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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 |  CAverageCity Publications Business Services 2026 FDD Remove |  CAveragePop A Lock Business Services 2026 FDD Remove |
|---|---|---|
| Vitals | ||
FDD filing | 2026 FDD | FDD issued May 1, 2026 |
Investment range | $46K – $270K | $118K – $191K |
Liquid capital | $2K – $10K | $33K – $41K |
Franchise fee | $40K | $23K |
Royalty rate | 6.0% | 7.0% |
Ad fund rate | Not extracted | 1.0% |
| Performance | ||
Avg gross sales | No Item 19 representation | Partial, no system average |
Median gross sales | Not disclosed | Not extracted |
Avg owner earnings Metric varies by brand. Check type below | Not disclosed | Not extracted |
Earnings metric | Not classified | Not classified |
| Risk | ||
Rating | CAverage | CAverage |
Verdict score | 45 / 100 | 40 / 100 |
SBA charge-off rate | Limited · 10 loans | 26.7% (n=15) |
SBA loans on record | 10 | 15 |
| Scale | ||
Total units | 35 | 316 |
Net change (latest yr) | -5 | -63 |
Signed, not yet open | 0 (0.00 per open outlet) | 0 (0.00 per open outlet) |
Turnover rate | 20.0% | 20.7% |
| Contract | ||
Initial term (years) | 5 | 10 |
Renewal term (years) | 5 | 10 |
Initial training (hrs) | 39 | 66 |
| Contacts | ||
Franchisee phones | 29 | 0 |
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