FDD-based startup cost, franchise fee, revenue, profit, SBA default rate, and investment risk signals for THE HUMAN BEAN using its latest 2026 FDD coverage.
Based on 2026 FDD · 28 filings in corpus · Latest FDD: 2026
Cost and profit at a glance
Based on FDDIQ's FDD corpus, a THE HUMAN BEAN franchise shows an estimated initial investment of $582K – $1.3M. Reported owner economics show $167K. 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: $35K franchise fee · 1% royalty/ad burden. These figures are directional screening data, not a substitute for reading the current FDD and speaking with existing operators.
THE HUMAN BEAN requires a total initial investment of $582K to $1.3M (midpoint approximately $940K), with an initial franchise fee of $35K. The ongoing fee burden is 1% . This is below the industry average of approximately 15.5%, leaving more margin for the operator.
According to Item 19 of the 2026 FDD, the median revenue for THE HUMAN BEAN locations is $833K. The implied franchisee EBITDA is approximately $167K, based on the margin assumptions disclosed in the FDD. The estimated cash-on-cash return is 17.7% with a payback period of approximately 5.6 years.
THE HUMAN BEAN operates approximately 22 franchised units. The SBA 7(a) loan default rate of 26.3% 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 2026 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 (2014-2025). 42 loans across 15 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 THE HUMAN BEAN, answered from FDD and SBA data.
The total initial investment for a THE HUMAN BEAN franchise ranges from $582K to $1.3M, according to their Franchise Disclosure Document.
Royalty fee details for THE HUMAN BEAN are available in their FDD. Contact the franchisor for current terms.
The initial franchise fee for THE HUMAN BEAN is $35,000.
There are approximately 22 THE HUMAN BEAN franchise locations as of 2023.
The median revenue for a THE HUMAN BEAN franchise is $833K, with a cash-on-cash return of 17.7%, according to FDD Item 19 data.
THE HUMAN BEAN has an SBA loan default rate of 26.3% based on SBA 7(a) loan data.
Whether a THE HUMAN BEAN 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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