FDD-based startup cost, franchise fee, revenue, profit, SBA default rate, and investment risk signals for ESTRELLA INSURANCE.
Based on 2025 FDD · 6 filings in corpus
Cost and profit at a glance
Based on FDDIQ's FDD corpus, a ESTRELLA INSURANCE franchise shows an estimated initial investment of $10K – $531K. Reported owner economics show $18K. Use the links below to compare the cost, revenue, SBA loan history, and ROI against other franchises before you request the full FDD.
Quick fee read: $25K franchise fee · 21% royalty/ad burden. These figures are directional screening data, not a substitute for reading the current FDD and speaking with existing operators.
ESTRELLA INSURANCE requires a total initial investment of $10K to $531K (midpoint approximately $271K), with an initial franchise fee of $25K. The ongoing fee burden is 21% (14% royalty plus 7% advertising fund). 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 ESTRELLA INSURANCE locations is $448K. The implied franchisee EBITDA is approximately $18K, based on the margin assumptions disclosed in the FDD. The estimated cash-on-cash return is 6.6% with a payback period of approximately 15.1 years.
ESTRELLA INSURANCE operates approximately 15 franchised units. 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
Estimated using sector-average margins. Actual franchise economics vary by location, operator, and market conditions.
Industry averages based on FranchiseIQ corpus benchmarks. ▲ = better than avg, ▼ = worse.
Real lending data from SBA 7(a) loans (2016-2025). 10 loans across 1 states.
Source: SBA 7(a) loan data via FOIA. Default rate = charged-off loans / total originated. Industry avg default rate ~7.2%.
Common questions buyers ask about ESTRELLA INSURANCE, answered from FDD and SBA data.
The total initial investment for a ESTRELLA INSURANCE franchise ranges from $10K to $531K, according to their Franchise Disclosure Document.
ESTRELLA INSURANCE charges a 14% royalty fee on gross sales.
The initial franchise fee for ESTRELLA INSURANCE is $25,000.
There are approximately 15 ESTRELLA INSURANCE franchise locations as of 2023.
The median revenue for a ESTRELLA INSURANCE franchise is $448K, with a cash-on-cash return of 6.6%, according to FDD Item 19 data.
ESTRELLA INSURANCE has an SBA loan default rate of 0.0% based on SBA 7(a) loan data.
Whether a ESTRELLA INSURANCE franchise is worth it depends on total startup cost, royalty burden, FDD Item 19 economics, SBA loan performance, and local operator execution. FDDIQ compares these signals against similar franchises so buyers can screen the opportunity before paying for diligence.
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