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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.
Focus by buyer type
| Brand |  BAbove averageBig O Tires Automotive 2025 FDD Remove |  CAveragePayless Car Rental Automotive 2025 FDD Remove |
|---|---|---|
| Vitals | ||
FDD filing | FDD issued Jun 30, 2025 | FDD issued Apr 30, 2025 |
Investment range | $512K – $1.9M | $626K – $1.6M |
Liquid capital | $50K – $150K | $55K – $72K |
Franchise fee | $18K | $45K |
Royalty rate | 5.0% | 7.5% |
Ad fund rate | 0.9% | 0.0% |
| Performance | ||
Avg gross sales | $2.8M | No Item 19 representation |
Median gross sales | Not extracted | Not disclosed |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not disclosed |
Earnings metric | Gross Revenues / Average Total Revenues | Not classified |
| Risk | ||
Rating | BAbove average | CAverage |
Verdict score | 64 / 100 | 38 / 100 |
SBA charge-off rate | 14.5% (n=352) | Under 10 loans (4) |
SBA loans on record | 352 | 4 |
| Scale | ||
Total units | 461 | 109 |
Net change (latest yr) | -1 | 0 |
Signed, not yet open | 13 (0.03 per open outlet) | 0 (0.00 per open outlet) |
Turnover rate | 2.0% | 0.0% |
| Contract | ||
Initial term (years) | 10 | 10 |
Renewal term (years) | 10 | 5 |
Initial training (hrs) | 274 | 73 |
| Contacts | ||
Franchisee phones | 486 | 12 |
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