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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 (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 Costs, fees and unit counts change from one filing to the next, so the older column may be out of date.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 |  AStrongest tierESTRELLA INSURANCE Financial Services 2025 FDD Remove |  BAbove averageLoyalty Business Services Financial Services 2026 FDD Remove |  FWeakest tierLedgers Financial Services 2025 FDD Remove |
|---|---|---|---|
| Vitals | |||
FDD filing | FDD issued Apr 11, 2025 | FDD issued Apr 29, 2026 | FDD issued Apr 29, 2025 |
Investment range | $50K – $84K | $48K – $90K | $48K – $90K |
Liquid capital | $5K – $15K | $5K – $15K | $5K – $15K |
Franchise fee | $25K | $35K | $35K |
Royalty rate | 10.0% | 10.0% | 10.0% |
Ad fund rate | 7.0% | 3.0% | 3.0% |
| Performance | |||
Avg gross sales | Partial, no system averageOutlets $2.1M-$16.7M | $294KPer office, not per outlet2 outlets | No Item 19 representation |
Median gross sales | $4.5M | $294KPer office, not per outlet2 outlets | Not disclosed |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not extracted | Not disclosed |
Earnings metric | Not classified | Not classified | Not classified |
| Risk | |||
Rating | AStrongest tier | BAbove average | FWeakest tier |
Verdict score | 76 / 100 | 61 / 100 | 19 / 100 |
SBA charge-off rate | Limited · 10 loans | Not SBA-matched | Not SBA-matched |
SBA loans on record | 10 | N/A | N/A |
| Scale | |||
Total units | 219 | 16 | 2 |
Net change (latest yr) | +14 | +14 | -2 |
Signed, not yet open | Not extracted | Not extracted | 0 (0.00 per open outlet) |
Turnover rate | 0.9% | 0.0% | 150.0% |
| Contract | |||
Initial term (years) | 10 | 10 | 10 |
Renewal term (years) | 10 | 10 | 10 |
Initial training (hrs) | 240 | 18 | 18 |
| Contacts | |||
Franchisee phones | 204 | 4 | 3 |
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