From the filed FDD — automated extraction, check the source
2025 FDD
U-Save Car & Truck Rental
Car & truck rental · parent company: not identified
U-Save Car & Truck Rental is a vehicle-rental franchise offering cars and trucks for short-term rental, often positioned as a lower-cost, neighborhood alternative to major airport brands. A franchisee operates a rental location, managing a fleet, reservations, and customer rentals. The business is vehicle rental and fleet management.
U-Save Car & Truck Rental net unit count declined 1.4% over 2021–2024 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. Most numbers on this page come from that document; others come from federal SBA loan records and labor and census data, each labelled with its source:
- 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, transferred and left the system, the main basis for our verdict, which rates how strong the disclosed record is, or says when the system is too new, the filing too old, or the disclosure too thin to judge.
Our rating · opinion
Weaker disclosed record
Below our threshold on the operating record we compute from Item 20 — unit growth, the mix of exits, owner turnover and promise-keeping. What pulls it down: units fell 1% (2021–2024: 73 → 72); most exits were terminations or closures rather than transfers to new owners. This is our opinion of the filing, not a finding about the franchisor's finances.
Exit rate · fiscal 2024
0.0%
vs 1.7% median across 27 comparable systems (automotive)
Cost to open
$168K–$1.5M
Item 7 total investment range
SBA loan losses
Too few to rate
0 seasoned resolved loans; 30 needed
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Data as of 2026-10-29. Figures come from U-Save Car & Truck Rental's public FDD filings (latest: MN 2025, extracted 2026-07-23) and SBA FOIA loan records (through FY2026), extracted by us and possibly containing errors. The rating is our opinion, not investment, legal, or tax advice. Franchisor or owner and see something wrong? Report a correction — we review every request.
What each source says
FDD record · SBA loans · model · auditor
The sources broadly agree, and the verdict follows the FDD's operating record.
FDD record · Item 20
Weaker operating record
Units fell 1% (2021–2024: 73 → 72); exit rate 0.0% (fiscal 2024) vs 1.7% median.
SBA loans · vs same-year loans
Too few seasoned loans
0 resolved loans approved by FY2020; 30 needed.
Modeled risk
Not scored
Too little evidence for the model.
Auditor opinion · Item 21
Clean opinion
Unqualified audit, 2025 FDD. Says nothing about franchisee results.
Behind the verdict
the record, factor by factor · Item 20
latest consecutive years · 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 · shown, not counted in the verdict
Systemwide units
2021–2024
Survival record
FDD Item 20 · outlet status by year
In fiscal 2024, 0 of 69 franchised outlets left the system — an exit rate of 0.0% (fiscal 2024), vs a 1.7% median across 27 comparable systems (automotive). An exit is not a failure: this counts terminations, non-renewals and "ceased — other reasons" as reported, and excludes transfers to new owners.
Show the outlet tables ↓Hide the evidence ↑
| Status (FTC) | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|
| Outlets at start | 71 | 73 | 71 | 69 |
| Opened | 6 | 2 | 1 | 3 |
| Transfers | 3 | 0 | 0 | 0 |
| Terminations | 2 | 3 | 0 | 0 |
| Non-renewals | 1 | 0 | 0 | 0 |
| Reacquired by franchisor | 0 | 0 | 0 | 0 |
| Ceased — other reasons | 1 | 1 | 4 | 0 |
| Outlets at end | 73 | 71 | 69 | 72 |
| Net change | +2 | -2 | -2 | +3 |
The franchisor's own finances
FDD ITEM 21 · AUDITED STATEMENTS · 2025 FDD
HORNE LLP gave an unmodified (clean) opinion on the statements in the 2025 FDD; revenue fell 12% from FY2023 to FY2024.
This is the company selling the franchise, not any franchisee. A clean opinion means the statements are fairly presented — not that the business is healthy.
Audit opinion
Unmodified (clean) opinion
HORNE LLP
Revenue · FY2024
$4.3M
extracted · not cross-checked
Net income · FY2024
$21K
extracted · not cross-checked
Where FY2024 revenue came from
24% royalties
initial-fee share not extracted
Show the statement figures ↓Hide the evidence ↑
| Fiscal year | FY2023 | FY2024 |
|---|---|---|
| Total revenue | $4.8Mextracted · not cross-checked | $4.3Mextracted · not cross-checked |
| Royalty revenue | $1.1Mextracted · not cross-checked | $1.0Mextracted · not cross-checked |
| Net income (loss) | $102Kextracted · not cross-checked | $21Kextracted · not cross-checked |
The lender's view
SBA 7(a)/504 loan outcomes · compared with franchise loans of the same years
Banks have made 1 SBA-backed loans to U-Save Car & Truck Rental franchisees since 2014. Only 0 of its loans approved by FY2020 have resolved — fewer than the 30 we need to compare it fairly with other franchise loans, so we don't rate it.
All-time, 0 of 0 resolved loans charged off (—). That raw figure mixes every approval year since 2014 — loans made in 2006–08 failed at several times the rate of loans made in 2010–13 across all franchises — so it is shown as evidence, not as the score. 100% of the brand's loans have not resolved yet.
—
0 seasoned resolved · 30 needed
—
0 of 0 resolved, every approval year
—
charged-off $ ÷ approved $, defaulted loans
$72,000
what recent franchisees borrowed
—
shown with 10+ defaults
—
distinct banks lending
Charge-off rate by loan approval year (%) · dashed line = all franchise loans that year
SOURCE: SBA 7(a)/504 FOIA LOAN DATA (DATA.SBA.GOV), FY1991–PRESENT · MATCHED TO U-SAVE CAR & TRUCK RENTAL BY SBA FRANCHISE NAME/CODE · RESOLVED = CHARGED-OFF + PAID-IN-FULL · EXPECTED = SAME-YEAR RATE ACROSS ALL SBA FRANCHISE LOANS, LOANS ≥ ~6 YEARS OLD
What it costs — and what it drags
FDD Items 5–7 · fees, investment, royalty
Buying in means a total investment of $168K–$1.5M (Item 7). The franchisor publishes no earnings claim (Item 19) — ask current and former franchisees for real numbers.
To open (Item 7)
$168K–$1.5M
all-in investment range
Franchise fee (Item 5)
—
upfront, one-time
Royalty (Item 6)
6%
of sales, ongoing
Starts at a placeholder of $800K — a round figure for the sector, not from U-Save Car & Truck Rental’s filings. This brand's FDD makes no Item 19 earnings claim; set your own figure and check it with current and former owners.
Royalty you'd pay / yr
$48K
6% of sales, before profit
Over a 10-yr term
$480K
royalties alone, excl. ad fund
This estimate is computed by software from the brand's public filings and any inputs you enter. No CPA prepared it for you and no assurance is provided on it. Actual results will differ, and the differences may be material.
This is not profit. It covers what the FDD fixes: what you put in, and the royalty you owe on sales. Your take-home depends on parts, technician labor, rent, and the months to breakeven, none of which the FDD fixes for your unit (some Item 19s include cost data — read it).
Build a real pro-forma for U-Save Car & Truck Rental with a buyer-paid CPAPublic records
Bankruptcy, closure & federal court records · coverage is selective · dockets are not scored
We have no verified public-record signals published for U-Save Car & Truck Rental. This is not evidence that no events exist. Check PACER, the FDD's Item 3 (litigation) and Item 4 (bankruptcy), and recent news yourself.
8 questions to ask an U-Save Car & Truck Rental franchisee
Built from this brand's own disclosures · take it to your validation calls
The franchisor will give you a list of owners to call. Most buyers ask whether they like it. These questions come from what U-Save Car & Truck Rental has disclosed. Each one carries the number it came from, so you can check the answer against the record.
- 01
The system went from 73 units to 72 over 4 disclosed years. What's the explanation you've been given, and do you believe it?
A shrinking system means fewer owners funding the ad fund and support staff you're paying for.
FDD Item 20 · FY2021–FY2024
- 02
You pay 6.0% royalty on gross sales, plus the ad fund, before any of your own costs. On your actual revenue last year, what did you take home as the owner — not revenue, take-home?
Royalty is charged on sales, not profit. This is the number the brochure never shows and the one your life actually runs on.
FDD Item 6
- 03
U-Save Car & Truck Rental’s FDD makes no financial performance representation at all — legally, they've told buyers nothing about earnings. What did your first 24 months actually look like, month by month?
When a franchisor won't publish numbers, existing owners are the only source. Silence in Item 19 is a choice, not a requirement.
FDD Item 19 · 2025
- 04
How many months did it take to cover your own costs, and how much cash did you burn getting there?
Ramp-to-breakeven working capital is the most underestimated line in any franchise purchase, and the most common reason otherwise-good units fail.
Not disclosed in any FDD — ask an owner
- 05
Item 3 discloses 1 legal matter. Do you know what it was about, and was it brought by franchisees?
Franchisee-brought suits over territory, fees or support tell you how the franchisor behaves when there's a disagreement.
FDD Item 3 · 2025
- 06
What does the franchisor charge for that you didn't expect — required tech fees, mandatory remodels, approved-supplier pricing?
Required spending appears across Items 6, 8 and 11 rather than in one place, so buyers routinely miss the total.
FDD Items 6, 8, 11
- 07
If your agreement came up for renewal tomorrow at current terms, would you sign again?
The single most predictive question you can ask. A hesitation is the answer.
Ask every owner you speak to
- 08
Who else should I call — including someone who left?
The franchisor's list is curated by definition. Former franchisees are where the unflattering truth lives, and current owners usually know how to reach them.
Ask every owner you speak to
Want this as a checklist you can take to the calls?
I'll email you the printable version, and tell you if U-Save Car & Truck Rental’s numbers move — a new filing, a rising exit rate, a distress signal. Unsubscribe in one click.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing U-Save Car & Truck Rental’s numbers, including talking you out of a bad deal.
This page is what buyers see before they call you for validation. If the record above is wrong — or right in a way the numbers can't show — say so. Franchisors: send corrections with the page reference and we will review them against the filing and update or annotate the page. Corrections are checked against the filings; nothing you write is published with your name unless you agree to it.
U-Save Car & Truck Rental franchise questions, answered from the filings
How many U-Save Car & Truck Rental franchised outlets left the system last year?
In U-Save Car & Truck Rental's latest FDD Item 20 (fiscal 2024), 0 of 69 franchised outlets left the system — an exit rate of 0.0% — compared with a 1.7% median across 27 comparable systems (automotive) tracked here. That counts terminations, non-renewals, and "ceased operations — other reasons" as the franchisor reported them; it excludes transfers to new owners. The FDD does not say why each outlet left, and an exit is not the same as a failure.
How much does a U-Save Car & Truck Rental franchise cost?
Per U-Save Car & Truck Rental's 2025 FDD, buying in requires a total initial investment of $168K–$1.5M (Item 7).
What royalty does U-Save Car & Truck Rental charge?
U-Save Car & Truck Rental charges an ongoing royalty of 6.0% of gross sales, per Item 6 of its 2025 FDD.
Does U-Save Car & Truck Rental disclose earnings (Item 19)?
No — U-Save Car & Truck Rental's 2025 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.