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 $35K – $137K. Brightway Insurance discloses average revenue of $906K; Lendio does not report Item 19 data. Brightway Insurance has SBA lending data on file with a 18.2% charge-off rate. FranchiseVerdict rates Lendio A (Top Quintile) and Brightway Insurance D (Below Average).
| Metric | Lendio | Brightway Insurance |
|---|---|---|
| Verdict Grade | ATop QuintileTop Quintile | DBelow AverageBelow Average |
| Investment Range | $46K – $117K | $35K – $137K |
| Franchise Fee | $46K | $25K |
| Royalty Rate | 30.0% | Franchisor retains 20% of New Business commissions and 50% of Renewal Business commissions |
| Average Revenue (Item 19) | N/A | $906K |
| SBA Charge-Off Rate | N/A | 18.2% (11 loans) |
| Total Units | 121 | 341 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 2016 | 2008 |
| FDD Year | 2022 | 2025 |
Investment Range
$46K – $117K
$35K – $137K
Franchise Fee
$46K
$25K
Royalty Rate
30.0%
Franchisor retains 20% of New Business commissions and 50% of Renewal Business commissions
Average Revenue (Item 19)
N/A
$906K
SBA Charge-Off Rate
N/A
18.2% (11 loans)
Total Units
121
341
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
2016
2008
FDD Year
2022
2025