What are Top Rail franchise royalty fees?

Top Rail charges a 6% royalty fee on gross sales.

What is the Top Rail franchise fee?

The initial franchise fee for Top Rail is $59,900.

How many Top Rail franchise locations are there?

There are approximately 93 Top Rail franchise locations as of 2023.

How much profit does a Top Rail franchise make?

The median revenue for a Top Rail franchise is $1.7M, with a cash-on-cash return of 99.1%, according to FDD Item 19 data.

What is the SBA loan default rate for Top Rail?

SBA loan default rate data for Top Rail is not currently available in the SBA database.

Is a Top Rail franchise worth it?

Whether a Top Rail 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.

Scorecard Worth It?History Database Compare Distress Signals

OtherItem 19: ✓ DisclosedHigh Confidence · 100/100FDD data: 2025 · Fresh

Top Rail Franchise Cost and Profit

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

Based on 2025 FDD · 3 filings in corpus

FranchiseIQ Score

Low Risk

Composite score from 3 risk dimensions. Click for breakdown ↓

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 Top Rail franchise cost and make?

Based on FDDIQ's FDD corpus, a Top Rail franchise shows an estimated initial investment of $161K – $297K. Reported owner economics show $227K. 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

$161K – $297K

Total initial investment

Profit / Revenue

$227K

FDD Item 19 signal

Payback Signal

1.0 years

Modeled return metric

SBA Default Rate

No matched SBA history

Loan repayment history

Compare franchise costs →Estimate franchise ROI →Check SBA default rates →Browse Other franchises →Compare similar franchises →

Quick fee read: $60K franchise fee · 7% 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 Top Rail, 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$161K – $297K

MinMid: $229KMax

Key Metrics

Franchise Fee

$60K

Royalty Rate

Ad Fund Rate

Total Burden

7.0%

Royalty + ad fund

Units (2023)

+74 vs prior yr

Net Unit Growth

↑ 352.4%

Year over year

Cash-on-Cash Return

99.1%

Annual estimated return

Payback Period

1.0 yrs

Break-even timeline

SBA Default Rate

~3–8%

Fewer than 50 loans on record

Median Revenue

$1.7M

Item 19 disclosed

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.

Top Rail vs. Other Average

MetricTop RailOther Avg

SBA Default Rate - 7.2%

Cash-on-Cash Return99.1%▲15.5%

Total Investment$229K$250K

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

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Questions to Ask Before You Sign

5 data-driven questions every Top Rail franchise buyer should ask.

Generate attorney questions for Top Rail →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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