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