Worth It?HistoryDatabaseCompareDistress SignalsFDD Changes
OtherRevenue OnlyItem 19: ✓ DisclosedQuality: 100/100

Charleys

Based on 2025 FDD · 3 filings in corpus

FranchiseIQ Score
69
B
Moderate-Low Risk
Composite score based on SBA default rate, unit growth, disclosure quality & investment efficiency.
Full analysis unlocks:
✓ Cash-on-Cash return
✓ Payback period
✓ SBA default rate
✓ Red flags assessment
✓ Comparable franchises
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Total Investment Range$204K – $985K
MinMid: $594KMax

Key Metrics

Franchise Fee
$25K
Royalty Rate
6%
Ad Fund Rate
1%
Total Burden
7.0%
Royalty + ad fund
Units (2023)
700
+52 vs prior yr
Net Unit Growth
↑ 8.5%
Year over year
Cash-on-Cash Return
17.8%
Annual estimated return
Payback Period
5.6 yrs
Break-even timeline
SBA Default Rate
~3–8%
Fewer than 50 loans on record
Median Revenue
$813K
Item 19 disclosed
Premium Data

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SBA default rate, Risk Score, CoC%, investment benchmarks, and unit growth for Charleys.

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Estimated using sector-average margins. Actual franchise economics vary by location, operator, and market conditions.

Charleys vs. Other Average

MetricCharleysOther Avg
SBA Default Rate—7.2%
Cash-on-Cash Return17.8%▲15.5%
Total Investment$594K$250K

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

Compare

Charleys vs PROSECharleys vs Goldeneye Corporate ServicesCharleys vs 1-800-Services, LLC

Similar Franchises · Other

PROSE
Limited Data
$329K–$570K
Goldeneye Corporate Services
Limited Data
$3K–$58K
1-800-Services, LLC
$75K–$242K
PROSE
$329K – $570K
Goldeneye Corporate Services
$3K – $58K
1-800-Services, LLC
$75K – $242K
Streamline Brands
$40K – $1.5M

Questions to Ask Before You Sign

5 data-driven questions every Charleys franchise buyer should ask.

  1. 1.What is Charleys's SBA default rate compared to its competitors?Learn more →
  2. 2.Does Charleys 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 Charleys →Validation call guide →

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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.