Verified — real FDD extraction
Not found in the SBA Franchise Directory under this name — though SBA loans to its franchisees exist; verify eligibility with your lender
InXpress
Other · independent · est. —
InXpress is a shipping and logistics franchise that resells discounted carrier capacity, arranging parcel and freight shipping for small and mid-sized businesses through partnerships with major carriers. A franchisee runs a home-based sales operation, prospecting business customers and earning margin on the shipping volume they route through the InXpress platform.
New to franchising? Start here
A franchise is a business where you (the franchisee) pay a company (the franchisor) for the right to open and run a location using their brand and system — think a local Anytime Fitness or Taco John's owned by a small-business owner, not the corporation.
Before you can buy in, U.S. law requires the franchisor to give you a Franchise Disclosure Document (FDD) — a long legal filing covering its fees, finances, and history. The numbers on this page come straight from that document:
- Franchise fee — the one-time cost to buy in.
- Royalty — the ongoing cut of your sales you pay the franchisor.
- Item 20 — how many locations opened and closed, the basis for our verdict (from Proven & strong down to Distressed — or Too new to judge).
The verdict
Not enough disclosure
Distress
No verified FDD extraction to judge from. Any figures shown are labelled sample data or independent federal records.
Exit rate · latest year
29.4%
fiscal 2021, per Item 20
Cost to open
$87K–$169K
Item 7 total investment range
SBA loan defaults
20.0%
15 loans resolved — directional only
Behind the verdict
the record, factor by factor · Item 20
3-yr trend · Item 20 Table 1
terminations + ceased-ops vs. all exits · Table 3
transfers vs. base · Table 3
actual vs. projected openings · Table 5
Item 19 disclosure + completeness
Systemwide units
2019–2021
Survival record
FDD Item 20 · outlet status by year
In fiscal 2021, 32 of 109 franchised outlets left the system — a 29.4% annualized exit rate. Not every exit is a failure — but this is the measurable floor.
Show the outlet tables ↓Hide the evidence ↑
| Status (FTC) | 2019 | 2020 | 2021 |
|---|---|---|---|
| Outlets at start | 96 | 90 | 109 |
| Opened | 15 | 29 | 17 |
| Transfers | 8 | 6 | 22 |
| Terminations | 14 | 5 | 10 |
| Non-renewals | 0 | 0 | 0 |
| Reacquired by franchisor | 0 | 0 | 0 |
| Ceased — other reasons | 7 | 5 | 22 |
| Outlets at end | 90 | 109 | 95 |
| Net change | -6 | +19 | -14 |
The lender's view
SBA 7(a)/504 loan performance · FY1991–present
Banks have made 26 SBA-backed loans to InXpress franchisees since 2010. Only 15 have resolved so far — too thin for a reliable default rate, but 3 of them charged off.
—
15 resolved · too thin to rate
—
avg. charged-off $ ÷ approved $
—
default rate × loss severity
$235,444
what recent franchisees borrowed
60 mo
approval → charge-off, defaulted loans
3 vs 6
distinct banks — pulling back
Charge-off rate by loan approval year (%)
SOURCE: SBA 7(a)/504 FOIA LOAN DATA (DATA.SBA.GOV), FY1991–PRESENT · MATCHED TO INXPRESS BY FRANCHISE NAME · RESOLVED = CHARGED-OFF + PAID-IN-FULL
The owner's side of the deal
FDD × federal loan record
Who finances it
United Midwest Savings Bank National Association
53.8% of this brand's loans
That lender charges off 35.2% of its loans to other franchise brands, vs 14.8% nationally.
Who buys it
92.0%
first-time franchise owners
The rest already owned at least one other franchise. Across the corpus, brands bought mostly by repeat operators charge off at roughly 10% versus 17% for brands sold mostly to newcomers.
Does experience help here?
Not enough resolved loans to split
Computed from 26 SBA 7(a)/504 loans to InXpress franchisees joined to the brand's own FDD. Debt service assumes level amortization at the average disclosed term and rate. A lender's rate excludes its loans to this brand, so it reads the lender, not the brand.
What it costs — and what it drags
FDD Items 5–7 · fees, investment, royalty
Buying in means a $50K franchise fee (Item 5) and a total investment of $87K–$169K (Item 7). The franchisor publishes an earnings claim (Item 19) — read its methodology closely.
To open (Item 7)
$87K–$169K
all-in investment range
Franchise fee (Item 5)
$50K
upfront, one-time
Royalty (Item 6)
30%
of sales, ongoing
Your figure — cross-check against this brand's Item 19 and current-owner validation.
Royalty you'd pay / yr
$300K
30% of sales, before profit
Over a 10-yr term
$3M
royalties alone, excl. ad fund
This is not profit. It's the only money the FDD actually pins down — what you put in, and the royalty you owe on every dollar of sales. Your real take-home depends on labor, rent, food cost, and ramp-to-breakeven, none of which any FDD discloses.
Build a real pro-forma for InXpress with an independent CPAModeled risk
FDD Risk Score · modeled from the public record
Modeled from the public record, this brand looks riskier than 98% of systems we score.
Risk percentile
98 / 100
Loan-corroborated
Modeled SBA charge-off
29.2%
Observed SBA charge-off
20.0%
Top drivers: Share financed by high-loss lenders (raises) · Item 20 exit rate (raises) · Single-lender dependence (lowers) · Royalty rate (lowers). 15+ resolved loans stand behind this estimate. A linear scorecard built from this brand's own disclosure figures plus the federal loan record behind its franchisees; full spec and cross-validated accuracy on the methodology page. A score is context, not a verdict.
Distress signals
news-sourced · bankruptcies, closures, lawsuits
No recent closures, bankruptcies, or major lawsuits found in the news for InXpress. That's a good sign — but it reflects news coverage, not a guarantee.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing InXpress's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →InXpress franchise questions, answered from the filings
What percentage of InXpress franchises closed last year?
In InXpress's latest FDD Item 20 (fiscal 2021), 32 of 109 franchised outlets left the system — an annualized exit rate of 29.4%. That counts terminations, non-renewals, and "ceased operations — other reasons." There is no official failure rate, and not every exit is a failure, but this is the measurable floor.
How much does a InXpress franchise cost?
Per InXpress's 2026 FDD, buying in requires an initial franchise fee of $50K (Item 5) and a total initial investment of $87K–$169K (Item 7).
What royalty does InXpress charge?
InXpress charges an ongoing royalty of 30.0% of gross sales, per Item 6 of its 2026 FDD.
Does InXpress disclose earnings (Item 19)?
Yes — InXpress makes a financial performance representation in Item 19 of its 2026 FDD. Read it closely: franchisors choose which units and which metrics to include.