Verified — real FDD extraction
SBA-eligible · directory code S7698 since 2022
The Peach Cobbler Factory
Other · independent · est. —
The Peach Cobbler Factory is a dessert restaurant franchise serving cobblers, banana pudding, cinnamon rolls, and other sweets. A franchisee operates a storefront dessert shop serving walk-in, takeout, and delivery customers.
The Peach Cobbler Factory net unit count grew +59.7% from 2023–2025 per its FDD Item 20.
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
Proven & steady
Distress
A real track record with an unremarkable region of the ledger: neither the growth nor the exits stand out, for better or worse. The main concern in the record: too many owners are failing outright rather than selling.
Exit rate · latest year
13.3%
fiscal 2025, per Item 20
Cost to open
$203K–$613K
Item 7 total investment range
SBA loan defaults
Too few resolved
42 loans exist; too few resolved to rate
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
2023–2025
Survival record
FDD Item 20 · outlet status by year
In fiscal 2025, 12 of 90 franchised outlets left the system — a 13.3% annualized exit rate. Not every exit is a failure — but this is the measurable floor.
Show the outlet tables ↓Hide the evidence ↑
| Status (FTC) | 2023 | 2024 | 2025 |
|---|---|---|---|
| Outlets at start | 26 | 67 | 91 |
| Opened | 40 | 31 | 29 |
| Transfers | 0 | 2 | 7 |
| Terminations | 0 | 0 | 12 |
| Non-renewals | 0 | 0 | 0 |
| Reacquired by franchisor | 0 | 0 | 0 |
| Ceased — other reasons | 0 | 7 | 0 |
| Outlets at end | 67 | 91 | 107 |
| Net change | +41 | +24 | +16 |
The lender's view
SBA 7(a)/504 loan performance · FY1991–present
Banks have made 42 SBA-backed loans to The Peach Cobbler Factory franchisees since 2023. Most are still open, so there is not yet a resolved cohort large enough to rate.
—
0 resolved · too thin to rate
—
avg. charged-off $ ÷ approved $
—
default rate × loss severity
$205,688
what recent franchisees borrowed
—
approval → charge-off, defaulted loans
—
distinct banks lending
Charge-off rate by loan approval year (%)
Loan performance by state
SOURCE: SBA 7(a)/504 FOIA LOAN DATA (DATA.SBA.GOV), FY1991–PRESENT · MATCHED TO THE PEACH COBBLER FACTORY BY FRANCHISE NAME · RESOLVED = CHARGED-OFF + PAID-IN-FULL
The owner's side of the deal
FDD × federal loan record
Who finances it
the Huntington National Bank
71.4% of this brand's loans
That lender charges off 10.1% of its loans to other franchise brands, vs 14.8% nationally.
Who buys it
26.8%
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 42 SBA 7(a)/504 loans to The Peach Cobbler Factory 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 $35K franchise fee (Item 5) and a total investment of $203K–$613K (Item 7). The franchisor publishes no earnings claim (Item 19) — ask current and former franchisees for real numbers.
To open (Item 7)
$203K–$613K
all-in investment range
Franchise fee (Item 5)
$35K
upfront, one-time
Royalty (Item 6)
6%
of sales, ongoing
Your figure — this brand discloses no Item 19 earnings; validate with current & former owners.
Royalty you'd pay / yr
$60K
6% of sales, before profit
Over a 10-yr term
$600K
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 The Peach Cobbler Factory with an independent CPALabor record
US Dept. of Labor enforcement · franchisee-level · FY2005–present
Federal investigators have concluded 1 wage case against operators of this system, recovering $1K in back wages for 0 workers, including 1 child-labor case. Some of these cases are recent, not ancient history. These cases name franchisee-owned locations, not the franchisor itself.
Concluded cases
1
Back wages owed
$1K
Employees affected
0
Since 2020
1
1 of these cases involved child-labor violations, covering 1 minors across the system's franchised locations.
Read this carefully. The employers in these cases are individual The Peach Cobbler Factory franchisees — separately owned businesses operating under the brand name — not The Peach Cobbler Factory itself. The franchisor is not the respondent and in most cases is not a party. What the record shows is how this system's operators run their payrolls, which is worth knowing before you become one of them. Counts rise with system size and with age: a 20-year-old, 10,000-unit system will out-count a young one regardless of conduct. Source: DOL Wage and Hour Division concluded compliance actions, FY2005–present, most recent finding 2024.
Modeled risk
FDD Risk Score · modeled from the public record
The public record puts this brand toward the safer end of the systems we score — but the evidence is thin, so treat it as a range, not a number.
Risk percentile (range)
4–28 / 100
Directional
Modeled SBA charge-off
8.2%
Observed SBA charge-off
no resolved cohort
Top drivers: Single-lender dependence (lowers) · Share financed by high-loss lenders (lowers) · Net unit growth (lowers) · System size (log units) (raises). Thin loan history — treat this as a range, not a number. 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 The Peach Cobbler Factory. 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 The Peach Cobbler Factory's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →The Peach Cobbler Factory franchise questions, answered from the filings
What percentage of The Peach Cobbler Factory franchises closed last year?
In The Peach Cobbler Factory's latest FDD Item 20 (fiscal 2025), 12 of 90 franchised outlets left the system — an annualized exit rate of 13.3%. 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 The Peach Cobbler Factory franchise cost?
Per The Peach Cobbler Factory's 2026 FDD, buying in requires an initial franchise fee of $35K (Item 5) and a total initial investment of $203K–$613K (Item 7).
What royalty does The Peach Cobbler Factory charge?
The Peach Cobbler Factory charges an ongoing royalty of 6.0% of gross sales, per Item 6 of its 2026 FDD.
Does The Peach Cobbler Factory disclose earnings (Item 19)?
No — The Peach Cobbler Factory's 2026 FDD makes no financial performance representation in Item 19. That is legal and common, but it means the franchisor publishes no earnings claim; ask current franchisees for real numbers.