Padgett Business Services vs Goosehead Insurance
Franchise Comparison 2026
Both Padgett Business Services and Goosehead Insurance are financial services franchises. Padgett Business Services requires an investment of $63K – $117K while Goosehead Insurance requires $66K – $112K. In terms of revenue, Padgett Business Services reports higher average unit revenue at $477K. On SBA loan performance, Goosehead Insurance has a lower charge-off rate (5.9%) compared to Padgett Business Services (8.7%). FranchiseVerdict rates Padgett Business Services A (Top Quintile) and Goosehead Insurance F (Bottom Quintile).
| Metric | Padgett Business Services | Goosehead Insurance |
|---|---|---|
| Verdict Grade | ATop QuintileTop Quintile | FBottom QuintileBottom Quintile |
| Investment Range | $63K – $117K | $66K – $112K |
| Franchise Fee | $63K | $50K |
| Royalty Rate | the greater of $1,500 or 9% of Gross Receipts (standard rate) | 20.0% |
| Average Revenue (Item 19) | $477K | $90K |
| SBA Charge-Off Rate | 8.7% (65 loans) | 5.9% (47 loans) |
| Total Units | 167 | 1,022 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 1988 | 2011 |
| FDD Year | 2025 | 2026 |
Padgett Business Services
ATop QuintileTop Quintile
Goosehead Insurance
FBottom QuintileBottom Quintile
Investment Range
$63K – $117K
$66K – $112K
Franchise Fee
$63K
$50K
Royalty Rate
the greater of $1,500 or 9% of Gross Receipts (standard rate)
20.0%
Average Revenue (Item 19)
$477K
$90K
SBA Charge-Off Rate
8.7% (65 loans)
5.9% (47 loans)
Total Units
167
1,022
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
1988
2011
FDD Year
2025
2026