Arby's vs Naturals2go
Arby's vs Naturals2go: Arby's costs $645K–$2.5M to open; Naturals2go costs $75K–$150K. Arby's has 3,365 units, Naturals2go has 262. SBA loan history: Arby's = 330 loans (13.0% default); Naturals2go = 265 loans (1.9% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
Arby's vs Naturals2go: 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
Naturals2go requires the lower minimum capital commitment ($75K vs $645K for Arby's), a 760% spread. Initial franchise fees come in at $38K for Arby's versus $75K for Naturals2go, Arby's has the lower entry fee.
System Scale & Tenure
On scale, Arby's operates 3,365 units to Naturals2go's 262, roughly 13× the system size. Arby's has been operating 62 years (founded 1964) versus 17 for Naturals2go (founded 2009), a 45-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Arby's has the deeper SBA lending track record with 330 historical 7(a) approvals versus 265 for Naturals2go. Arby's's peak SBA year was 1995 (27 loans); Naturals2go's peak was 2025 (68 loans). Naturals2go's more recent peak generally indicates fresher lender appetite. Geographically, Arby's concentrates in CA (44 SBA-funded units) while Naturals2go leads in TX (43). Pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded Arby's deals is $583K vs $127K for Naturals2go, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 13.0% for Arby's and 1.9% for Naturals2go, Naturals2go has the cleaner historical loss profile by 11.1 points. PeerSense FPI scores come in at 57 (Moderate) for Arby's and 77 (Strong) for Naturals2go, giving Naturals2go the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 57/100 | 77/100 |
Health Tier | Moderate | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Growing |
SBA Lending
SBA Loans | 330 | 265 |
SBA Volume | – | – |
Default Rate | 13.0% | 1.9% |
Peer Tier | major | major |
Investment & Costs
Total Investment | $645K – $2.5M | $75K – $150K |
Franchise Fee | $38K | $75K |
Royalty Rate | 4% | N/A |
Ad Fund | 5.2% | N/A |
Liquid Capital | $500K | N/A |
Net Worth Required | N/A | $150K |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 3,365 | 262 |
Franchised Units | 2,286 | 262 |
Company-Owned | 1,079 | – |
Term Length | 20 yrs | N/A |
Brand Information
Year Founded | 1964 | 2009 |
Franchising Since | 2015 | N/A |
Years Franchising | 11 yrs | N/A |
Headquarters | OROVILLE, CA | Dallas, TX |
Category | Full-Service Restaurants | Full-Service Restaurants |
Website | ||
FDD Year | 2026 | N/A |
Which Is Better, Arby's or Naturals2go?
Lower upfront capital required
Naturals2go
Arby's: $645K starting · Naturals2go: $75K starting
More SBA lender confidence
Arby's
Arby's: 330 SBA loans · Naturals2go: 265 SBA loans
Lower historical default rate
Naturals2go
Arby's: 13.0% · Naturals2go: 1.9%
Larger system & brand presence
Arby's
Arby's: 3,365 units · Naturals2go: 262 units
Lower ongoing royalty load
Naturals2go
Arby's: 4% · Naturals2go: 0%
More lender financing options
Arby's
Arby's: 130 unique lenders · Naturals2go: 14 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 Arby's or Naturals2go?
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
Arby's vs Naturals2go: Franchise Funding Comparison
Comparing Arby's and Naturals2go is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $75K to $2.5M.
Both brands have active SBA lending histories, Arby's with 330 SBA loans and Naturals2go with 265. 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.
Arby's vs Naturals2go, Frequently Asked Questions
Which is a better franchise investment, Arby's or Naturals2go?
How much does a Arby's franchise cost compared to Naturals2go?
Can I finance Arby's or Naturals2go with an SBA loan?
Which has a lower SBA default rate, Arby's or Naturals2go?
Financing a franchise? Get matched to an SBA lender.
Tell us which brand and your budget. We route you to lenders who have already funded deals in these systems.
Franchise / SBA 7(a): Response within 24–48 hours. No obligation.