ScorecardWorth It?HistoryDatabaseCompareDistress Signals
RetailItem 19: ✓ DisclosedMedium Confidence · 73/100

FLOWERS BAKING CO. OF OXFORD, INC. Franchise Cost and Profit

FDD-based startup cost, franchise fee, revenue, profit, SBA default rate, and investment risk signals for FLOWERS BAKING CO. OF OXFORD, INC..

Based on 2025 FDD · 2 filings in corpus

FranchiseIQ Score
70
B
Moderate-Low Risk
Composite score from 3 risk dimensions. Click for breakdown ↓
Health Score
C
59/100
4/7 metrics · Medium 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 FLOWERS BAKING CO. OF OXFORD, INC. franchise cost and make?

Based on FDDIQ's FDD corpus, a FLOWERS BAKING CO. OF OXFORD, INC. franchise shows an estimated initial investment of $58K – $286K. 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
$58K – $286K
Total initial investment
Profit / Revenue
$2K
FDD Item 19 signal
Payback Signal
95.2 years
Modeled return metric
SBA Default Rate
0.0%
Loan repayment history
Compare franchise costs →Estimate franchise ROI →Check SBA default rates →Browse Retail franchises →Compare similar franchises →

Quick fee read: $50K franchise fee. 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 FLOWERS BAKING CO. OF OXFORD, INC., 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$58K – $286K
MinMid: $172KMax

Key Metrics

Franchise Fee
$50K
Royalty Rate
-
Ad Fund Rate
-
Total Burden
-
Royalty + ad fund
Units (2023)
249
+2 vs prior yr
Net Unit Growth
→ 0.8%
Year over year
Cash-on-Cash Return
1.1%
Annual estimated return
Payback Period
95.2 yrs
Break-even timeline
SBA Default Rate
0.0%
vs ~7.2% industry avg
Median Revenue
$15K
Item 19 disclosed
Premium Data

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Get cash-on-cash return, payback period, SBA default rate, and red flag details for FLOWERS BAKING CO. OF OXFORD, INC..

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.

FLOWERS BAKING CO. OF OXFORD, INC. vs. Retail Average

MetricFLOWERS BAKING CO. OF OXFORD, INC.Retail Avg
SBA Default Rate0.0%▲8.1%
Cash-on-Cash Return1.1%▼11.2%
Total Investment$172K$290K

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

SBA Loan Performance

Real lending data from SBA 7(a) loans (2022-2022). 1 loans across 1 states.

Default Rate
0.0%
Low Risk
Total SBA Loans
1
1 states
Total Loan Volume
$150K
SBA 7(a) approved
Avg Loan Size
$150K
Per franchisee
Loan Status Breakdown
0
Paid in Full (0%)
1
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

FLOWERS BAKING CO. OF OXFORD, INC. vs Winnie CoutureFLOWERS BAKING CO. OF OXFORD, INC. vs Paniq RoomFLOWERS BAKING CO. OF OXFORD, INC. vs DYSTOPIA RISING

Similar Franchises · Retail

Winnie Couture
Limited Data
$223K–$378K
Paniq Room
Limited Data
$350K–$3.0M
DYSTOPIA RISING
Limited Data
$4K–$10K
Winnie Couture
$223K – $378K
Paniq Room
$350K – $3.0M
DYSTOPIA RISING
$4K – $10K
Cell Phone Repair
$78K – $203K

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Questions to Ask Before You Sign

5 data-driven questions every FLOWERS BAKING CO. OF OXFORD, INC. franchise buyer should ask.

  1. 1.What is FLOWERS BAKING CO. OF OXFORD, INC.'s SBA default rate compared to its competitors?Learn more →
  2. 2.Does FLOWERS BAKING CO. OF OXFORD, INC. 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 FLOWERS BAKING CO. OF OXFORD, INC. →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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