Vitality Bowls Franchise Cost, Revenue & Review 2026
- Investment
- $209K – $683K
- Disclosed sales
- $592K
- gross sales, not profit
- SBA charge-off
- 19.0%
- on 40 loans
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
Vitality Bowls is a superfood fast-casual franchise known for acai bowls, smoothies, and health-focused fare. Franchisees run the cafes, handling food prep, staffing, and service in high-traffic retail locations.
FranchiseVerdict summary · 2026
A Vitality Bowls franchise requires a total initial investment of $209K – $683K, including a $20K – $40K franchise fee and an ongoing 6.0% royalty[2]. Per the 2025 FDD, average unit revenue was $592K[2]. SBA 7(a) loans show a 19.0% charge-off rate across 40 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: medium - issued 12 to 24 months ago; a newer filing is likely on file
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 scored8 of 8 headline figures on this page cite a page of the filing.
Overview
- Investment
- $209K – $683K
- 26th pct Service Resta…
- Avg gross sales
- $592K
- 7th pct Service Resta…
- Royalty
- 6.0%
- 48th pct Service Resta…
- Units
- 70
- 71st pct Service Resta…
- SBA charge-off
- 19.0%
- % 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 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 $209K – $683K including a $40K franchise fee, 6.0% ongoing royalty.
- RETURNSAverage unit revenue of $592K/year (median $565K).
- RISKVerdict B (Above average), verdict score 53/100 (higher is better). SBA loan charge-off rate of 19.0% across 40 loans (above the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2025).
- GROWTHPositive: net +6 franchised outlets in the latest year (8 opened, 2 closed); 23 signed but not yet open (Item 20).
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- VB Prime Inc.
- Parent company
- Vitality Bowls Inc.
- FDD Item 1, page 10 of the 2025 FDD
- Predecessor
- Vitality Bowls Enterprises, LLC
- Prior franchisor entity
- CEO title
- Co-Founder, Chief Executive Officer and Chairman of the Board
- Roy Gilad
- Incorporated in
- Delaware
- HQ
- 156 Diablo Road, Suite 120, Danville, CA 94526
- Auditor
- Kezos & Dunlavy
- Audited financials
- Franchisor revenue
- $3.5M
- vs $3.1M prior year
Independent franchisee associations
- Franchise Advisory Council (FAC)
Franchisee-led councils or alliances disclosed in Item 20. Indicates operator voice.
Affiliated brands
- of VBP
Other brands the franchisor or its parent operates (Item 1).
Overview
About
- CEO
- Roy Gilad
- Headquarters
- CA
- Founded
- 2013
- FDD year
- 2025
- States available
- 17
Can you afford it, and what does the money buy?
Entry cost runs 8% below the typical quick-service restaurants franchise.
Source: FDD 2025 · Items 5–7
Full Item 7 breakdown14 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Feenot refundable | $40K | $40K | |
| Rent, Security Deposit, Utility Deposit | $2K | $15K | |
| Leasehold Improvements | $45K | $388K | |
| Furniture, Fixtures and Equipment | $48K | $67K | |
| Initial Inventory and Supplies | $3K | $12K | |
| Insurance | $5K | $10K | |
| Business Licenses and Permits | $3K | $15K | |
| Professional Fees | $2K | $10K | |
| Signage | $2K | $15K | |
| Computer and Software | $8K | $12K | |
| Grand Opening Promotion | $10K | $15K | |
| Training Expenses | $1K | $3K | |
| Training Wages | $2K | $5K | |
| Additional Funds - 3 Months | $39K | $77K | |
| Total initial investment | $209K | $683K |
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
- $209K – $683K
- Top 40% of category vs category
- Liquid capital req'd
- $39K – $77K
- Bottom third — review vs category
- Franchise fee
- $20K – $40K
- Middle of category vs category
- Royalty
- 6.0%
- typical 6–8%
- Ad fund
- 2.0%
- typical 3–5%
- Total fee load
- 8.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 6.0% of gross sales |
| Marketing / ad fund | 2.0% of gross sales |
| Technology fee | $125 |
| Transfer fee | $24K |
| Renewal fee | $10K |
| Total fee load | 8.0% of rev |
What do units actually make?
Average unit sales run 39% below the quick-service restaurants norm.
Source: FDD 2025 · 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 Vitality Bowls 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
$503K
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 Vitality Bowls 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: 2025 FDD
Financial Performance
- Avg gross sales
- $592K
- Per unit, per year
- Median gross sales
- $565K
Gross sales are revenue before expenses — not profit. Actual owner earnings depend on rent, labor, royalties, marketing fees, and debt service.
- Item 19 type
- historical average gross sales
- Sample size
- 58 outlets
- vs category median 19 · large
- Range (low → high)
- $250K→$1.3MCited, not corroborated — printed on page 57 of the 2025 FDD. Nothing else in our record independently restates or re-derives it.
- Cohort dispersion (min → max)
- Reporting year
- 2024
- Fiscal year the figures cover
- Source filing
- FDD 2025
- Disclosed in the 2025 filing, covering 2024
- Transparency
- 4 / 10
- vs category median 4 / 10 · typical
Compared against 781 Quick-Service Restaurants brands
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 $592K/year in gross sales. Revenue-to-investment ratio: 1.3x.
Fee burden
Total ongoing fee load of 8.0% (near the Quick-Service Restaurants median).
Disclosure
Transparency score 4/10 — 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 Quick-Service Restaurants medians
How Vitality Bowls Compares
Category median of published Quick-Service Restaurants 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 2025 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 70
- Opened
- 8
- Last reporting year
- Closed
- 2
- Non-renewed
- 1
- Term expired, not renewed (per Item 20)
- Turnover rate
- 2.9%
- Company-owned
- 5
- Corporate units in the system
- % franchised
- 1%
- vs corporate-owned
Last fiscal year · Item 20 exits and transfers
- Not renewed
- 1
- Signed, not yet open
- 23
- 0.33 per open outlet · Item 20 Table 5
- Projected new
- 14
- Franchisor's next-year forecast
- Termination rate
- 7.1%
- Franchisor-initiated terminations
- Ceased ops
- 5.7%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 12 · 17 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.
17
states with franchisees (per FDD Item 12)
Where the owners are · Item 20 owner list
1 current owner across 1 state.
- IN 1
Counts only, from the list the franchisor prints in Item 20; 62 entries carry no state. 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
- 40
- Loan volume
- $11.0M
- Median loan
- $270K
- 50th percentile
- Charge-off rate
- 19.0%
- on 40 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)
- 81.0%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 20
- Defaults
- 4
- Typical loan rate
- 7.7%
- avg rate to borrowers
- Franchised industry avg
- 10.8%
- brand above franchise avg ↑
- Jobs supported
- 652
- 5.9 per loan
- Lender concentration
- 28%
- top lender's share
Borrower mix: 83% went to startups / new businesses, 17% 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.
Vintage analysis
Vitality Bowls charge-off rate by loan vintage
Top lenders financing Vitality Bowls franchisees
Showing 3 of 20 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 Vitality Bowls from SBA 7(a) FOIA data.
- Principal loss rate
- 3.4%
- Avg SBA guarantee
- 73%
- Avg interest rate
- 7.70%
- Avg chargeoff amount
- $95K
- Lender concentration
- 27.5%
- Job velocity
- 5.9 per $100K
- NAICS benchmark
- 8.7%
- NAICS 722513
- Jobs supported
- 652
Top SBA lendersTop lender holds 28% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | Stearns Bank National Association | 11 | $2.3M | 12.5% |
| 2 | The Huntington National Bank | 7 | $1.8M | N/A |
| 3 | Celtic Bank Corporation | 2 | $631K | 0.0% |
| 4 | First Bank of the Lake | 2 | $1.1M | N/A |
| 5 | SouthWest Bank | 2 | $543K | N/A |
| 6 | U.S. Bank, National Association | 2 | $100K | 0.0% |
| 7 | Ameris Bank | 1 | $260K | N/A |
| 8 | Banner Bank | 1 | $340K | 0.0% |
| 9 | Heritage Bank of Commerce | 1 | $264K | 100.0% |
| 10 | City Bank | 1 | $200K | 0.0% |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| CACalifornia | 13 | 3 | 30.0% |
| TXTexas | 11 | 0 | 0.0% |
| COColorado | 2 | 0 | 0.0% |
| CTConnecticut | 2 | 0 | -- |
| MIMichigan | 2 | 0 | -- |
| NCNorth Carolina | 2 | 0 | -- |
| WAWashington | 2 | 0 | 0.0% |
| FLFlorida | 1 | 0 | -- |
| GAGeorgia | 1 | 0 | -- |
| KSKansas | 1 | 1 | 100.0% |
SBA 7(a) lending trend
Borrower profile
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
What could kill this investment?
SBA loans charge off at 19.0% — 19% 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
Litigation (Item 3)
Subject: the franchisor is a named party (defendant).
SEAS LLC arbitration (franchisee claims fraud/misrep, settled 2021 for $162,584); Maxsam Partners LLC arbitration/lawsuit (franchisee/area developer dispute, settled 2016 for $500,000 plus $300,000 for franchise transfer)
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Kezos & Dunlavy
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: No
- Restricted to system-approved products: No
Score breakdown · what drove the 53 / 100 verdict
- 01MINORNegative net worth -$910,311, net loss -$142,351
- 02HIGHTwo settled arbitrations, one alleging fraud ($162,584), one ~$800K
- 03MINORNet unit growth -5.4%
Severity inferred from the FDD text · not a regulatory classification
What are you signing up for?
Ongoing fees run about 8.0% 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 | 10 years |
| Allowed renewalsℹ | 2 |
| Territory type | Protected territory |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Territory radius | 1 mi |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 25 mi |
| Right of first refusalℹ | Yes |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Curable defaultsℹ | 1 |
| Mandatory arbitration | Yes |
| Arbitration location | Danville, California |
| Governing law | California |
| Litigation count | 2 |
View Item 3 litigation summary
SEAS LLC arbitration (franchisee claims fraud/misrep, settled 2021 for $162,584); Maxsam Partners LLC arbitration/lawsuit (franchisee/area developer dispute, settled 2016 for $500,000 plus $300,000 for franchise transfer)
Items 10, 11
Training & Operations
- Classroom training
- 12 hrs
- On-the-job training
- 48 hrs
- Training location
- On-site at Restaurant
- Ongoing training
- Required
- Field support
- 7 hrs/yr
- On-site visits per year
- Site selection
- franchisee selects, franchisor approves
- Franchisor financing
- Not offered
- Item 10
Items 5 & 11
Franchisor Support
Item 20 · call current owners
Franchisee Contacts
63 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 Vitality Bowls franchise?
The total investment to open a Vitality Bowls franchise ranges from $209K – $683K, with an initial franchise fee of $40K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Vitality Bowls franchise owners earn?
According to Item 19 of the Vitality Bowls FDD, the average gross sales per unit is $592K. The median is $565K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
Who owns Vitality Bowls?
Vitality Bowls is franchised by VB Prime Inc.. Its parent company is Vitality Bowls Inc.. Source: FDD Item 1, 2025 filing.
What is Item 19 in the Vitality Bowls 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 Vitality Bowls FDD and qualifies whose outlets they describe.
What is Vitality Bowls's franchise failure rate?
Based on SBA 7(a) loan data, Vitality Bowls has a charge-off rate of 19.0% across 40 loans, meaning 19.0% 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 Vitality Bowls franchise locations are there?
As of their most recent FDD filing, Vitality Bowls has 70 total units in the United States, including 65 franchised units and 5 company-owned units. 8 new units were opened in the latest reporting year.
Is Vitality Bowls a good franchise to buy?
FranchiseVerdict rates Vitality Bowls as a B-grade franchise with a verdict score of 53 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
Are you the franchisor?
If you represent Vitality Bowls, you can request corrections or provide updated information.
Other Quick-Service Restaurants franchises
Compare similar franchise opportunities in the Quick-Service Restaurants category
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.