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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 averageSharetea Quick-Service Restaurants 2025 FDD Remove |  BAbove averageHouse of Bread Quick-Service Restaurants 2025 FDD Remove |
|---|---|---|
| Vitals | ||
FDD filing | 2025 FDD | FDD issued Apr 20, 2025 |
Investment range | $225K – $555K | $198K – $584K |
Liquid capital | $20K – $80K | Not extracted |
Franchise fee | $12K | $35K |
Royalty rate | 6.0% | 6.0% |
Ad fund rate | 3.0% | 0.0% |
| Performance | ||
Avg gross sales | No Item 19 representation | $699KIncl. company outlets |
Median gross sales | Not disclosed | $667KIncl. company outlets |
Avg owner earnings Metric varies by brand. Check type below | Not disclosed | Not extracted |
Earnings metric | Not classified | P&L Bottom Line |
| Risk | ||
Rating | BAbove average | BAbove average |
Verdict score | 63 / 100 | 48 / 100 |
SBA charge-off rate | 9.1% (n=30) | Under 10 loans (5) |
SBA loans on record | 30 | 5 |
| Scale | ||
Total units | 153 | 6 |
Net change (latest yr) | -6 | -1 |
Signed, not yet open | 11 (0.07 per open outlet) | 4 (0.67 per open outlet) |
Turnover rate | 10.5% | 25.0% |
| Contract | ||
Initial term (years) | 5 | 10 |
Renewal term (years) | 5 | 10 |
Initial training (hrs) | 68 | 274 |
| Contacts | ||
Franchisee phones | 3 | 4 |
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