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indicates the clear winner per row. Ties and missing data are not highlighted.
How winners are chosen
Lower is better for investment, liquid capital, franchise fee, royalty and ad-fund rates, SBA charge-off rate, and owner turnover.
Higher is better for disclosed revenue and owner earnings, verdict score, total units, net unit growth, and franchisee contacts. For the letter grade, A ranks highest.
A row is highlighted only when one brand clearly leads. Ties are never highlighted, and missing data never counts as a win. Some rows (earnings-metric type, loan counts, contract terms) are informational and have no winner.
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| Brand |  AStrongest tierMcDonald’s Quick-Service Restaurants Remove |  AStrongest tierChick-fil-A Quick-Service Restaurants Remove |  AStrongest tierSubway Quick-Service Restaurants Remove |
|---|---|---|---|
| Vitals | |||
Investment range | $1.5M – $2.8M | $586K – $3.4M | $239K – $537K |
Liquid capital | $250K – $452K | $149K – $951K | $15K – $45K |
Franchise fee | $45K | $10K | $15K |
Royalty rate | 5.0% | 10.0% | 8.0% |
Ad fund rate | 4.0% | 0.0% | 4.5% |
| Performance | |||
Avg gross sales | $4.1M | $9.3M | N/A |
Median gross sales | $3.9M | $9.2M | N/A |
Avg owner earnings Metric varies by brand. Check type below | N/A | N/A | N/A |
Earnings metric | Operating Income | Not classified | Not classified |
| Risk | |||
Rating | AStrongest tier | AStrongest tier | AStrongest tier |
Verdict score | 76 / 100 | 86 / 100 | 73 / 100 |
SBA charge-off rate | 16.7% | N/A | 6.8% |
SBA loans on record | 24 | 2 | 6,096 |
| Scale | |||
Total units | 13,706 | 2,684 | 18,773 |
Net change (latest yr) | N/A | N/A | N/A |
Turnover rate | 0.8% | 4.5% | 5.7% |
| Contract | |||
Initial term (years) | 20 | 1 | 20 |
Renewal term (years) | N/A | 1 | 20 |
Initial training (hrs) | 548 | 102 | 144 |
| Contacts | |||
Franchisee phones | 12,345 | 2,139 | 33 |
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