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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 |  AStrongest tierSubway Quick-Service Restaurants 2025 FDD Remove |  CAverageUrban Wings Quick-Service Restaurants 2025 FDD Remove |
|---|---|---|
| Vitals | ||
FDD filing | FDD issued Apr 25, 2025 | 2025 FDD |
Investment range | $239K – $537K | $214K – $566K |
Liquid capital | $15K – $45K | $30K – $60K |
Franchise fee | $15K | $30K |
Royalty rate | 8.0% | 6.0% |
Ad fund rate | 4.5% | 1.0% |
| 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 | AStrongest tier | CAverage |
Verdict score | 71 / 100 | 39 / 100 |
SBA charge-off rate | 6.8% (n=6,096) | Not SBA-matched |
SBA loans on record | 6,096 | N/A |
| Scale | ||
Total units | 19,502 | 1 |
Net change (latest yr) | -631 | 0 |
Signed, not yet open | 120 (0.01 per open outlet) | 0 (0.00 per open outlet) |
Turnover rate | 5.7% | 0.0% |
| Contract | ||
Initial term (years) | 20 | 10 |
Renewal term (years) | 20 | 5 |
Initial training (hrs) | 144 | 127 |
| Contacts | ||
Franchisee phones | 33 | 0 |
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