How Much Does a COBS Bread Franchise Cost?
Data from the 2025 Franchise Disclosure Document
Investment Summary
Total Investment
$934K – $1.3M
Franchise Fee
$25K
Royalty
7.0%
Ad Fund
3.0%
Cost Breakdown
Initial Franchise Fee
The initial franchise fee for COBS Bread is $25K. This one-time payment covers the right to operate under the brand, access to proprietary systems, and initial training programs.
Total Investment Range
Opening a COBS Bread franchise requires a total investment of $934K – $1.3M. This range typically includes real estate or leasehold improvements, equipment and fixtures, initial inventory, signage, insurance, and working capital to sustain operations during the ramp-up period.
Working capital alone ranges from $18K to $65K.
Ongoing Costs
Beyond the initial investment, COBS Bread franchisees pay ongoing fees. The royalty fee is 7.0% of gross sales (Net Sales). The advertising or brand fund contribution is 3.0% of gross sales. There is also a technology fee of $290.
Net Worth & Liquid Capital Requirements
COBS Bread requires working capital of $18K – $65K to cover initial operating expenses. This is the liquid cash you should have available beyond the franchise fee and buildout costs.
What Can You Earn?
According to COBS Bread's Item 19 financial performance representation:
Median gross sales: $1.1M
This figure comes from Item 19 of the FDD. Gross sales are not the same as take-home profit. After deducting royalties, ad fund fees, rent, labor, and COGS, net income is typically a fraction of gross revenue.
Next Steps
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