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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 (2024, 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 Costs, fees and unit counts change from one filing to the next, so the older column may be out of date.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 averageHouse of Bread Quick-Service Restaurants 2025 FDD Remove |  CAverageGinger Sushi + Poke Shop Quick-Service Restaurants 2024 FDD Remove |
|---|---|---|
| Vitals | ||
FDD filing | FDD issued Apr 20, 2025 | FDD issued Mar 28, 2024 |
Investment range | $198K – $584K | $282K – $502K |
Liquid capital | Not extracted | $15K – $25K |
Franchise fee | $35K | $30K |
Royalty rate | 6.0% | 6.0% |
Ad fund rate | 0.0% | 3.0% |
| Performance | ||
Avg gross sales | $699KIncl. company outlets | No Item 19 representation |
Median gross sales | $667KIncl. company outlets | Not disclosed |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not disclosed |
Earnings metric | P&L Bottom Line | Not classified |
| Risk | ||
Rating | BAbove average | CAverage |
Verdict score | 48 / 100 | 39 / 100 |
SBA charge-off rate | Under 10 loans (5) | Not SBA-matched |
SBA loans on record | 5 | N/A |
| Scale | ||
Total units | 6 | 0 |
Net change (latest yr) | -1 | 0 |
Signed, not yet open | 4 (0.67 per open outlet) | 3 |
Turnover rate | 25.0% | Not extracted |
| Contract | ||
Initial term (years) | 10 | 10 |
Renewal term (years) | 10 | 5 |
Initial training (hrs) | 274 | 190 |
| Contacts | ||
Franchisee phones | 4 | 3 |
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