Worth It?HistoryDatabaseCompareDistress SignalsFDD Changes
Financial ServicesLimited DataItem 19: ✓ DisclosedQuality: 100/100

Expense Reduction Analysts, Inc.

Based on 2025 FDD · 12 filings in corpus

FranchiseIQ Score
41
D
High 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$76K – $106K
MinMid: $91KMax

Key Metrics

Franchise Fee
$70K
Royalty Rate
15%
Ad Fund Rate
3%
Total Burden
18.0%
Royalty + ad fund
Units (2023)
144
-9 vs prior yr
Net Unit Growth
↓ -6.6%
Year over year
Cash-on-Cash Return
16.9%
Annual estimated return
Payback Period
5.9 yrs
Break-even timeline
SBA Default Rate
100.0%
vs ~7.2% industry avg
Median Revenue
$219K
Item 19 disclosed
Red Flags Assessment
MEDIUM: Royalty burden above 10% · HIGH: SBA default rate 100% · MEDIUM: Significant unit decline
HIGH ×1MED ×2
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SBA default rate, Risk Score, CoC%, investment benchmarks, and unit growth for Expense Reduction Analysts, Inc..

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

Expense Reduction Analysts, Inc. vs. Financial Services Average

MetricExpense Reduction Analysts, Inc.Financial Services Avg
SBA Default Rate100.0%▼7.2%
Cash-on-Cash Return16.9%▲15.5%
Total Investment$91K$250K

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

Compare

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Questions to Ask Before You Sign

5 data-driven questions every Expense Reduction Analysts, Inc. franchise buyer should ask.

  1. 1.What is Expense Reduction Analysts, Inc.'s SBA default rate compared to its competitors?Learn more →
  2. 2.Does Expense Reduction Analysts, Inc. 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 Expense Reduction Analysts, Inc. →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.