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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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Focus by buyer type

Brand	BAbove average Arby’s Quick-Service Restaurants 2026 FDD Remove	DBelow average Fatburger Quick-Service Restaurants 2026 FDD Remove
Vitals
FDD filing	FDD issued Mar 26, 2026	2026 FDD
Investment range	$869K – $2.5M	$517K – $2.7M
Liquid capital	$33K – $100K	$25K – $40K
Franchise fee	$38K	$50K
Royalty rate	4.0%	6.0%
Ad fund rate	5.0%	3.0%
Performance
Avg gross sales	$1.3M	$1.1MNet sales
Median gross sales	$1.2M	$1.1M
Avg owner earnings Metric varies by brand. Check type below	Not extracted	Not extracted
Earnings metric	Not classified	Not classified
Risk
Rating	BAbove average	DBelow average
Verdict score	69 / 100	28 / 100
SBA charge-off rate	18.2% (n=198)	13.6% (n=39)
SBA loans on record	198	39
Scale
Total units	3,265	177
Net change (latest yr)	+58	-9
Signed, not yet open	Not extracted	16 (0.09 per open outlet)
Turnover rate	2.4%	40.7%
Contract
Initial term (years)	20	15
Renewal term (years)	20	10
Initial training (hrs)	336	300
Contacts
Franchisee phones	2,368	106

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