises, Inc.. Source: FDD Item 1, 2026 filing.
What is Item 19 in the Tommy’s Express 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 Tommy’s Express FDD and qualifies whose outlets they describe.
What is Tommy’s Express's franchise failure rate?
Based on SBA 7(a) loan data, Tommy’s Express has a charge-off rate of 0.0% across 23 loans, meaning 0.0% 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 Tommy’s Express franchise locations are there?
As of their most recent FDD filing, Tommy’s Express has 260 total units in the United States, including 244 franchised units and 16 company-owned units. 46 new units were opened in the latest reporting year.
Is Tommy’s Express a good franchise to buy?
FranchiseVerdict rates Tommy’s Express as a B-grade franchise with a verdict score of 69 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.