A31/100FDD 2026
TruBlue Home Service Ally — Litigation & Risk
Home Services - Other · FDD Items 3, 4 & 5
Moderate — Review
3 cases disclosed in FDD Items 3 and 4.
Source: FDD Items 3–5
FDD Items 3 & 4
Litigation Metrics
Cases disclosed
3
Total from FDD Items 3 and 4
Bankruptcy (Item 4)
—
Franchisor or officer bankruptcy
Overall risk score
31 / 100
FranchiseVerdict composite
Rating
STRONG
STRONG / MODERATE / CAUTION / AVOID
7(a) FOIA data · FY2020–present
SBA Loan Performance
Aggregated from public SBA 7(a) loan disclosures. Default rate is the share of loans that were charged off or settled for less than the full balance.
Total 7(a) loans
24
Government-backed loans issued
Default rate
0.0%
vs <3% typical · system-wide
5-yr default rate
—
Defaults
0 loans
Loans charged off or defaulted
FDD Items 5, 6 & 17 — what you give up
Contract Risk Indicators
Mandatory arbitration
Required
Disputes resolved outside court — limits your legal options
Jury trial waiver
Waived
You give up the right to a jury trial
Non-compete
2 yrs
Post-termination restriction on similar businesses
Franchisor can compete
Yes
Franchisor can open competing locations in or near your territory
Right of first refusal
Yes
Franchisor can match any purchase offer when you try to sell
Governing law
Ohio
State whose law governs disputes — relevant if you're not based there
What drove the 31/100 rating
Risk Score Breakdown
- 01HIGHLitigation history involving disclosure failures (officer bankruptcies) and regulatory non-compliance (unregistered CPA) suggests governance and transparency issues
- 02MEDNo Item 19 (Average Unit Volume) disclosed despite $438,095 average revenue claim — inability or unwillingness to provide audited financial performance is a major transparency red flag
- 03MINORRoyalty structure with $1,000/month minimum (12% annualized on $100K revenue) creates cash flow burden for struggling locations; breakeven analysis unclear
- 04HIGH29.8% YoY unit growth is strong but unverified — litigation history raises questions about accuracy of franchisor-reported metrics
- 05MEDHigh initial investment ($70K-$96K) relative to disclosed average revenue without net income data means ROI timeline is completely opaque
Severity inferred from FDD text — not a regulatory or legal classification
Litigation data from FDD Items 3, 4, and 5. SBA data from public 7(a) FOIA records (FY2020–present). Not legal advice — consult a franchise attorney before signing any franchise agreement.