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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 |  CAverageNorth Central Insulation Home Services 2025 FDD Remove |  AStrongest tierThat 1 Painter Home Services 2025 FDD Remove |
|---|---|---|
| Vitals | ||
FDD filing | FDD issued Aug 8, 2025 | FDD issued May 6, 2025 |
Investment range | $87K – $170K | $113K – $142K |
Liquid capital | $20K – $50K | $22K – $30K |
Franchise fee | $40K | $59K |
Royalty rate | 2.0% | 6.0% |
Ad fund rate | 0.0% | 2.0% |
| Performance | ||
Avg gross sales | No Item 19 representation | $666KPer franchisee, not per outlet |
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 | AStrongest tier |
Verdict score | 43 / 100 | 81 / 100 |
SBA charge-off rate | Not SBA-matched | Limited · 39 loans |
SBA loans on record | N/A | 39 |
| Scale | ||
Total units | 7 | 271 |
Net change (latest yr) | 0 | +203 |
Signed, not yet open | 0 (0.00 per open outlet) | 117 (0.43 per open outlet) |
Turnover rate | 0.0% | 0.7% |
| Contract | ||
Initial term (years) | 5 | 10 |
Renewal term (years) | 5 | 10 |
Initial training (hrs) | 145 | 40 |
| Contacts | ||
Franchisee phones | 1 | 34 |
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