Huddle House vs Krystal
Compare franchise fees, investment range, royalties, SBA lending performance, unit growth, and Item 19 transparency with a permanent shareable URL.
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Huddle House
Casual Dining
Investment
$381K to $1.7M
Franchise fee
$35,000
Item 19 status
Cost Data Only
Units
216
Krystal
Casual Dining
Investment
$470K to $2.2M
Franchise fee
$35,000
Item 19 status
Revenue Only
Units
143
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
Leans right
Treat low-loan brands carefully, sample size matters.
| Metric | Huddle House | Krystal |
|---|---|---|
Franchise Fee | $35,000 | $35,000 |
Min Investment | $381K | $470K |
Max Investment | $1.7M | $2.2M |
Royalty Rate | 4.8% | 5.0% |
Ad Fund Rate | 3.5% | 4.5% |
Total Ongoing Burden Royalty plus ad fund when available. | 8.3% | 9.5% |
Median Revenue (Item 19) | $810K | $961K |
Cash-on-Cash Return Estimated when revenue and margin assumptions are available. | 1.4% | 0.4% |
Payback Period | 73.9 yrs | 273.6 yrs |
Revenue per Dollar Invested | 0.77x | 0.73x |
Franchised Units | 216 | 143 |
1-Year Net Unit Change | -3 | 13 |
Net Unit Growth Rate | -1.3% | 10.2% |
Net Closure Rate Net closure proxy based on disclosed unit change. | 1.4% | N/A |
SBA Default Rate | 18.5% | 0.0% |
SBA Loan Count Use this to judge whether SBA default data is statistically meaningful. | 35 | 1 |
Average SBA Loan Size | $681K | $322K |
Item 19 Status | Cost Data Only | Revenue Only |
Has Item 19 | ✓ Yes | ✓ Yes |
Data Quality Score | 100 | 100 |
What stands out
- • Huddle House opens at $381K to $1.7M, while Krystal ranges from $470K to $2.2M.
- • Huddle House shows an Item 19 disclosure; Krystal shows an Item 19 disclosure.
- • Huddle House has 216 franchised units versus 143 for Krystal.
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Last updated: April 2026