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Real EstateLimited DataItem 19: ✓ DisclosedQuality: 85/100

Rent-A-Center

Based on 2025 FDD · 5 filings in corpus

FranchiseIQ Score
47
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$350K – $701K
MinMid: $525KMax

Key Metrics

Franchise Fee
$35K
Royalty Rate
5.5%
Ad Fund Rate
3%
Total Burden
8.5%
Royalty + ad fund
Units (2023)
384
+28 vs prior yr
Net Unit Growth
↑ 7.2%
Year over year
Cash-on-Cash Return
~8–15%
Annual estimated return
Payback Period
~5–12 yrs
Break-even timeline
SBA Default Rate
22.2%
vs ~7.2% industry avg
Median Revenue
~$800K–$2M
Item 19 disclosed
Red Flags Assessment
HIGH: SBA default rate 22.22%
HIGH ×1
Premium Data

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SBA default rate, Risk Score, CoC%, investment benchmarks, and unit growth for Rent-A-Center.

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

Rent-A-Center vs. Real Estate Average

MetricRent-A-CenterReal Estate Avg
SBA Default Rate22.2%▼1.8%
Cash-on-Cash Return—28.4%
Total Investment$525K$75K

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

Compare

Rent-A-Center vs Sunbelt Business BrokersRent-A-Center vs HommatiRent-A-Center vs Windermere Real Estate

Similar Franchises · Real Estate

Sunbelt Business Brokers
Limited Data
$61K–$115K
Hommati
No Item 19
$99K–$834K
Windermere Real Estate
Limited Data
$271K–$1.2M
Sunbelt Business Brokers
$61K – $115K
Hommati
$99K – $834K
Windermere Real Estate
$271K – $1.2M
Harcourts
$151K – $360K

Questions to Ask Before You Sign

5 data-driven questions every Rent-A-Center franchise buyer should ask.

  1. 1.What is Rent-A-Center's SBA default rate compared to its competitors?Learn more →
  2. 2.Does Rent-A-Center 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 Rent-A-Center →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.