BIG O TIRES vs CREATIVE COLORS
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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BIG O TIRES
Automotive
Investment
$512K to $1.9M
Franchise fee
$17,500
Item 19 status
Limited Data
Confidence
High Confidence
Units
26
CREATIVE COLORS
Automotive
Investment
$101K to $122K
Franchise fee
$59,500
Item 19 status
Confidence
High Confidence
Units
70
Lower entry cost
Leans right
Based on disclosed minimum initial investment only; buyer cash needs may be higher after working capital, lease, and financing assumptions.
Better disclosed economics
BIG O TIRES
Uses the same Item 19 transparency hierarchy shown on franchise pages and rankings.
Lower SBA default risk
Leans right
Treat low-loan brands carefully; sample size and SBA borrower mix matter.
| Metric | BIG O TIRES | CREATIVE COLORS |
|---|---|---|
Franchise Fee From disclosed FDD fee data when available; excludes buyer-specific legal, diligence, and financing costs. | $17,500 | $59,500 |
Min Investment Lower bound of disclosed initial investment range, not a recommended capital budget. | $512K | $101K |
Max Investment Upper end of FDD range; still reconcile to site, lease, buildout, and working-capital assumptions. | $1.9M | $122K |
Royalty Rate Ongoing royalty burden before local store economics and owner salary. | 5.0% | 7.5% |
Ad Fund Rate National/brand fund rate when disclosed; local marketing may be additive. | 4.0% | 1.0% |
Total Ongoing Burden Royalty plus ad fund when available. | 9.0% | 8.5% |
Median Revenue (Item 19) Only meaningful when the franchisor provides an Item 19 financial-performance representation. | $2.7M | $223K |
Cash-on-Cash Return Estimated when revenue and margin assumptions are available. | 13.7% | 13.0% |
Payback Period | 7.3 yrs | 7.7 yrs |
Revenue per Dollar Invested | 2.29x | 2.00x |
Franchised Units Latest disclosed franchised-unit count in the corpus. | 26 | 70 |
1-Year Net Unit Change Item 20-style system movement signal; investigate transfers, closures, and refranchising before assuming organic growth. | N/A | 0 |
Net Unit Growth Rate | N/A | 0.0% |
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. | 3.8% | 0.0% |
SBA Loan Count Use this to judge whether SBA default data is statistically meaningful. | 141 | 4 |
Average SBA Loan Size | $921K | $256K |
Item 19 Status Canonical transparency badge used across franchise, ranking, and compare surfaces. | Limited Data | |
Has Item 19 | ✓ Yes | ✓ Yes |
Data Confidence Derived from the same data-quality thresholds used on franchise pages. | High Confidence · 100/100 | High Confidence · 100/100 |
What stands out
- • BIG O TIRES discloses an initial investment range of $512K to $1.9M, while CREATIVE COLORS discloses $101K to $122K. Treat these as FDD ranges, not a full purchase budget.
- • BIG O TIRES shows an Item 19 financial-performance disclosure; CREATIVE COLORS shows an Item 19 financial-performance disclosure. Missing Item 19 data should narrow confidence, not automatically kill a brand.
- • BIG O TIRES has 26 franchised units versus 70 for CREATIVE COLORS; use one-year net unit movement and closure proxies as early diligence signals, not final underwriting.
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Last updated: May 2026