24 Seven Vending vs H.u.m.a.n.
24 Seven Vending vs H.u.m.a.n.: 24 Seven Vending costs $15K to $232K to open; H.u.m.a.n. costs $33K to $135K. 24 Seven Vending has 18 units, H.u.m.a.n. has 12. SBA loan history: 24 Seven Vending = 39 loans (56.4% default); H.u.m.a.n. = 14 loans (0.0% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
24 Seven Vending vs H.u.m.a.n.: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
24 Seven Vending requires the lower minimum capital commitment ($15K vs $33K for H.u.m.a.n.), a 54% spread. Initial franchise fees come in at $15K for 24 Seven Vending versus $49K for H.u.m.a.n., 24 Seven Vending has the lower entry fee. Ongoing royalty load is 10% for 24 Seven Vending and 5% for H.u.m.a.n., giving H.u.m.a.n. the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, 24 Seven Vending operates 18 units to H.u.m.a.n.'s 12. 24 Seven Vending has been operating 29 years (founded 1997) versus 18 for H.u.m.a.n. (founded 2008), a 11-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
24 Seven Vending has the deeper SBA lending track record, with 39 7(a) approvals compared with 14 for H.u.m.a.n.. 24 Seven Vending's peak SBA year was 2007 (17 loans); H.u.m.a.n.'s peak was 2015 (5 loans). H.u.m.a.n.'s more recent peak generally indicates fresher lender appetite. Both systems have the most SBA funded units in TX. Borrowers in that state will find the deepest lender familiarity with either brand. Average SBA loan size on funded 24 Seven Vending deals is $154K vs $76K for H.u.m.a.n., useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 56.4% for 24 Seven Vending and 0.0% for H.u.m.a.n., H.u.m.a.n. has the cleaner SBA loss record by 56.4 points. PeerSense FPI scores come in at 21 (Fair) for 24 Seven Vending and 42 (Fair) for H.u.m.a.n., giving H.u.m.a.n. the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 21/100 | 42/100 |
Health Tier | Limited | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 39 | 14 |
SBA Volume | – | – |
Default Rate | 56.4% | 0.0% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $15K to $232K | $33K to $135K |
Franchise Fee | $15K | $49K |
Royalty Rate | 10% | 5% |
Ad Fund | N/A | 1% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 18 | 12 |
Franchised Units | 18 | 12 |
Company Owned | – | – |
Term Length | 6 yrs | N/A |
Brand Information
Year Founded | 1997 | 2008 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | DALLAS, TX | AUSTIN, TX |
Category | Vending Machine Operators | Vending Machine Operators |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, 24 Seven Vending or H.u.m.a.n.?
Lower upfront capital required
Tie
24 Seven Vending: $15K starting · H.u.m.a.n.: $33K starting
More SBA lender confidence
24 Seven Vending
24 Seven Vending: 39 SBA loans · H.u.m.a.n.: 14 SBA loans
Lower SBA default rate
H.u.m.a.n.
24 Seven Vending: 56.4% · H.u.m.a.n.: 0.0%
Larger system & brand presence
Tie
24 Seven Vending: 18 units · H.u.m.a.n.: 12 units
Lower ongoing royalty load
H.u.m.a.n.
24 Seven Vending: 10% · H.u.m.a.n.: 5%
More lender financing options
24 Seven Vending
24 Seven Vending: 10 unique lenders · H.u.m.a.n.: 9 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
Need Funding for 24 Seven Vending or H.u.m.a.n.?
PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.
SBA Lenders & Capital Sources
Retainers or Consulting Fees
10% Down Franchise Loans
About These Franchises
24 Seven Vending vs H.u.m.a.n.: Franchise Funding Comparison
Comparing 24 Seven Vending and H.u.m.a.n. is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $15K to $232K.
24 Seven Vending has 39 SBA loans on record and H.u.m.a.n. has 14. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
24 Seven Vending vs H.u.m.a.n., Frequently Asked Questions
Which is a better franchise investment, 24 Seven Vending or H.u.m.a.n.?
How much does a 24 Seven Vending franchise cost compared to H.u.m.a.n.?
Can I finance 24 Seven Vending or H.u.m.a.n. with an SBA loan?
Which has a lower SBA default rate, 24 Seven Vending or H.u.m.a.n.?
Talk to PeerSense
Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.
Franchise / SBA 7(a): The desk will reach out. No obligation.
Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman