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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 averagePayMore Retail 2025 FDD Remove |  BAbove averageSea Love Retail 2025 FDD Remove |
|---|---|---|
| Vitals | ||
FDD filing | FDD issued Apr 17, 2025 | FDD issued Apr 19, 2025 |
Investment range | $132K – $257K | $109K – $292K |
Liquid capital | $20K – $60K | $10K – $15K |
Franchise fee | $35K | $50K |
Royalty rate | 5.0% | 6.0% |
Ad fund rate | 1.0% | 2.0% |
| Performance | ||
Avg gross sales | $1.2MCombined outlet types | $353K |
Median gross sales | $1.3MCombined outlet types | $406K |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not extracted |
Earnings metric | Not classified | Not classified |
| Risk | ||
Rating | BAbove average | BAbove average |
Verdict score | 61 / 100 | 46 / 100 |
SBA charge-off rate | Limited · 15 loans | Under 10 loans (4) |
SBA loans on record | 15 | 4 |
| Scale | ||
Total units | 58 | 12 |
Net change (latest yr) | +37 | +5 |
Signed, not yet open | 25 (0.43 per open outlet) | 4 (0.33 per open outlet) |
Turnover rate | 1.7% | 0.0% |
| Contract | ||
Initial term (years) | 15 | 10 |
Renewal term (years) | 10 | 10 |
Initial training (hrs) | 60 | 24 |
| Contacts | ||
Franchisee phones | 53 | 16 |
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