Arby's vs Atlanta Bread Company
Arby's vs Atlanta Bread Company: Arby's costs $645K–$2.5M to open; Atlanta Bread Company costs $199K–$672K. Arby's has 3,365 units, Atlanta Bread Company has 88. SBA loan history: Arby's = 330 loans (13.0% default); Atlanta Bread Company = 128 loans (35.9% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet — see the comparison below.
Health & Performance
FPI Score | 57/100 | 23/100 |
Health Tier | Moderate | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 330 | 128 |
SBA Volume | — | — |
Default Rate | 13.0% | 35.9% |
Peer Tier | major | major |
Investment & Costs
Total Investment | $645K – $2.5M | $199K – $672K |
Franchise Fee | $38K | $69K |
Royalty Rate | 4% | 5% |
Ad Fund | 5.2% | 3% |
Liquid Capital | $500K | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 3,365 | 88 |
Franchised Units | 2,286 | 88 |
Company-Owned | 1,079 | — |
Term Length | 20 yrs | 10 yrs |
Brand Information
Year Founded | 1964 | 1993 |
Franchising Since | 2015 | N/A |
Years Franchising | 11 yrs | N/A |
Headquarters | OROVILLE, CA | ATLANTA, GA |
Category | Full-Service Restaurants | Full-Service Restaurants |
Website | ||
FDD Year | 2026 | N/A |
Which Is Better — Arby's or Atlanta Bread Company?
Lower upfront capital required
Atlanta Bread Company
Arby's: $645K starting · Atlanta Bread Company: $199K starting
More SBA lender confidence
Arby's
Arby's: 330 SBA loans · Atlanta Bread Company: 128 SBA loans
Lower historical default rate
Arby's
Arby's: 13.0% · Atlanta Bread Company: 35.9%
Larger system & brand presence
Arby's
Arby's: 3,365 units · Atlanta Bread Company: 88 units
Lower ongoing royalty load
Arby's
Arby's: 4% · Atlanta Bread Company: 5%
More lender financing options
Arby's
Arby's: 130 unique lenders · Atlanta Bread Company: 42 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
Arby's vs Atlanta Bread Company: Franchise Funding Comparison
Comparing Arby's and Atlanta Bread Company is about more than brand preference — it's about which franchise fits your financial profile and funding strategy. Investment ranges from $199K to $2.5M.
Both brands have active SBA lending histories — Arby's with 330 SBA loans and Atlanta Bread Company with 128. 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.