ATAX vs ESTRELLA INSURANCE
Compare franchise fees, investment range, royalties, SBA lending performance, unit growth, and Item 19 transparency with a permanent shareable URL.
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ATAX
Financial Services
Investment
$101K to $524K
Franchise fee
$35,000
Item 19 status
Cost Data Only
Units
38
ESTRELLA INSURANCE
Financial Services
Investment
$50K to $84K
Franchise fee
$25,000
Item 19 status
Revenue Only
Units
16
Lower entry cost
Leans right
Based on minimum initial investment.
Better disclosed economics
Even
Uses Item 19 availability and transparency status.
Lower SBA default risk
Even
Treat low-loan brands carefully, sample size matters.
| Metric | ATAX | ESTRELLA INSURANCE |
|---|---|---|
Franchise Fee | $35,000 | $25,000 |
Min Investment | $101K | $50K |
Max Investment | $524K | $84K |
Royalty Rate | 14.0% | 10.0% |
Ad Fund Rate | 3.0% | 7.0% |
Total Ongoing Burden Royalty plus ad fund when available. | 17.0% | 17.0% |
Median Revenue (Item 19) | $85K | $4.4M |
Cash-on-Cash Return Estimated when revenue and margin assumptions are available. | 2.2% | 530.1% |
Payback Period | 46.1 yrs | 0.2 yrs |
Revenue per Dollar Invested | 0.27x | 66.27x |
Franchised Units | 38 | 16 |
1-Year Net Unit Change | -3 | -3 |
Net Unit Growth Rate | -10.0% | -21.4% |
Net Closure Rate Net closure proxy based on disclosed unit change. | 7.3% | 15.8% |
SBA Default Rate | 0.0% | 0.0% |
SBA Loan Count Use this to judge whether SBA default data is statistically meaningful. | 8 | 10 |
Average SBA Loan Size | $37K | $295K |
Item 19 Status | Cost Data Only | Revenue Only |
Has Item 19 | ✓ Yes | ✓ Yes |
Data Quality Score | 100 | 100 |
What stands out
- • ATAX opens at $101K to $524K, while ESTRELLA INSURANCE ranges from $50K to $84K.
- • ATAX shows an Item 19 disclosure; ESTRELLA INSURANCE shows an Item 19 disclosure.
- • ATAX has 38 franchised units versus 16 for ESTRELLA INSURANCE.
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Last updated: April 2026