Icode vs Stemtree
Side-by-side figures from each brand's latest FDD Item 20 as we extracted them; verdicts are our opinion under the published methodology, and the source filing and year are on each brand's profile. Green marks the more favorable metric (lower for distress), not a recommendation to buy.
Units · latest run
+32.6% (2023–2025)
Net unit change
13 → 17 units (2023–2025)
Fair
Exit quality
Too little history
Fair
Transfer / churn
Too little history
Too few seasoned loans
SBA losses vs same-year loans
Too few seasoned loans
—
Distress
—
$40,000
Franchise fee
$44,500
$296K–$447K
Investment range
$110K–$241K
8%
Royalty
8%
Disclosed
Earnings (Item 19)
Disclosed
Icode
Stemtree
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