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AutomotiveLimited DataItem 19: ✓ DisclosedHigh Confidence · 100/100FDD data: 2025 · Fresh

BIG O TIRES Franchise Cost and Profit

FDD-based startup cost, franchise fee, revenue, profit, SBA default rate, and investment risk signals for BIG O TIRES.

Based on 2025 FDD · 11 filings in corpus

FranchiseIQ Score
70
B
Moderate-Low Risk
Composite score from 3 risk dimensions. Click for breakdown ↓
Health Score
C
56/100
6/7 metrics · High confidence
Full analysis unlocks:
✓ Cash-on-Cash return
✓ Payback period
✓ SBA default rate
✓ Red flags assessment
✓ Comparable franchises
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Cost and profit at a glance

How much does a BIG O TIRES franchise cost and make?

Based on FDDIQ's FDD corpus, a BIG O TIRES franchise shows an estimated initial investment of $512K – $1.9M. Reported owner economics show $165K. Use the links below to compare the cost, revenue, SBA loan history, and ROI against other franchises before you request the full FDD.

Startup Cost
$512K – $1.9M
Total initial investment
Profit / Revenue
$165K
FDD Item 19 signal
Payback Signal
7.3 years
Modeled return metric
SBA Default Rate
3.8%
Loan repayment history
Compare franchise costsEstimate franchise ROICheck SBA default ratesBrowse Automotive franchisesCompare similar franchises

Quick fee read: $18K franchise fee · 9% royalty/ad burden. These figures are directional screening data, not a substitute for reading the current FDD and speaking with existing operators.

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The unlocked report ties this brand's FDD disclosures to SBA outcomes, Item 20 movement, fee load, missing-data labels, and buyer assumptions — so you can decide whether this is worth deeper diligence.

FDD disclosure qualitySBA default outcomesItem 20 unit movementFee/cost stressComparable brands
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BIG O TIRES Franchise Analysis

BIG O TIRES requires a total initial investment of $512K to $1.9M (midpoint approximately $1.2M), with an initial franchise fee of $18K. The ongoing fee burden is 9% (5% royalty plus 4% advertising fund). This is below the industry average of approximately 15.5%, leaving more margin for the operator.

According to Item 19 of the 2025 FDD, the median revenue for BIG O TIRES locations is $2.7M. The implied franchisee EBITDA is approximately $165K, based on the margin assumptions disclosed in the FDD. The estimated cash-on-cash return is 13.7% with a payback period of approximately 7.3 years.

BIG O TIRES operates approximately 26 franchised units. The SBA 7(a) loan default rate of 3.8% is in line with industry norms of approximately 7.2%.

Prospective franchisees should verify all figures against the most recent FDD, conduct validation calls with multiple existing franchisees, and consult with a franchise attorney before signing any agreement.

Analysis based on 2025 FDD filing. FDDIQ Editorial Team · Methodology

Total Investment Range$512K$1.9M
MinMid: $1.2MMax

Key Metrics

Franchise Fee
$18K
Royalty Rate
5%
Ad Fund Rate
4%
Total Burden
9.0%
Royalty + ad fund
Units (2023)
26
Net Unit Growth
-
Year over year
Cash-on-Cash Return
13.7%
Annual estimated return
Payback Period
7.3 yrs
Break-even timeline
SBA Default Rate
3.8%
vs ~7.2% industry avg
Median Revenue
$2.7M
Item 19 disclosed
Premium Data

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CoC ReturnPayback PeriodSBA Default RateMedian RevenueEbitda MarginRisk Score
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Estimated using sector-average margins. Actual franchise economics vary by location, operator, and market conditions.

BIG O TIRES vs. Automotive Average

MetricBIG O TIRESAutomotive Avg
SBA Default Rate3.8%7.2%
Cash-on-Cash Return13.7%15.5%
Total Investment$1.2M$250K

Industry averages based on FranchiseIQ corpus benchmarks. ▲ = better than avg, ▼ = worse.

SBA Loan Performance

Real lending data from SBA 7(a) loans (2010-2025). 141 loans across 17 states.

Default Rate
3.8%
Low Risk
Total SBA Loans
141
17 states
Total Loan Volume
$129.9M
SBA 7(a) approved
Avg Loan Size
$921K
Per franchisee
Loan Status Breakdown
65
Paid in Full (46%)
61
Currently Active
3
Charged Off (0.5% by $)
$708K
Total Charged Off ($)
Paid Active Charged Off

Source: SBA 7(a) loan data via FOIA. Default rate = charged-off loans / total originated. Industry avg default rate ~7.2%.

Compare

BIG O TIRES vs A & E AUTO SOUND, INC.BIG O TIRES vs American Tire DepotBIG O TIRES vs ProntoWash

Similar Franchises · Automotive

A & E AUTO SOUND, INC.
$94K$434K
American Tire Depot
Limited Data
$335K$549K
ProntoWash
Limited Data
$37K$401K
A & E AUTO SOUND, INC.
$94K – $434K
American Tire Depot
$335K – $549K
ProntoWash
$37K – $401K
CREATIVE COLORS
$101K – $122K

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Questions to Ask Before You Sign

5 data-driven questions every BIG O TIRES franchise buyer should ask.

  1. 1.What is BIG O TIRES's SBA default rate compared to its competitors?Learn more →
  2. 2.Does BIG O TIRES disclose Item 19 financial performance representations?Learn more →
  3. 3.What is the net unit growth trend over the past 3 years?Learn more →
  4. 4.What is the franchisee termination and transfer rate per Item 20?Learn more →
  5. 5.What do the FDD litigation disclosures (Item 3) reveal about franchisor legal history?Learn more →
Generate attorney questions for BIG O TIRESValidation call guide →
Data sourced from publicly filed Franchise Disclosure Documents (FDDs) submitted to state franchise regulators. SBA loan data from public SBA 7(a) records. Information reflects the most recent FDD filing in our database and may not reflect current terms. Always verify with the franchisor's current FDD before making any investment decision. Not legal or financial advice.

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