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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
28 / 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
137
Government-backed loans issued
Default rate
5.9%
vs <3% typical · system-wide
5-yr default rate
0.0%
Defaults
5 loans
Loans charged off or defaulted
Total loan volume
$69.4M
Avg loan size
$507K
Participating lenders
43
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
Georgia
State whose law governs disputes — relevant if you're not based there
What drove the 28/100 rating
Risk Score Breakdown
- 01HIGHParent company litigation history involving no-poaching clauses and cybersecurity breaches raises questions about franchise agreement enforceability and data security protocols
- 02MINORHigh initial investment range ($92K-$506K) with 6% royalty creates break-even pressure; average net income of $341K suggests 12-18 month ROI at best for lower-end franchises
- 03MEDModest unit growth of 8.0% YoY is healthy but not exceptional; system maturity suggests limited expansion upside and increased reliance on same-unit sales growth
- 04MINORNo Item 19 (Financial Performance Representations) in FDD limits ability to validate claimed average revenue of $2.86M across 339 units with wide investment range
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.