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

Uptown Cheapskate Franchise Cost and Profit

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

Based on 2025 FDD · 15 filings in corpus

FranchiseIQ Score
65
B
Moderate-Low Risk
Composite score from 3 risk dimensions. Click for breakdown ↓
Health Score
B
76/100
5/7 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 Uptown Cheapskate franchise cost and make?

Based on FDDIQ's FDD corpus, a Uptown Cheapskate franchise shows an estimated initial investment of $328K – $597K. Reported owner economics show $46K. 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
$328K – $597K
Total initial investment
Profit / Revenue
$46K
FDD Item 19 signal
Payback Signal
10.0 years
Modeled return metric
SBA Default Rate
7.3%
Loan repayment history
Compare franchise costs →Estimate franchise ROI →Check SBA default rates →Browse Retail franchises →Compare similar franchises →

Quick fee read: $25K franchise fee · 5.5% 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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Uptown Cheapskate Franchise Analysis

Uptown Cheapskate requires a total initial investment of $328K to $597K (midpoint approximately $462K), with an initial franchise fee of $25K. The ongoing fee burden is 5.5% . This is below the industry average of approximately 11.2%, leaving more margin for the operator.

According to Item 19 of the 2025 FDD, the median revenue for Uptown Cheapskate locations is $712K. The implied franchisee EBITDA is approximately $46K, based on the margin assumptions disclosed in the FDD. The estimated cash-on-cash return is 10.0% with a payback period of approximately 10.0 years.

Uptown Cheapskate operates approximately 25 franchised units. The SBA 7(a) loan default rate of 7.3% is in line with industry norms of approximately 8.1%.

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$328K – $597K
MinMid: $462KMax

Key Metrics

Franchise Fee
$25K
Royalty Rate
5%
Ad Fund Rate
-
Total Burden
5.5%
Royalty + ad fund
Units (2023)
25
Net Unit Growth
→ -
Year over year
Cash-on-Cash Return
10.0%
Annual estimated return
Payback Period
10.0 yrs
Break-even timeline
SBA Default Rate
7.3%
vs ~7.2% industry avg
Median Revenue
$712K
Item 19 disclosed
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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.

Uptown Cheapskate vs. Retail Average

MetricUptown CheapskateRetail Avg
SBA Default Rate7.3%▲8.1%
Cash-on-Cash Return10.0%▼11.2%
Total Investment$462K$290K

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

SBA Loan Performance

Real lending data from SBA 7(a) loans (2011-2026). 106 loans across 24 states.

Default Rate
7.3%
Moderate
Total SBA Loans
106
24 states
Total Loan Volume
$44.8M
SBA 7(a) approved
Avg Loan Size
$423K
Per franchisee
Loan Status Breakdown
32
Paid in Full (30%)
65
Currently Active
3
Charged Off (0.7% by $)
$329K
Total Charged Off ($)
● 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%.

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Questions to Ask Before You Sign

5 data-driven questions every Uptown Cheapskate franchise buyer should ask.

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