ScorecardWorth It?HistoryDatabaseCompareDistress Signals
TravelRevenue OnlyItem 19: ✓ DisclosedHigh Confidence · 95/100

COTTAGE INN Franchise Cost and Profit

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

Based on 2025 FDD · 1 filing in corpus

FranchiseIQ Score
49
D
High Risk
Composite score from 3 risk dimensions. Click for breakdown ↓
Health Score
D
40/100
5/7 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 COTTAGE INN franchise cost and make?

Based on FDDIQ's FDD corpus, a COTTAGE INN franchise shows an estimated initial investment of $216K – $500K. Reported owner economics show $2K. 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
$216K – $500K
Total initial investment
Profit / Revenue
$2K
FDD Item 19 signal
Payback Signal
237.1 years
Modeled return metric
SBA Default Rate
50.0%
Loan repayment history
Compare franchise costs →Estimate franchise ROI →Check SBA default rates →Browse Travel franchises →Compare similar franchises →

Quick fee read: $25K franchise fee · 5.0% 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 COTTAGE INN, 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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Total Investment Range$216K – $500K
MinMid: $358KMax

Key Metrics

Franchise Fee
$25K
Royalty Rate
5%
Ad Fund Rate
4%
Total Burden
5.0%
Royalty + ad fund
Units (2023)
5
Net Unit Growth
→ -
Year over year
Cash-on-Cash Return
0.4%
Annual estimated return
Payback Period
237.1 yrs
Break-even timeline
SBA Default Rate
50.0%
vs ~7.2% industry avg
Median Revenue
$15K
Item 19 disclosed
Red Flags Assessment
HIGH: SBA default rate 50% · LOW: Single-year corpus
HIGH ×1LOW ×1
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.

COTTAGE INN vs. Travel Average

MetricCOTTAGE INNTravel Avg
SBA Default Rate50.0%▼7.2%
Cash-on-Cash Return0.4%▼15.5%
Total Investment$358K$250K

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

SBA Loan Performance

Real lending data from SBA 7(a) loans (2017-2023). 7 loans across 2 states.

Default Rate
50.0%
High Risk
Total SBA Loans
7
2 states
Total Loan Volume
$2.0M
SBA 7(a) approved
Avg Loan Size
$282K
Per franchisee
Loan Status Breakdown
1
Paid in Full (14%)
5
Currently Active
1
Charged Off (14.1% by $)
$278K
Total Charged Off ($)
● 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

COTTAGE INN vs Signature InnCOTTAGE INN vs WOODSPRING SUITESCOTTAGE INN vs SureStay

Similar Franchises · Travel

Signature Inn
Limited Data
$256K–$6.6M
WOODSPRING SUITES
Limited Data
$8.2M–$13.3M
SureStay
Limited Data
$168K–$13.7M
Signature Inn
$256K – $6.6M
WOODSPRING SUITES
$8.2M – $13.3M
SureStay
$168K – $13.7M
Red Lion Hotels Franchising, Inc.
$646K – $8.7M

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Founded 2017 - May 2024 · General
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Questions to Ask Before You Sign

5 data-driven questions every COTTAGE INN franchise buyer should ask.

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

Explore More

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