American Speedy Printing vs Moto Photo
American Speedy Printing vs Moto Photo: American Speedy Printing costs $59K–$330K to open; Moto Photo costs $66K–$250K. American Speedy Printing has 21 units, Moto Photo has 25. SBA loan history: American Speedy Printing = 24 loans (12.5% default); Moto Photo = 34 loans (29.4% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
American Speedy Printing vs Moto Photo: Capital, Scale & Lending Analysis
Data-driven differentiation pulled from 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
American Speedy Printing requires the lower minimum capital commitment ($59K vs $66K for Moto Photo), a 11% spread. Initial franchise fees come in at $62K for American Speedy Printing versus $69K for Moto Photo, American Speedy Printing has the lower entry fee.
System Scale & Tenure
On scale, Moto Photo operates 25 units to American Speedy Printing's 21. American Speedy Printing has been operating 50 years (founded 1976) versus 43 for Moto Photo (founded 1983), a 7-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Moto Photo has the deeper SBA lending track record with 34 historical 7(a) approvals versus 24 for American Speedy Printing. American Speedy Printing's peak SBA year was 2001 (6 loans); Moto Photo's peak was 1997 (6 loans). American Speedy Printing's more recent peak generally indicates fresher lender appetite. Geographically, American Speedy Printing concentrates in FL (6 SBA-funded units) while Moto Photo leads in NJ (5). Pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded American Speedy Printing deals is $168K vs $146K for Moto Photo, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 12.5% for American Speedy Printing and 29.4% for Moto Photo, American Speedy Printing has the cleaner historical loss profile by 16.9 points. PeerSense FPI scores come in at 35 (Fair) for American Speedy Printing and 25 (Fair) for Moto Photo, giving American Speedy Printing the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 35/100 | 25/100 |
Health Tier | Fair | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 24 | 34 |
SBA Volume | – | – |
Default Rate | 12.5% | 29.4% |
Peer Tier | growing | established |
Investment & Costs
Total Investment | $59K – $330K | $66K – $250K |
Franchise Fee | $62K | $69K |
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 | 21 | 25 |
Franchised Units | 21 | 25 |
Company-Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 1976 | 1983 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | BOCA RATON, FL | CHERRY HILL, NJ |
Category | Other Business Service Centers | Other Business Service Centers |
Website | ||
FDD Year | 2025 | N/A |
Which Is Better, American Speedy Printing or Moto Photo?
Lower upfront capital required
American Speedy Printing
American Speedy Printing: $59K starting · Moto Photo: $66K starting
More SBA lender confidence
Moto Photo
American Speedy Printing: 24 SBA loans · Moto Photo: 34 SBA loans
Lower historical default rate
American Speedy Printing
American Speedy Printing: 12.5% · Moto Photo: 29.4%
Larger system & brand presence
Moto Photo
American Speedy Printing: 21 units · Moto Photo: 25 units
More lender financing options
Moto Photo
American Speedy Printing: 18 unique lenders · Moto Photo: 19 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
American Speedy Printing vs Moto Photo: Franchise Funding Comparison
Comparing American Speedy Printing and Moto Photo is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $59K to $330K.
Both brands have active SBA lending histories, American Speedy Printing with 24 SBA loans and Moto Photo with 34. This means proven lender acceptance and established underwriting paths for franchise buyers.
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.
American Speedy Printing vs Moto Photo, Frequently Asked Questions
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