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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, 2023, 2025). Costs, fees and unit counts change from one filing to the next, so the older column may be out of date.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 |  BAbove averageBrightway Insurance Financial Services 2025 FDD Remove |  AStrongest tierLendio Financial Services 2022 FDD Remove |  BAbove averageDCAP Insurance / The Tax Zone Financial Services 2023 FDD Remove |
|---|---|---|---|
| Vitals | |||
FDD filing | 2025 FDD | FDD issued Apr 29, 2022 | FDD issued Apr 20, 2023 |
Investment range | $23K – $137K | $46K – $117K | $62K – $110K |
Liquid capital | $15K – $90K | $2K – $12K | $25K – $50K |
Franchise fee | $25K | $35KConditional fee | $25K |
Royalty rate | Set by a formula | 30.0% | 20.0% |
Ad fund rate | Not extracted | 2.0% | Not extracted |
| Performance | |||
Avg gross sales | Partial, no system averageOutlets $545-$4.9M | No Item 19 representation | No Item 19 representation |
Median gross sales | Not extracted | Not disclosed | Not disclosed |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not disclosed | Not disclosed |
Earnings metric | Not classified | Not classified | Not classified |
| Risk | |||
Rating | BAbove average | AStrongest tier | BAbove average |
Verdict score | 56 / 100 | 70 / 100 | 53 / 100 |
SBA charge-off rate | 18.2% (n=11) | Not SBA-matched | Not SBA-matched |
SBA loans on record | 11 | N/A | N/A |
| Scale | |||
Total units | 341 | 121 | 36 |
Net change (latest yr) | +3 | +54 | -1 |
Signed, not yet open | 18 (0.05 per open outlet) | 2 (0.02 per open outlet) | 0 (0.00 per open outlet) |
Turnover rate | 18.8% | 1.7% | 17.6% |
| Contract | |||
Initial term (years) | 5 | 5 | 10 |
Renewal term (years) | 5 | 5 | 10 |
Initial training (hrs) | 110 | 40 | 22 |
| Contacts | |||
Franchisee phones | 427 | 27 | 17 |
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