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

Toppers Pizza Franchise Cost and Profit

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

Based on 2025 FDD · 6 filings in corpus

FranchiseIQ Score
69
B
Moderate-Low Risk
Composite score from 3 risk dimensions. Click for breakdown ↓
Health Score
A
85/100
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 Toppers Pizza franchise cost and make?

Based on FDDIQ's FDD corpus, a Toppers Pizza franchise shows an estimated initial investment of $510K – $690K. Reported owner economics show $44K. 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
$510K – $690K
Total initial investment
Profit / Revenue
$44K
FDD Item 19 signal
Payback Signal
13.8 years
Modeled return metric
SBA Default Rate
0.0%
Loan repayment history
Compare franchise costs →Estimate franchise ROI →Check SBA default rates →Browse QSR franchises →Compare similar franchises →

Quick fee read: $30K franchise fee · 8.5% royalty/ad burden. These figures are directional screening data, not a substitute for reading the current FDD and speaking with existing operators.

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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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Toppers Pizza Franchise Analysis

Toppers Pizza requires a total initial investment of $510K to $690K (midpoint approximately $600K), with an initial franchise fee of $30K. The ongoing fee burden is 8.5% (5.5% royalty plus 3% advertising fund). This is below the industry average of approximately 14.2%, leaving more margin for the operator.

According to Item 19 of the 2025 FDD, the median revenue for Toppers Pizza locations is $968K. The implied franchisee EBITDA is approximately $44K, based on the margin assumptions disclosed in the FDD. The estimated cash-on-cash return is 7.3% with a payback period of approximately 13.8 years.

Toppers Pizza operates approximately 44 franchised units. The SBA 7(a) loan default rate of 0.0% is well below the industry average of approximately 9.4%, indicating strong franchisee financial outcomes.

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 2025 FDD filing. FDDIQ Editorial Team · Methodology

Total Investment Range$510K – $690K
MinMid: $600KMax

Key Metrics

Franchise Fee
$30K
Royalty Rate
5.5%
Ad Fund Rate
3%
Total Burden
8.5%
Royalty + ad fund
Units (2023)
44
Net Unit Growth
→ -
Year over year
Cash-on-Cash Return
7.3%
Annual estimated return
Payback Period
13.8 yrs
Break-even timeline
SBA Default Rate
0.0%
vs ~7.2% industry avg
Median Revenue
$968K
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.

Toppers Pizza vs. QSR Average

MetricToppers PizzaQSR Avg
SBA Default Rate0.0%▲9.4%
Cash-on-Cash Return7.3%▼14.2%
Total Investment$600K$380K

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

SBA Loan Performance

Real lending data from SBA 7(a) loans (2010-2025). 73 loans across 9 states.

Default Rate
0.0%
Low Risk
Total SBA Loans
73
9 states
Total Loan Volume
$31.7M
SBA 7(a) approved
Avg Loan Size
$434K
Per franchisee
Loan Status Breakdown
52
Paid in Full (71%)
16
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

Toppers Pizza vs Chick-fil-A, Inc.Toppers Pizza vs McDonald'sToppers Pizza vs Get Fried

Similar Franchises · QSR

Chick-fil-A, Inc.
Revenue Only
$427K–$2.3M
McDonald's
Revenue Only
$1.5M–$2.7M
Get Fried
Revenue Only
$102K–$505K
Chick-fil-A, Inc.
$427K – $2.3M
McDonald's
$1.5M – $2.7M
Get Fried
$102K – $505K
MAGNOLIA BAKERY
$422K – $1.2M

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Questions to Ask Before You Sign

5 data-driven questions every Toppers Pizza franchise buyer should ask.

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