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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.
These brands report different earnings metrics (EBITDA, Net Income). Financial figures may not be directly comparable.
Focus by buyer type
| Brand |  CAverageTHE HUMAN BEAN Quick-Service Restaurants 2026 FDD Remove |  BAbove averageEllianos Coffee Quick-Service Restaurants 2026 FDD Remove |
|---|---|---|
| Vitals | ||
FDD filing | FDD issued Feb 25, 2026 | FDD issued Mar 17, 2026 |
Investment range | $672K – $1.5M | $797K – $1.4M |
Liquid capital | $20K – $75K | $10K – $15K |
Franchise fee | $35K | $30K |
Royalty rate | Flat fee | 6.0% |
Ad fund rate | 1.0% | 1.3% |
| Performance | ||
Avg gross sales | $814K | $1.3MOutlet subsetNet sales |
Median gross sales | $784K | $1.3MOutlet subset |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not extracted |
Earnings metric | EBITDA | Net Income |
| Risk | ||
Rating | CAverage | BAbove average |
Verdict score | 40 / 100 | 65 / 100 |
SBA charge-off rate | 35.7% (n=51) | Limited · 36 loans |
SBA loans on record | 51 | 36 |
| Scale | ||
Total units | 188 | 73 |
Net change (latest yr) | +11 | +10 |
Signed, not yet open | 14 (0.07 per open outlet) | 48 (0.66 per open outlet) |
Turnover rate | 1.6% | 0.0% |
| Contract | ||
Initial term (years) | 10 | 10 |
Renewal term (years) | 10 | 5 |
Initial training (hrs) | 120 | 110 |
| Contacts | ||
Franchisee phones | 91 | 38 |
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