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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 |  BAbove averageJourney Payroll & HR Business Services 2025 FDD Remove |  AStrongest tierBarmetrix Business Services 2025 FDD Remove |
|---|---|---|
| Vitals | ||
FDD filing | FDD issued Apr 21, 2025 | FDD issued Feb 25, 2025 |
Investment range | $39K – $82K | $61K – $66K |
Liquid capital | $3K – $15K | $2K – $3K |
Franchise fee | $30K | $55K |
Royalty rate | 5.0% | 8.0% |
Ad fund rate | 2.3% | 0.5% |
| Performance | ||
Avg gross sales | No Item 19 representation | No Item 19 representation |
Median gross sales | Not disclosed | Not disclosed |
Avg owner earnings Metric varies by brand. Check type below | Not disclosed | Not disclosed |
Earnings metric | Not classified | Not classified |
| Risk | ||
Rating | BAbove average | AStrongest tier |
Verdict score | 55 / 100 | 73 / 100 |
SBA charge-off rate | Under 10 loans (1) | Under 10 loans (2) |
SBA loans on record | 1 | 2 |
| Scale | ||
Total units | 11 | 22 |
Net change (latest yr) | +4 | +2 |
Signed, not yet open | 0 (0.00 per open outlet) | 0 (0.00 per open outlet) |
Turnover rate | 0.0% | 0.0% |
| Contract | ||
Initial term (years) | 10 | 5 |
Renewal term (years) | 5 | 5 |
Initial training (hrs) | 56 | 217 |
| Contacts | ||
Franchisee phones | 10 | 9 |
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