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AutomotiveNo Item 19Item 19: ✓ DisclosedQuality: 78/100

SPIFFY

Based on 2022 FDD · 2 filings in corpus

FranchiseIQ Score
87
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$102K – $181K
MinMid: $141KMax

Key Metrics

Franchise Fee
$40K
Royalty Rate
7%
Ad Fund Rate
2%
Total Burden
9.0%
Royalty + ad fund
Units (2023)
—
Net Unit Growth
→ —
Year over year
Cash-on-Cash Return
35.8%
Annual estimated return
Payback Period
2.8 yrs
Break-even timeline
SBA Default Rate
0.0%
vs ~7.2% industry avg
Median Revenue
$844K
Item 19 disclosed
Premium Data

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

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

SPIFFY vs. Automotive Average

MetricSPIFFYAutomotive Avg
SBA Default Rate0.0%▲7.2%
Cash-on-Cash Return35.8%▲15.5%
Total Investment$141K$250K

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

Compare

SPIFFY vs NovusSPIFFY vs Tommy's ExpressSPIFFY vs American Tire Depot

Similar Franchises · Automotive

Novus
Revenue Only
$70K–$285K
Tommy's Express
Revenue Only
$5.0M–$8.5M
American Tire Depot
Limited Data
$335K–$549K
Novus
$70K – $285K
Tommy's Express
$5.0M – $8.5M
American Tire Depot
$335K – $549K
U-Save Car and Truck Rental
$66K – $679K

Questions to Ask Before You Sign

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

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