Apple Spicetm vs Filtafry
Apple Spicetm vs Filtafry: Apple Spicetm costs $80K–$478K to open; Filtafry costs $25K–$145K. Apple Spicetm has 19 units, Filtafry has 21. SBA loan history: Apple Spicetm = 27 loans (7.4% default); Filtafry = 26 loans (15.4% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
Apple Spicetm vs Filtafry: 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
Filtafry requires the lower minimum capital commitment ($25K vs $80K for Apple Spicetm), a 220% spread. Initial franchise fees come in at $83K for Apple Spicetm versus $35K for Filtafry, Filtafry has the lower entry fee.
System Scale & Tenure
On scale, Filtafry operates 21 units to Apple Spicetm's 19. Filtafry has been operating 30 years (founded 1996) versus 9 for Apple Spicetm (founded 2017), a 21-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Apple Spicetm has the deeper SBA lending track record with 27 historical 7(a) approvals versus 26 for Filtafry. Apple Spicetm's peak SBA year was 2019 (11 loans); Filtafry's peak was 2005 (7 loans). Apple Spicetm's more recent peak generally indicates fresher lender appetite. Geographically, Apple Spicetm concentrates in CA (5 SBA-funded units) while Filtafry leads in WI (3). Pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded Apple Spicetm deals is $316K vs $77K for Filtafry, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 7.4% for Apple Spicetm and 15.4% for Filtafry, Apple Spicetm has the cleaner historical loss profile by 8.0 points. PeerSense FPI scores come in at 52 (Moderate) for Apple Spicetm and 29 (Fair) for Filtafry, giving Apple Spicetm the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 52/100 | 29/100 |
Health Tier | Moderate | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 27 | 26 |
SBA Volume | – | – |
Default Rate | 7.4% | 15.4% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $80K – $478K | $25K – $145K |
Franchise Fee | $83K | $35K |
Royalty Rate | N/A | 6.5% |
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 | 19 | 21 |
Franchised Units | 19 | 21 |
Company-Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 2017 | 1996 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | LAKE FOREST, CA | JACKSONVILLE, FL |
Category | Food Service Contractors | Food Service Contractors |
Website | ||
FDD Year | 2023 | 2023 |
Which Is Better, Apple Spicetm or Filtafry?
Lower upfront capital required
Filtafry
Apple Spicetm: $80K starting · Filtafry: $25K starting
More SBA lender confidence
Apple Spicetm
Apple Spicetm: 27 SBA loans · Filtafry: 26 SBA loans
Lower historical default rate
Apple Spicetm
Apple Spicetm: 7.4% · Filtafry: 15.4%
Larger system & brand presence
Filtafry
Apple Spicetm: 19 units · Filtafry: 21 units
More lender financing options
Filtafry
Apple Spicetm: 11 unique lenders · Filtafry: 21 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
Apple Spicetm vs Filtafry: Franchise Funding Comparison
Comparing Apple Spicetm and Filtafry is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $25K to $478K.
Both brands have active SBA lending histories, Apple Spicetm with 27 SBA loans and Filtafry with 26. 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.
Apple Spicetm vs Filtafry, Frequently Asked Questions
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