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

ESTRELLA INSURANCE

Based on 2025 FDD · 13 filings in corpus

FranchiseIQ Score
80
A
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$50K – $84K
MinMid: $67KMax

Key Metrics

Franchise Fee
$25K
Royalty Rate
10%
Ad Fund Rate
7%
Total Burden
17.0%
Royalty + ad fund
Units (2023)
16
-3 vs prior yr
Net Unit Growth
↓ -21.4%
Year over year
Cash-on-Cash Return
530.1%
Annual estimated return
Payback Period
0.2 yrs
Break-even timeline
SBA Default Rate
0.0%
vs ~7.2% industry avg
Median Revenue
$4.4M
Item 19 disclosed
Red Flags Assessment
MEDIUM: Royalty burden above 10% · MEDIUM: Significant unit decline
MED ×2
Premium Data

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

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

ESTRELLA INSURANCE vs. Financial Services Average

MetricESTRELLA INSURANCEFinancial Services Avg
SBA Default Rate0.0%▲7.2%
Cash-on-Cash Return530.1%▲15.5%
Total Investment$67K$250K

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

Compare

ESTRELLA INSURANCE vs Corporate ConnectionsESTRELLA INSURANCE vs TGS National Franchise, LLCESTRELLA INSURANCE vs North American Immigration Center

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Corporate Connections
Limited Data
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North American Immigration Center
Limited Data
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Corporate Connections
$39K – $152K
TGS National Franchise, LLC
$753K – $4.7M
North American Immigration Center
$34K – $63K
FocalPoint Coaching
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Questions to Ask Before You Sign

5 data-driven questions every ESTRELLA INSURANCE franchise buyer should ask.

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