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TechnologyLimited DataItem 19: ✓ DisclosedHigh Confidence · 85/100FDD data: 2024 · Aging

OUR TOWN AMERICA Franchise Cost and Profit

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

Based on 2024 FDD · 26 filings in corpus

FranchiseIQ Score
56
C
Moderate Risk
Composite score from 3 risk dimensions. Click for breakdown ↓
Health Score
D
43/100
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 OUR TOWN AMERICA franchise cost and make?

Based on FDDIQ's FDD corpus, a OUR TOWN AMERICA franchise shows an estimated initial investment of $122K – $199K. The franchisor does not provide enough Item 19 data for a clean profit estimate. 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
$122K – $199K
Total initial investment
Profit / Revenue
Item 19 not disclosed
FDD Item 19 signal
Payback Signal
Estimate unavailable
Modeled return metric
SBA Default Rate
25.0%
Loan repayment history
Compare franchise costs →Estimate franchise ROI →Check SBA default rates →Browse Technology franchises →Compare similar franchises →

Quick fee read: $100K franchise fee · 6% 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 OUR TOWN AMERICA, 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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OUR TOWN AMERICA Franchise Analysis

OUR TOWN AMERICA requires a total initial investment of $122K to $199K (midpoint approximately $161K), with an initial franchise fee of $100K. The ongoing fee burden is 6% (5% royalty plus 1% advertising fund). This is below the industry average of approximately 15.5%, leaving more margin for the operator.

OUR TOWN AMERICA does not publicly disclose Item 19 financial performance data in their FDD. This is a significant transparency gap — franchisees must rely on validation calls and personal research rather than audited financial representations. Prospective buyers should demand current unit-level financials from existing operators during due diligence.

OUR TOWN AMERICA operates approximately 6 franchised units. The SBA 7(a) loan default rate of 25.0% is above the franchise industry average of approximately 7.2%, suggesting elevated financial risk for franchisees relying on debt financing.

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 2024 FDD filing. FDDIQ Editorial Team · Methodology

Total Investment Range$122K – $199K
MinMid: $161KMax

Key Metrics

Franchise Fee
$100K
Royalty Rate
5%
Ad Fund Rate
1%
Total Burden
6.0%
Royalty + ad fund
Units (2023)
6
Net Unit Growth
→ -
Year over year
Cash-on-Cash Return
~8–15%
Annual estimated return
Payback Period
~5–12 yrs
Break-even timeline
SBA Default Rate
25.0%
vs ~7.2% industry avg
Median Revenue
~$800K–$2M
Item 19 disclosed
Red Flags Assessment
HIGH: SBA default rate 25%
HIGH ×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.

OUR TOWN AMERICA vs. Technology Average

MetricOUR TOWN AMERICATechnology Avg
SBA Default Rate25.0%▼7.2%
Cash-on-Cash Return - 15.5%
Total Investment$161K$250K

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

SBA Loan Performance

Real lending data from SBA 7(a) loans (2015-2022). 4 loans across 4 states.

Default Rate
25.0%
High Risk
Total SBA Loans
4
4 states
Total Loan Volume
$928K
SBA 7(a) approved
Avg Loan Size
$232K
Per franchisee
Loan Status Breakdown
3
Paid in Full (75%)
0
Currently Active
1
Charged Off (8.7% by $)
$81K
Total Charged Off ($)
● 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

OUR TOWN AMERICA vs Tender SoftwareOUR TOWN AMERICA vs techJOYnTOUR TOWN AMERICA vs Franchise Creator

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Tender Software
Limited Data
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techJOYnT
Limited Data
$156K–$223K
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$38K–$45K
Tender Software
$8K – $29K
techJOYnT
$156K – $223K
Franchise Creator
$38K – $45K
SONITROL SECURITY, INC.
$50K – $220K

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Questions to Ask Before You Sign

5 data-driven questions every OUR TOWN AMERICA franchise buyer should ask.

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