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4 brands side-by-side
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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 figures come from FDDs of different years (2023, 2025, 2026). Costs, fees and unit counts change from one filing to the next, so the older column may be out of date.
Focus by buyer type
| Brand |  AStrongest tierUSA Insulation Home Services 2026 FDD Remove |  AStrongest tierCabinet Iq Home Services 2026 FDD Remove |  DBelow averageInnovative Roof Solutions Home Services 2023 FDD Remove |  BAbove averageRam Jack Home Services 2025 FDD Remove |
|---|---|---|---|---|
| Vitals | ||||
FDD filing | FDD issued Apr 10, 2026 | FDD issued Apr 29, 2026 | 2023 FDD | FDD issued May 15, 2025 |
Investment range | $304K – $477K | $308K – $483K | $162K – $608K | $151K – $650K |
Liquid capital | $40K – $60K | $15K – $25K | $0 – $175K | $45K – $105K |
Franchise fee | $45K | $60K | $58K | $30K |
Royalty rate | 5.0% | 6.0% | 9.0% | Not extracted |
Ad fund rate | 2.0% | 1.0% | Not extracted | 0.0% |
| Performance | ||||
Avg gross sales | $1.6MPer franchisee, not per outletIncl. company outlets | $1.1MIncl. company outlets2 outlets | No Item 19 representation | No Item 19 representation |
Median gross sales | Not extracted | $1.1MIncl. company outlets2 outlets | Not disclosed | Not disclosed |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not extracted | Not disclosed | Not disclosed |
Earnings metric | Not classified | Not classified | Not classified | Not classified |
| Risk | ||||
Rating | AStrongest tier | AStrongest tier | DBelow average | BAbove average |
Verdict score | 74 / 100 | 75 / 100 | 36 / 100 | 65 / 100 |
SBA charge-off rate | 8.3% (n=39) | Limited · 17 loans | Not SBA-matched | Under 10 loans (2) |
SBA loans on record | 39 | 17 | N/A | 2 |
| Scale | ||||
Total units | 97 | 54 | 1 | 55 |
Net change (latest yr) | -13 | +32 | 0 | +1 |
Signed, not yet open | 8 (0.08 per open outlet) | Not extracted | 0 (0.00 per open outlet) | Not extracted |
Turnover rate | 21.6% | 7.4% | 0.0% | 0.0% |
| Contract | ||||
Initial term (years) | 10 | 10 | 10 | 5 |
Renewal term (years) | 10 | 5 | 5 | 5 |
Initial training (hrs) | 166 | 145 | 49 | 40 |
| Contacts | ||||
Franchisee phones | 54 | 0 | 0 | 49 |
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