Allstate Insurance vs Quantum Assurance Internationa
Allstate Insurance vs Quantum Assurance Internationa: Allstate Insurance costs $50K to $100K to open; Quantum Assurance Internationa costs $31K to $361K. Allstate Insurance has 239 units, Quantum Assurance Internationa has 11. SBA loan history: Allstate Insurance = 157 loans (2.5% default); Quantum Assurance Internationa = 18 loans (22.2% 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.
Allstate Insurance vs Quantum Assurance Internationa: 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
Quantum Assurance Internationa requires the lower minimum capital commitment ($31K vs $50K for Allstate Insurance), a 61% spread.
System Scale & Tenure
On scale, Allstate Insurance operates 239 units to Quantum Assurance Internationa's 11, roughly 22× the system size. Allstate Insurance has been operating 95 years (founded 1931) versus 7 for Quantum Assurance Internationa (founded 2019), a 88-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Allstate Insurance has the deeper SBA lending track record, with 157 7(a) approvals compared with 18 for Quantum Assurance Internationa. Allstate Insurance's peak SBA year was 2015 (67 loans); Quantum Assurance Internationa's peak was 2021 (10 loans). Quantum Assurance Internationa's more recent peak generally indicates fresher lender appetite. Allstate Insurance has the most SBA funded units in OH, with 21. Quantum Assurance Internationa leads in IN, with 4. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Allstate Insurance deals is $348K vs $249K for Quantum Assurance Internationa, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 2.5% for Allstate Insurance and 22.2% for Quantum Assurance Internationa, Allstate Insurance has the cleaner SBA loss record by 19.7 points. PeerSense FPI scores come in at 51 (Moderate) for Allstate Insurance and 29 (Fair) for Quantum Assurance Internationa, giving Allstate Insurance the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 51/100 | 29/100 |
Health Tier | Moderate | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 157 | 18 |
SBA Volume | – | – |
Default Rate | 2.5% | 22.2% |
Peer Tier | major | growing |
Investment & Costs
Total Investment | $50K to $100K | $31K to $361K |
Franchise Fee | N/A | N/A |
Royalty Rate | N/A | N/A |
Ad Fund | N/A | N/A |
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 | 239 | 11 |
Franchised Units | 239 | 11 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1931 | 2019 |
Franchising Since | 1957 | N/A |
Years Franchising | 69 yrs | N/A |
Headquarters | Northbrook, IL | FRANKFORT, IN |
Category | Insurance Agencies | Insurance Agencies |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Allstate Insurance or Quantum Assurance Internationa?
Lower upfront capital required
Tie
Allstate Insurance: $50K starting · Quantum Assurance Internationa: $31K starting
More SBA lender confidence
Allstate Insurance
Allstate Insurance: 157 SBA loans · Quantum Assurance Internationa: 18 SBA loans
Lower SBA default rate
Allstate Insurance
Allstate Insurance: 2.5% · Quantum Assurance Internationa: 22.2%
Larger system & brand presence
Tie
Allstate Insurance: 239 units · Quantum Assurance Internationa: 11 units
More lender financing options
Allstate Insurance
Allstate Insurance: 50 unique lenders · Quantum Assurance Internationa: 4 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.
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About These Franchises
Allstate Insurance vs Quantum Assurance Internationa: Franchise Funding Comparison
Comparing Allstate Insurance and Quantum Assurance Internationa is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $31K to $361K.
Allstate Insurance has 157 SBA loans on record and Quantum Assurance Internationa has 18. 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.
Allstate Insurance vs Quantum Assurance Internationa, Frequently Asked Questions
Which is a better franchise investment, Allstate Insurance or Quantum Assurance Internationa?
How much does a Allstate Insurance franchise cost compared to Quantum Assurance Internationa?
Can I finance Allstate Insurance or Quantum Assurance Internationa with an SBA loan?
Which has a lower SBA default rate, Allstate Insurance or Quantum Assurance Internationa?
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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