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AutomotiveRevenue OnlyItem 19: ✓ DisclosedHigh Confidence · 90/100

Maaco Franchise Cost and Profit

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

Based on 2025 FDD · 8 filings in corpus

FranchiseIQ Score
54
C
Moderate Risk
Composite score from 3 risk dimensions. Click for breakdown ↓
Health Score
D
50/100
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 Maaco franchise cost and make?

Based on FDDIQ's FDD corpus, a Maaco franchise shows an estimated initial investment of $196K – $4.0M. Reported owner economics show $94K. 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
$196K – $4.0M
Total initial investment
Profit / Revenue
$94K
FDD Item 19 signal
Payback Signal
22.2 years
Modeled return metric
SBA Default Rate
17.6%
Loan repayment history
Compare franchise costs →Estimate franchise ROI →Check SBA default rates →Browse Automotive franchises →Compare similar franchises →

Quick fee read: $45K franchise fee · 8% 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 Maaco, 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$196K – $4.0M
MinMid: $2.1MMax

Key Metrics

Franchise Fee
$45K
Royalty Rate
8%
Ad Fund Rate
-
Total Burden
8.0%
Royalty + ad fund
Units (2023)
376
-13 vs prior yr
Net Unit Growth
↓ -3.3%
Year over year
Net Closure Rate
3.3%
From FDD Item 20
Cash-on-Cash Return
4.5%
Annual estimated return
Payback Period
22.2 yrs
Break-even timeline
SBA Default Rate
17.6%
vs ~7.2% industry avg
Median Revenue
$1.3M
Item 19 disclosed
Red Flags Assessment
HIGH: SBA default rate 17.65%
HIGH ×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.

Maaco vs. Automotive Average

MetricMaacoAutomotive Avg
SBA Default Rate17.6%▼7.2%
Cash-on-Cash Return4.5%▼15.5%
Total Investment$2.1M$250K

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

SBA Loan Performance

Real lending data from SBA 7(a) loans (2014-2026). 86 loans across 29 states.

Default Rate
17.6%
High Risk
Total SBA Loans
86
29 states
Total Loan Volume
$57.6M
SBA 7(a) approved
Avg Loan Size
$669K
Per franchisee
Loan Status Breakdown
21
Paid in Full (24%)
52
Currently Active
6
Charged Off (3.9% by $)
$2.3M
Total Charged Off ($)
● 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

Maaco vs NovusMaaco vs Tommy's ExpressMaaco vs American Tire Depot

Similar Franchises · Automotive

Novus
Revenue Only
$70K–$285K
Tommy's Express
Revenue Only
$5.0M–$8.5M
American Tire Depot
Limited Data
$335K–$549K
Novus
$70K – $285K
Tommy's Express
$5.0M – $8.5M
American Tire Depot
$335K – $549K
U-Save Car and Truck Rental
$66K – $679K

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Questions to Ask Before You Sign

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

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