187 SYSTEMS · FDD ITEM 5 · WITH SBA LOAN RECORDS
Which franchises offer multi-unit discounts?
More systems name a multi-unit or area-development break in Item 5 than any other discount ground, including the veteran discount. These 187 systems name one; 26 also disclose the range of initial fees they collected in the prior year.
The caution is built into the deal: a multi-unit discount is paid for with a development schedule — open unit two and three by fixed dates or lose exclusivity, fees, or the agreement. A discount into a system whose SBA loans defaulted more often than same-year franchise loans multiplies that risk, so each row carries the brand's SBA loan record where it can be rated.
All 187 systemsdisclosed ranges first, largest gap leading; then A–Z
| Brand | Other discount grounds named | Prior-year fees collected | Low end below top | SBA loan record |
|---|---|---|---|---|
| Amada Senior Care | Veteran / VetFran, Transfer / resale | $0–$57,000 | 100% | too few seasoned loans |
| Mathnasium Centers | Veteran / VetFran, Transfer / resale | $0–$49,000 | 100% | 0× expected (0 of 42 resolved) |
| PHENIX SALON SUITES | Veteran / VetFran, Existing franchisee / renewal | $0–$52,500 | 100% | too few seasoned loans |
| Premier Pool Service | — | $0–$111,250 | 100% | no SBA loans |
| Fleet Clean | Transfer / resale | $10,000–$150,000 | 93% | too few seasoned loans |
| PRISM SPECIALTIES | Veteran / VetFran, Conversion of existing business, Existing franchisee / renewal, Promotional / emerging-brand | $3,500–$50,700 | 93% | too few seasoned loans |
| THE MAIDS | Veteran / VetFran | $20,616–$134,925 | 85% | 1.2× expected (13 of 75 resolved) |
| AQUA-TOTS SWIM SCHOOLS | — | $10,000–$50,000 | 80% | too few seasoned loans |
| Potbelly Sandwich Shop | Existing franchisee / renewal, Transfer / resale, Promotional / emerging-brand | $10,000–$40,000 | 75% | too few seasoned loans |
| WILD BIRDS UNLIMITED | Veteran / VetFran, Conversion of existing business, Existing franchisee / renewal, Promotional / emerging-brand | $5,000–$20,000 | 75% | 0.3× expected (4 of 98 resolved) |
| Speedy Freight | Veteran / VetFran | $37,125–$124,550 | 70% | no SBA loans |
| SQUEEGEE SQUAD | — | $49,000–$149,030 | 67% | too few seasoned loans |
| CODE NINJAS | Veteran / VetFran, Transfer / resale | $20,000–$40,000 | 50% | 1.5× expected (12 of 74 resolved) |
| OASIS SENIOR ADVISORS | Veteran / VetFran, Existing franchisee / renewal | $40,000–$80,000 | 50% | too few seasoned loans |
| POSTNET | Veteran / VetFran, Conversion of existing business, Existing franchisee / renewal, Transfer / resale, Family / employee, Diversity initiative, Promotional / emerging-brand | $19,975–$39,950 | 50% | 1.1× expected (43 of 215 resolved) |
| SERVICEMASTER CLEAN | Veteran / VetFran, Conversion of existing business, Existing franchisee / renewal, Transfer / resale, Family / employee, Promotional / emerging-brand | $16,250–$32,500 | 50% | 0× expected (0 of 75 resolved) |
| SERVICEMASTER RESTORE | Veteran / VetFran, Conversion of existing business, Existing franchisee / renewal, Family / employee, Promotional / emerging-brand | $36,250–$72,500 | 50% | 0.5× expected (20 of 243 resolved) |
| WALK ON'S SPORTS BISTREAUX | — | $30,000–$60,000 | 50% | no SBA loans |
| MOTTO MORTGAGE | Existing franchisee / renewal, Transfer / resale, Promotional / emerging-brand | $20,000–$35,000 | 43% | too few seasoned loans |
| PET EVOLUTION (UNIT) | Veteran / VetFran, Existing franchisee / renewal | $39,000–$59,000 | 34% | no SBA loans |
| Hudson Valley Swim | Veteran / VetFran, Family / employee | $39,500–$59,500 | 34% | too few seasoned loans |
| HALAL GUYS (THE) | Existing franchisee / renewal, Transfer / resale | $40,000–$60,000 | 33% | too few seasoned loans |
| Dave's Hot Chicken | — | $30,000–$40,000 | 25% | too few seasoned loans |
| TACO JOHN'S | Veteran / VetFran, Existing franchisee / renewal, Transfer / resale, Promotional / emerging-brand | $20,000–$25,000 | 20% | 0.9× expected (20 of 110 resolved) |
| Kitchen Guard | Veteran / VetFran, Conversion of existing business, Existing franchisee / renewal, Promotional / emerging-brand | $40,000–$49,000 | 18% | too few seasoned loans |
| HOUNDS TOWN USA | Veteran / VetFran, Existing franchisee / renewal | $44,100–$49,000 | 10% | too few seasoned loans |
| 101 MOBILITY | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| 7 BREW | Transfer / resale | not disclosed | — | too few seasoned loans |
| ACE HANDYMAN SERVICES | Veteran / VetFran, Existing franchisee / renewal | not disclosed | — | too few seasoned loans |
| Ace Hardware | Veteran / VetFran, Family / employee, Promotional / emerging-brand, Conversion of existing business, Existing franchisee / renewal | not disclosed | — | 0.8× expected (86 of 671 resolved) |
| Alloy Wheel Repair Specialists | Veteran / VetFran, Existing franchisee / renewal | not disclosed | — | too few seasoned loans |
| Angry Chickz | — | not disclosed | — | no SBA loans |
| Another Nine | Transfer / resale | not disclosed | — | no SBA loans |
| Art of Drawers | Veteran / VetFran, Existing franchisee / renewal | not disclosed | — | too few seasoned loans |
| BB.Q CHICKEN | Veteran / VetFran, Existing franchisee / renewal, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| BEEF O' BRADY'S FAMILY SPORTS PUBS | Veteran / VetFran | not disclosed | — | 2.3× expected (62 of 126 resolved) |
| beem Light Sauna | Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| Beignets & Brew | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| Big Air Trampoline Park | Existing franchisee / renewal | not disclosed | — | too few seasoned loans |
| Blimpie | Veteran / VetFran, Existing franchisee / renewal, Transfer / resale, Promotional / emerging-brand | not disclosed | — | 1.7× expected (160 of 537 resolved) |
| BLO BLOW DRY BAR INC. | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| BOARDROOM | Veteran / VetFran, Existing franchisee / renewal, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| BRICKS AND MINFIGS | Existing franchisee / renewal, Transfer / resale | not disclosed | — | too few seasoned loans |
| Cabinet IQ | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| Cait's Estate Sales | Veteran / VetFran | not disclosed | — | no SBA loans |
| CANDY CLOUD | Veteran / VetFran, Existing franchisee / renewal, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| CAR-X | Veteran / VetFran, Existing franchisee / renewal, Transfer / resale, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| CARIBOU COFFEE | — | not disclosed | — | too few seasoned loans |
| CARING SENIOR SERVICE | Veteran / VetFran, Conversion of existing business, Diversity initiative | not disclosed | — | too few seasoned loans |
| CARING TRANSITIONS | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| CARL'S JR | — | not disclosed | — | too few seasoned loans |
| CENTRAL BARK | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| Challenge Island | Veteran / VetFran, Transfer / resale | not disclosed | — | too few seasoned loans |
| Church'S Fried Chicken | Veteran / VetFran, Existing franchisee / renewal, Transfer / resale, Promotional / emerging-brand | not disclosed | — | 1.0× expected (21 of 100 resolved) |
| Cleanest Restaurant Group | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| Cloudbound | Veteran / VetFran | not disclosed | — | no SBA loans |
| COMPASS BY MARGARITAVILLE | Conversion of existing business | not disclosed | — | no SBA loans |
| COUSINS MAINE LOBSTER | Existing franchisee / renewal, Transfer / resale | not disclosed | — | too few seasoned loans |
| Crispy Cones | Transfer / resale | not disclosed | — | too few seasoned loans |
| CRUISE PLANNERS | Veteran / VetFran, Promotional / emerging-brand | not disclosed | — | no SBA loans |
| CRUMBL | — | not disclosed | — | too few seasoned loans |
| Crunch | Veteran / VetFran, Conversion of existing business, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| D-Bat | Veteran / VetFran, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| DAIRY QUEEN | Existing franchisee / renewal, Transfer / resale | not disclosed | — | 0.6× expected (152 of 1,586 resolved) |
| Daisy | Conversion of existing business | not disclosed | — | too few seasoned loans |
| DEER SOLUTION | Veteran / VetFran | not disclosed | — | no SBA loans |
| Delah Coffee | — | not disclosed | — | no SBA loans |
| DIPPIN' DOTS | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| DivaDance (Unit) | Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| DOC POPCORN | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| DOODYCALLS | Veteran / VetFran, Existing franchisee / renewal, Diversity initiative, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| EDIBLE ARRANGEMENTS | Veteran / VetFran, Existing franchisee / renewal, Transfer / resale, Promotional / emerging-brand | not disclosed | — | 0.8× expected (52 of 357 resolved) |
| ENVIRO-MASTER | Existing franchisee / renewal | not disclosed | — | too few seasoned loans |
| Executive Home Care | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| Extreme Pizza | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| Fantastic Sams | — | not disclosed | — | 1.2× expected (97 of 438 resolved) |
| FENG CHA | — | not disclosed | — | too few seasoned loans |
| Fish & Chips | — | not disclosed | — | no SBA loans |
| FITNESS MACHINE TECHNICIANS FMT | Veteran / VetFran, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| Floor Crafters | Veteran / VetFran | not disclosed | — | no SBA loans |
| Frios | Veteran / VetFran, Existing franchisee / renewal | not disclosed | — | too few seasoned loans |
| Game Show Studio | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| Genie Senior Services | — | not disclosed | — | no SBA loans |
| Gforce | Veteran / VetFran, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| GLO Tanning | Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| Go Greek Shops | — | not disclosed | — | no SBA loans |
| Golf Envy | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| Goliathtech | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| Gordo's Bubble Waffles | — | not disclosed | — | no SBA loans |
| GREEN + The GRAIN | — | not disclosed | — | no SBA loans |
| GREEN LEAF'S BEYOND GREAT SALADS/BANANAS SMOOTHIES & FROZEN YOGURT | Veteran / VetFran, Existing franchisee / renewal, Promotional / emerging-brand | not disclosed | — | no SBA loans |
| Hardee's | Promotional / emerging-brand | not disclosed | — | 1.5× expected (19 of 83 resolved) |
| HB Wellness | — | not disclosed | — | no SBA loans |
| Hear Again Franchising | Veteran / VetFran, Conversion of existing business | not disclosed | — | too few seasoned loans |
| HOBBY USA | Veteran / VetFran, Conversion of existing business, Existing franchisee / renewal, Transfer / resale | not disclosed | — | too few seasoned loans |
| Hole in the Wall | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| HOME HELPERS HOME CARE | Veteran / VetFran, Conversion of existing business, Existing franchisee / renewal, Promotional / emerging-brand | not disclosed | — | 0.3× expected (2 of 45 resolved) |
| Home Matters Care Giving (Unit) | Veteran / VetFran, Conversion of existing business, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| HOMEWATCH CAREGIVERS | Veteran / VetFran, Existing franchisee / renewal, Diversity initiative, Promotional / emerging-brand | not disclosed | — | 1.3× expected (7 of 30 resolved) |
| Honest Art | Veteran / VetFran, Transfer / resale, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| Hydrate IV Bar | Veteran / VetFran, Existing franchisee / renewal | not disclosed | — | too few seasoned loans |
| Icode | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| IMPRESA MODULAR | — | not disclosed | — | too few seasoned loans |
| Interim Healthcare | Veteran / VetFran, Conversion of existing business, Existing franchisee / renewal | not disclosed | — | 1.0× expected (5 of 37 resolved) |
| iSmash | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| Ivybrook Academy | Existing franchisee / renewal, Transfer / resale | not disclosed | — | too few seasoned loans |
| JIFFY LUBE | Veteran / VetFran, Conversion of existing business, Existing franchisee / renewal, Promotional / emerging-brand | not disclosed | — | 0.3× expected (5 of 109 resolved) |
| JINYA RAMEN BAR | — | not disclosed | — | too few seasoned loans |
| Jungle Driving School | — | not disclosed | — | too few seasoned loans |
| Junk Shot | Veteran / VetFran, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| Keyrenter Property Management | Veteran / VetFran, Conversion of existing business | not disclosed | — | too few seasoned loans |
| Laundry Spot | — | not disclosed | — | no SBA loans |
| Long John Silver's | Veteran / VetFran, Existing franchisee / renewal, Transfer / resale, Promotional / emerging-brand | not disclosed | — | 1.4× expected (15 of 55 resolved) |
| MARGARITAVILLE HOTELS & RESORTS | Conversion of existing business | not disclosed | — | no SBA loans |
| Mason's Famous Lobster Roll | Veteran / VetFran | not disclosed | — | no SBA loans |
| MassageLuxe | Veteran / VetFran, Conversion of existing business, Promotional / emerging-brand | not disclosed | — | 1.0× expected (3 of 31 resolved) |
| Melt N Dip | Existing franchisee / renewal | not disclosed | — | no SBA loans |
| MI-Box | — | not disclosed | — | too few seasoned loans |
| Mobiledumps | Veteran / VetFran, Existing franchisee / renewal | not disclosed | — | no SBA loans |
| MONSTER TREE SERVICE | Veteran / VetFran, Existing franchisee / renewal, Diversity initiative, Promotional / emerging-brand | not disclosed | — | 1.5× expected (6 of 38 resolved) |
| Montessori Kids Universe | — | not disclosed | — | too few seasoned loans |
| MOSQUITO AUTHORITY | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| MURPHY BUSINESS & FINANCIAL CORPORATION | Veteran / VetFran, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| New Mom School | Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| PaintEZ | — | not disclosed | — | too few seasoned loans |
| Payroll Vault Franchising | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| Pearce Bespoke | Veteran / VetFran, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| Perspire Sauna Studio | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| PEST AUTHORITY | Veteran / VetFran | not disclosed | — | no SBA loans |
| PETLAND | Existing franchisee / renewal, Transfer / resale | not disclosed | — | 2.1× expected (73 of 176 resolved) |
| PickleRage | — | not disclosed | — | too few seasoned loans |
| PIGTAILS & CREWCUTS | — | not disclosed | — | too few seasoned loans |
| Pinot's Palette | Veteran / VetFran, Existing franchisee / renewal | not disclosed | — | 2.2× expected (7 of 31 resolved) |
| Planet Fitness | Conversion of existing business | not disclosed | — | 0× expected (0 of 136 resolved) |
| PLAYA BOWLS | Existing franchisee / renewal | not disclosed | — | too few seasoned loans |
| POPUP BAGELS | Transfer / resale, Promotional / emerging-brand | not disclosed | — | no SBA loans |
| PRIME IV HYDRATION & WELLNESS (UNIT) | — | not disclosed | — | too few seasoned loans |
| Prime Senior Placement | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| Pro Image Sports | — | not disclosed | — | 1.5× expected (8 of 33 resolved) |
| Qargo Coffee | Veteran / VetFran, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| Renew Medic | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| RestoPros | Veteran / VetFran, Existing franchisee / renewal | not disclosed | — | too few seasoned loans |
| Roti Modern Mediterranean | — | not disclosed | — | no SBA loans |
| Salsarita's Fresh Mexican Grill | — | not disclosed | — | too few seasoned loans |
| Sarpino's Pizzeria | Veteran / VetFran, Conversion of existing business | not disclosed | — | too few seasoned loans |
| SHINE WINDOW CARE AND HOLIDAY LIGHTING | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| Sigri Indian BBQ | Veteran / VetFran | not disclosed | — | no SBA loans |
| Slick City | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| Smalls Sliders | Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| Snap Fitness | Veteran / VetFran, Existing franchisee / renewal, Promotional / emerging-brand | not disclosed | — | 0.8× expected (27 of 233 resolved) |
| SPEEDPRO | Veteran / VetFran, Conversion of existing business | not disclosed | — | 2.2× expected (9 of 43 resolved) |
| Spherion | Veteran / VetFran, Existing franchisee / renewal | not disclosed | — | too few seasoned loans |
| Spin Doctor | — | not disclosed | — | too few seasoned loans |
| SPITZ - HOME OF THE DONER KEBAB | Existing franchisee / renewal | not disclosed | — | too few seasoned loans |
| stayAPT | — | not disclosed | — | too few seasoned loans |
| Stemtree | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| STORsquare | Veteran / VetFran | not disclosed | — | no SBA loans |
| Street Pizza | — | not disclosed | — | too few seasoned loans |
| Superior Fence & Rail | Veteran / VetFran, Existing franchisee / renewal, Transfer / resale | not disclosed | — | too few seasoned loans |
| Surv | Veteran / VetFran, Existing franchisee / renewal | not disclosed | — | too few seasoned loans |
| SYLVAN LEARNING | Veteran / VetFran, Existing franchisee / renewal, Promotional / emerging-brand | not disclosed | — | 1.1× expected (61 of 260 resolved) |
| Tabla Indian Cuisine | — | not disclosed | — | too few seasoned loans |
| TAHINI'S MEDITERRANEAN CUISINE | Promotional / emerging-brand | not disclosed | — | no SBA loans |
| Tapville Social | — | not disclosed | — | too few seasoned loans |
| TECHY | — | not disclosed | — | too few seasoned loans |
| THE AGENCY | — | not disclosed | — | too few seasoned loans |
| THE DOG WIZARD | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| The Grout Doctor | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| The Peach Cobbler Factory | — | not disclosed | — | too few seasoned loans |
| The Picklr | — | not disclosed | — | too few seasoned loans |
| Tire Pros | Veteran / VetFran | not disclosed | — | too few seasoned loans |
| TitleEase | — | not disclosed | — | no SBA loans |
| Town Square | Veteran / VetFran, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| TRAVELIN' TOM'S COFFEE | Existing franchisee / renewal | not disclosed | — | no SBA loans |
| Tropical Smoothie Cafe | Veteran / VetFran, Existing franchisee / renewal | not disclosed | — | 0.8× expected (40 of 326 resolved) |
| Ultimate Longevity Center | Promotional / emerging-brand | not disclosed | — | no SBA loans |
| Urban Waxx | Diversity initiative | not disclosed | — | too few seasoned loans |
| VENTURE X | Veteran / VetFran, Existing franchisee / renewal, Transfer / resale | not disclosed | — | too few seasoned loans |
| VICTORY LANE CENTERS | Veteran / VetFran, Conversion of existing business | not disclosed | — | no SBA loans |
| Villa Pizza | Veteran / VetFran, Existing franchisee / renewal, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| Water Wings Swim School | Veteran / VetFran, Existing franchisee / renewal, Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| WE ROCK THE SPECTRUM KID'S GYM FOR ALL KIDS | Promotional / emerging-brand | not disclosed | — | too few seasoned loans |
| West Coast Sourdough (Unit) | Veteran / VetFran | not disclosed | — | no SBA loans |
| Wild Bill's | Veteran / VetFran, Family / employee | not disclosed | — | too few seasoned loans |
| Wild Eggs | — | not disclosed | — | no SBA loans |
| Wingstop | Transfer / resale | not disclosed | — | 0.5× expected (32 of 386 resolved) |
| WorldKids School | — | not disclosed | — | too few seasoned loans |
“Prior-year fees collected” is the range of initial fees the franchisor disclosed collecting in its prior fiscal year. The filing names a multi-unit program, but the low end may reflect other terms. “SBA loan record” compares charge-offs on the brand's seasoned SBA loans (approved six or more years before the data cut) with what franchise loans approved in the same years produced: 1.0× is the same rate, 2.0× twice as often. It is shown only with at least 30 such resolved loans; 32 of the 187 brands here clear that floor.
Methodology & sourcing
A brand appears here when Item 5 of any of its state-registered FDD filings names a multi-unit, area-development, or development-agreement discount on the initial franchise fee. “Collected as low as” comes from the actual fee range the franchisor disclosed collecting in its prior fiscal year — printed only for arms-length disclosures, and the low end is not necessarily the multi-unit price; it shows the fee moved. Loan records come from SBA 7(a)/504 FOIA files and use the same vintage-adjusted loss ratio and sample floor as the rest of this site.
Before signing any development agreement: the discount is certain, the schedule is a commitment, and unit one's performance is unknown. Negotiate the schedule (and what happens if you miss it) as hard as the fee. See the full fee-discount study and the site methodology.
Before you sign anythingfree · 30 min · no commission
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 the numbers, including talking you out of a bad deal.