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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 averageToro Taxes Financial Services 2026 FDD Remove |  AStrongest tierFreeway Insurance Financial Services 2026 FDD Remove |
|---|---|---|
| Vitals | ||
FDD filing | FDD issued Apr 20, 2026 | FDD issued Apr 23, 2026 |
Investment range | $18K – $79K | $35K – $84K |
Liquid capital | $3K – $9K | $5K – $16K |
Franchise fee | $5KConditional fee | $25K |
Royalty rate | Set by a formula | 14.0% |
Ad fund rate | 2.0% | 7.0% |
| Performance | ||
Avg gross sales | $64K | $372K |
Median gross sales | $43K | $205K |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not extracted |
Earnings metric | Not classified | Not classified |
| Risk | ||
Rating | BAbove average | AStrongest tier |
Verdict score | 60 / 100 | 99 / 100 |
SBA charge-off rate | Not SBA-matched | Under 10 loans (1) |
SBA loans on record | N/A | 1 |
| Scale | ||
Total units | 194 | 696 |
Net change (latest yr) | -13 | +14 |
Signed, not yet open | 48 (0.25 per open outlet) | Not extracted |
Turnover rate | 0.0% | 0.9% |
| Contract | ||
Initial term (years) | 5 | 5 |
Renewal term (years) | 5 | 5 |
Initial training (hrs) | 58 | 77 |
| Contacts | ||
Franchisee phones | 25 | 38 |
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