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

SHINE

Based on 2025 FDD · 6 filings in corpus

FranchiseIQ Score
83
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$142K – $189K
MinMid: $165KMax

Key Metrics

Franchise Fee
$50K
Royalty Rate
7%
Ad Fund Rate
2%
Total Burden
9.0%
Royalty + ad fund
Units (2023)
6
+12 vs prior yr
Net Unit Growth
↑ 400.0%
Year over year
Cash-on-Cash Return
35.3%
Annual estimated return
Payback Period
2.8 yrs
Break-even timeline
SBA Default Rate
~3–8%
Fewer than 50 loans on record
Median Revenue
$531K
Item 19 disclosed
Premium Data

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

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

SHINE vs. Other Average

MetricSHINEOther Avg
SBA Default Rate—7.2%
Cash-on-Cash Return35.3%▲15.5%
Total Investment$165K$250K

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

Compare

SHINE vs PROSESHINE vs Goldeneye Corporate ServicesSHINE 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 SHINE franchise buyer should ask.

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