USA Insulation vs Bath Fitter
Franchise Comparison 2026
Both USA Insulation and Bath Fitter are home services franchises. USA Insulation requires an investment of $304K – $477K while Bath Fitter requires $266K – $516K. USA Insulation has SBA lending data on file with a 2.6% charge-off rate. FranchiseVerdict rates USA Insulation A (Strongest tier) and Bath Fitter A (Strongest tier).
| Metric | USA Insulation | Bath Fitter |
|---|---|---|
| Verdict Grade | AStrongest tierStrongest tier | AStrongest tierStrongest tier |
| Investment Range | $304K – $477K | $266K – $516K |
| Franchise Fee | $45K | $80K |
| Royalty Rate | Greater of 5% of Gross Sales from prior month or $1,000 per month | Currently $0 royalty fee; we reserve the right to impose a royalty fee at any time not to exceed 2.5% of Gross Revenues |
| Average Revenue (Item 19) | N/A | N/A |
| SBA Charge-Off Rate | 2.6% (39 loans) | Limited data |
| Total Units | 97 | 142 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 2006 | 1992 |
| FDD Year | 2026 | 2026 |
Investment Range
$304K – $477K
$266K – $516K
Franchise Fee
$45K
$80K
Royalty Rate
Greater of 5% of Gross Sales from prior month or $1,000 per month
Currently $0 royalty fee; we reserve the right to impose a royalty fee at any time not to exceed 2.5% of Gross Revenues
Average Revenue (Item 19)
N/A
N/A
SBA Charge-Off Rate
2.6% (39 loans)
Limited data
Total Units
97
142
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
2006
1992
FDD Year
2026
2026