Automobile Protection Corporation- APCO vs F-O-R-T-U-N-E Franchise Corporation
Compare FDD disclosures, investment range, royalty and ad fund burden, SBA lending outcomes, Item 20-style unit movement, Item 19 transparency, and data-confidence caveats with a permanent shareable URL.
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Automobile Protection Corporation- APCO
Business
Investment
N/A to N/A
Franchise fee
N/A
Item 19 status
No Item 19
Confidence
Low Confidence
Units
N/A
F-O-R-T-U-N-E Franchise Corporation
Business
Investment
$95K to $750K
Franchise fee
$37,500
Item 19 status
Confidence
High Confidence
Units
23
Lower entry cost
Even
Based on disclosed minimum initial investment only; buyer cash needs may be higher after working capital, lease, and financing assumptions.
Better disclosed economics
Automobile Protection Corporation- APCO
Uses the same Item 19 transparency hierarchy shown on franchise pages and rankings.
Lower SBA default risk
Even
Treat low-loan brands carefully; sample size and SBA borrower mix matter.
| Metric | Automobile Protection Corporation- APCO | F-O-R-T-U-N-E Franchise Corporation |
|---|---|---|
Franchise Fee From disclosed FDD fee data when available; excludes buyer-specific legal, diligence, and financing costs. | N/A | $37,500 |
Min Investment Lower bound of disclosed initial investment range, not a recommended capital budget. | N/A | $95K |
Max Investment Upper end of FDD range; still reconcile to site, lease, buildout, and working-capital assumptions. | N/A | $750K |
Royalty Rate Ongoing royalty burden before local store economics and owner salary. | N/A | 5.0% |
Ad Fund Rate National/brand fund rate when disclosed; local marketing may be additive. | N/A | 1.0% |
Total Ongoing Burden Royalty plus ad fund when available. | N/A | 6.0% |
Median Revenue (Item 19) Only meaningful when the franchisor provides an Item 19 financial-performance representation. | N/A | $480K |
Cash-on-Cash Return Estimated when revenue and margin assumptions are available. | N/A | 15.9% |
Payback Period | N/A | 6.3 yrs |
Revenue per Dollar Invested | N/A | 1.14x |
Franchised Units Latest disclosed franchised-unit count in the corpus. | N/A | 23 |
1-Year Net Unit Change Item 20-style system movement signal; investigate transfers, closures, and refranchising before assuming organic growth. | N/A | N/A |
Net Unit Growth Rate | N/A | N/A |
Net Closure Rate Net closure proxy based on disclosed unit change. | N/A | N/A |
SBA Default Rate Historical SBA performance for matched loans, not a prediction for a new buyer or location. | N/A | N/A |
SBA Loan Count Use this to judge whether SBA default data is statistically meaningful. | N/A | N/A |
Average SBA Loan Size | N/A | N/A |
Item 19 Status Canonical transparency badge used across franchise, ranking, and compare surfaces. | No Item 19 | |
Has Item 19 | No | ✓ Yes |
Data Confidence Derived from the same data-quality thresholds used on franchise pages. | Low Confidence · 25/100 | High Confidence · 85/100 |
What stands out
- • Automobile Protection Corporation- APCO discloses an initial investment range of N/A to N/A, while F-O-R-T-U-N-E Franchise Corporation discloses $95K to $750K. Treat these as FDD ranges, not a full purchase budget.
- • Automobile Protection Corporation- APCO shows no Item 19 financial-performance disclosure; F-O-R-T-U-N-E Franchise Corporation shows an Item 19 financial-performance disclosure. Missing Item 19 data should narrow confidence, not automatically kill a brand.
- • Automobile Protection Corporation- APCO has N/A franchised units versus 23 for F-O-R-T-U-N-E Franchise Corporation; use one-year net unit movement and closure proxies as early diligence signals, not final underwriting.
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Last updated: May 2026