ScorecardWorth It?HistoryDatabaseCompareDistress Signals
OtherLimited DataItem 19: ✓ DisclosedHigh Confidence · 90/100FDD data: 2025 · Fresh

BNI Franchise Cost and Profit

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

Based on 2025 FDD · 8 filings in corpus

FranchiseIQ Score
62
C
Moderate Risk
Composite score from 3 risk dimensions. Click for breakdown ↓
Health Score
C+
65/100
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 BNI franchise cost and make?

Based on FDDIQ's FDD corpus, a BNI franchise shows an estimated initial investment of $53K – $194K. Reported owner economics show $0. 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
$53K – $194K
Total initial investment
Profit / Revenue
$0
FDD Item 19 signal
Payback Signal
0.0% cash-on-cash
Modeled return metric
SBA Default Rate
0.0%
Loan repayment history
Compare franchise costs →Estimate franchise ROI →Check SBA default rates →Browse Other franchises →Compare similar franchises →

Quick fee read: $35K franchise fee · 20% royalty/ad burden. These figures are directional screening data, not a substitute for reading the current FDD and speaking with existing operators.

Free decision snapshot

Before you talk to BNI, check the numbers buyers usually miss.

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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BNI Franchise Analysis

BNI requires a total initial investment of $53K to $194K (midpoint approximately $124K), with an initial franchise fee of $35K. The ongoing fee burden is 20% . This is above the industry average of approximately 15.5%, which warrants careful scrutiny of the value delivered for the fees charged.

According to Item 19 of the 2025 FDD, the median revenue for BNI locations is $274K. The implied franchisee EBITDA is approximately $0, based on the margin assumptions disclosed in the FDD.

BNI operates approximately 102 franchised units. Unit count is relatively stable with a -2.8% year-over-year change. The SBA 7(a) loan default rate of 0.0% is well below the industry average of approximately 7.2%, indicating strong franchisee financial outcomes.

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$53K – $194K
MinMid: $124KMax

Key Metrics

Franchise Fee
$35K
Royalty Rate
20%
Ad Fund Rate
-
Total Burden
20.0%
Royalty + ad fund
Units (2023)
102
-3 vs prior yr
Net Unit Growth
→ -2.8%
Year over year
Net Closure Rate
2.9%
From FDD Item 20
Cash-on-Cash Return
0.0%
Annual estimated return
Payback Period
~5–12 yrs
Break-even timeline
SBA Default Rate
0.0%
vs ~7.2% industry avg
Median Revenue
$274K
Item 19 disclosed
Red Flags Assessment
MEDIUM: Royalty burden above 10%
MED ×1
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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.

BNI vs. Other Average

MetricBNIOther Avg
SBA Default Rate0.0%▲7.2%
Cash-on-Cash Return0.0%▼15.5%
Total Investment$124K$250K

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

SBA Loan Performance

Real lending data from SBA 7(a) loans (2020-2020). 4 loans across 4 states.

Default Rate
0.0%
Low Risk
Total SBA Loans
4
4 states
Total Loan Volume
$3.1M
SBA 7(a) approved
Avg Loan Size
$774K
Per franchisee
Loan Status Breakdown
2
Paid in Full (50%)
2
Currently Active
0
Charged Off
$0
Total Charged Off ($)
● 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

BNI vs Brightmind LearningBNI vs USABNI vs Agile Pursuits Franchising INC Tide Cleaners

Similar Franchises · Other

Brightmind Learning
USA
Agile Pursuits Franchising INC Tide Cleaners
$40K–$2.5M
Brightmind Learning
Investment N/A
USA
Investment N/A
Agile Pursuits Franchising INC Tide Cleaners
$40K – $2.5M
Leaves
$244K – $490K

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Questions to Ask Before You Sign

5 data-driven questions every BNI franchise buyer should ask.

  1. 1.What is BNI's SBA default rate compared to its competitors?Learn more →
  2. 2.Does BNI 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 BNI →Validation 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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