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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.
These figures come from FDDs of different years (2022, 2025, 2026). Costs, fees and unit counts change from one filing to the next, so the older column may be out of date.
Focus by buyer type
| Brand |  CAverageBooXkeeping Financial Services 2026 FDD Remove |  AStrongest tierLendio Financial Services 2022 FDD Remove |  BAbove averageBrightway Insurance Financial Services 2025 FDD Remove |
|---|---|---|---|
| Vitals | |||
FDD filing | FDD issued Feb 19, 2026 | FDD issued Apr 29, 2022 | 2025 FDD |
Investment range | $78K – $84K | $46K – $117K | $23K – $137K |
Liquid capital | $6K – $9K | $2K – $12K | $15K – $90K |
Franchise fee | $60K | $35KConditional fee | $25K |
Royalty rate | 10.0% | 30.0% | Set by a formula |
Ad fund rate | 2.0% | 2.0% | Not extracted |
| Performance | |||
Avg gross sales | $81KPer franchisee, not per outlet1 outlet | No Item 19 representation | Partial, no system averageOutlets $545-$4.9M |
Median gross sales | Not extracted | Not disclosed | Not extracted |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not disclosed | Not extracted |
Earnings metric | Not classified | Not classified | Not classified |
| Risk | |||
Rating | CAverage | AStrongest tier | BAbove average |
Verdict score | 45 / 100 | 70 / 100 | 56 / 100 |
SBA charge-off rate | Under 10 loans (2) | Not SBA-matched | 18.2% (n=11) |
SBA loans on record | 2 | N/A | 11 |
| Scale | |||
Total units | 16 | 121 | 341 |
Net change (latest yr) | +6 | +54 | +3 |
Signed, not yet open | Not extracted | 2 (0.02 per open outlet) | 18 (0.05 per open outlet) |
Turnover rate | 6.3% | 1.7% | 18.8% |
| Contract | |||
Initial term (years) | 10 | 5 | 5 |
Renewal term (years) | 5 | 5 | 5 |
Initial training (hrs) | 80 | 40 | 110 |
| Contacts | |||
Franchisee phones | 8 | 27 | 427 |
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