Krystal vs TGI Fridays
Compare franchise fees, investment range, royalties, SBA lending performance, unit growth, and Item 19 transparency with a permanent shareable URL.
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Krystal
Casual Dining
Investment
$470K to $2.2M
Franchise fee
$35,000
Item 19 status
Revenue Only
Units
143
TGI Fridays
Casual Dining
Investment
$1.4M to $4.5M
Franchise fee
$50,000
Item 19 status
Revenue Only
Units
129
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 | Krystal | TGI Fridays |
|---|---|---|
Franchise Fee | $35,000 | $50,000 |
Min Investment | $470K | $1.4M |
Max Investment | $2.2M | $4.5M |
Royalty Rate | 5.0% | 4.0% |
Ad Fund Rate | 4.5% | 4.0% |
Total Ongoing Burden Royalty plus ad fund when available. | 9.5% | 8.0% |
Median Revenue (Item 19) | $961K | $3.1M |
Cash-on-Cash Return Estimated when revenue and margin assumptions are available. | 0.4% | 2.1% |
Payback Period | 273.6 yrs | 47.3 yrs |
Revenue per Dollar Invested | 0.73x | 1.06x |
Franchised Units | 143 | 129 |
1-Year Net Unit Change | 13 | -48 |
Net Unit Growth Rate | 10.2% | -35.8% |
Net Closure Rate Net closure proxy based on disclosed unit change. | N/A | 27.1% |
SBA Default Rate | 0.0% | 0.0% |
SBA Loan Count Use this to judge whether SBA default data is statistically meaningful. | 1 | 2 |
Average SBA Loan Size | $322K | $1.2M |
Item 19 Status | Revenue Only | Revenue Only |
Has Item 19 | ✓ Yes | ✓ Yes |
Data Quality Score | 100 | 100 |
What stands out
- • Krystal opens at $470K to $2.2M, while TGI Fridays ranges from $1.4M to $4.5M.
- • Krystal shows an Item 19 disclosure; TGI Fridays shows an Item 19 disclosure.
- • Krystal has 143 franchised units versus 129 for TGI Fridays.
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Last updated: April 2026