Lendio vs Brightway Insurance
Franchise Comparison 2026
Both Lendio and Brightway Insurance are financial services franchises. Lendio requires an investment of $46K – $117K while Brightway Insurance requires $23K – $137K. Brightway Insurance has SBA lending data on file with a 18.2% charge-off rate. FranchiseVerdict rates Lendio A (Strongest tier) and Brightway Insurance B (Above average).
| Metric | Lendio | Brightway Insurance |
|---|---|---|
| Verdict Grade | AStrongest tier | BAbove average |
| Investment Range | $46K – $117K | $23K – $137K |
| Franchise Fee | $35KConditional fee | $25K |
| Royalty Rate | 30.0% | No traditional royalty; instead Brightway retains 20% of Brightway Sales Commissions on New Business (franchisee retains 80%) and 50% on Renewal Business (franchisee retains 50%), paid directly by Contracted Companies to Brightway. |
| Average Revenue (Item 19) | N/ANo Item 19 representation | N/AOutlet subset |
| SBA Charge-Off Rate | N/A | 18.2% (11 loans) |
| Total Units | 121 | 341 |
| Unit Growth (YoY) | +54 units | +3 units |
| Year Began Franchising | 2016 | 2008 |
| FDD Year | 2022 | 2025 |
Investment Range
$46K – $117K
$23K – $137K
Franchise Fee
$35KConditional fee
$25K
Royalty Rate
30.0%
No traditional royalty; instead Brightway retains 20% of Brightway Sales Commissions on New Business (franchisee retains 80%) and 50% on Renewal Business (franchisee retains 50%), paid directly by Contracted Companies to Brightway.
Average Revenue (Item 19)
N/ANo Item 19 representation
N/AOutlet subset
SBA Charge-Off Rate
N/A
18.2% (11 loans)
Total Units
121
341
Unit Growth (YoY)
+54 units
+3 units
Year Began Franchising
2016
2008
FDD Year
2022
2025