Card My Yard vs PINOT’S PALETTE
Compare franchise fees, investment range, royalties, SBA lending performance, unit growth, and Item 19 transparency with a permanent shareable URL.
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Card My Yard
Retail
Investment
$10K to $19K
Franchise fee
$8,500
Item 19 status
Revenue Only
Units
532
PINOT’S PALETTE
Retail
Investment
$119K to $259K
Franchise fee
$25,000
Item 19 status
Revenue Only
Units
69
Lower entry cost
Leans left
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 | Card My Yard | PINOT’S PALETTE |
|---|---|---|
Franchise Fee | $8,500 | $25,000 |
Min Investment | $10K | $119K |
Max Investment | $19K | $259K |
Royalty Rate | 25.0% | 6.0% |
Ad Fund Rate | 0.5% | 2.0% |
Total Ongoing Burden Royalty plus ad fund when available. | 25.5% | 8.0% |
Median Revenue (Item 19) | $15K | $380K |
Cash-on-Cash Return Estimated when revenue and margin assumptions are available. | 0.0% | 8.0% |
Payback Period | N/A | 12.4 yrs |
Revenue per Dollar Invested | 1.04x | 2.01x |
Franchised Units | 532 | 69 |
1-Year Net Unit Change | 11 | -2 |
Net Unit Growth Rate | 2.2% | -2.7% |
Net Closure Rate Net closure proxy based on disclosed unit change. | N/A | 2.8% |
SBA Default Rate | N/A | 15.4% |
SBA Loan Count Use this to judge whether SBA default data is statistically meaningful. | N/A | 46 |
Average SBA Loan Size | N/A | $147K |
Item 19 Status | Revenue Only | Revenue Only |
Has Item 19 | ✓ Yes | ✓ Yes |
Data Quality Score | 100 | 100 |
What stands out
- • Card My Yard opens at $10K to $19K, while PINOT’S PALETTE ranges from $119K to $259K.
- • Card My Yard shows an Item 19 disclosure; PINOT’S PALETTE shows an Item 19 disclosure.
- • Card My Yard has 532 franchised units versus 69 for PINOT’S PALETTE.
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Last updated: April 2026