Christian Brothers Automotive vs Midas
Christian Brothers Automotive vs Midas: Christian Brothers Automotive costs $350K to $771K to open; Midas costs $141K to $1.3M. Christian Brothers Automotive has 242 units, Midas has 370. SBA loan history: Christian Brothers Automotive = 319 loans (0.0% default); Midas = 478 loans (8.4% 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.
Christian Brothers Automotive vs Midas: 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
Midas requires the lower minimum capital commitment ($141K vs $350K for Christian Brothers Automotive), a 148% spread. Initial franchise fees come in at $135K for Christian Brothers Automotive versus $50K for Midas, Midas has the lower entry fee.
System Scale & Tenure
On scale, Midas operates 370 units to Christian Brothers Automotive's 242. Midas has been operating 70 years (founded 1956) versus 44 for Christian Brothers Automotive (founded 1982), a 26-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Midas has the deeper SBA lending track record, with 478 7(a) approvals compared with 319 for Christian Brothers Automotive. Christian Brothers Automotive's peak SBA year was 2022 (33 loans); Midas's peak was 1994 (26 loans). Christian Brothers Automotive's more recent peak generally indicates fresher lender appetite. Christian Brothers Automotive has the most SBA funded units in TX, with 128. Midas leads in CA, with 51. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Christian Brothers Automotive deals is $381K vs $428K for Midas, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Christian Brothers Automotive and 8.4% for Midas, Christian Brothers Automotive has the cleaner SBA loss record by 8.4 points. PeerSense FPI scores come in at 64 (Moderate) for Christian Brothers Automotive and 68 (Strong) for Midas, giving Midas the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 64/100 | 68/100 |
Health Tier | Moderate | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 319 | 478 |
SBA Volume | – | – |
Default Rate | 0.0% | 8.4% |
Peer Tier | major | major |
Investment & Costs
Total Investment | $350K to $771K | $141K to $1.3M |
Franchise Fee | $135K | $50K |
Royalty Rate | 50% | 5% |
Ad Fund | 3% | 1% |
Liquid Capital | $85K | $50K |
Net Worth Required | $250K | $250K |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 242 | 370 |
Franchised Units | 242 | 370 |
Company Owned | – | – |
Term Length | 15 yrs | N/A |
Which Is Better, Christian Brothers Automotive or Midas?
Lower upfront capital required
Midas
Christian Brothers Automotive: $350K starting · Midas: $141K starting
More SBA lender confidence
Midas
Christian Brothers Automotive: 319 SBA loans · Midas: 478 SBA loans
Lower SBA default rate
Christian Brothers Automotive
Christian Brothers Automotive: 0.0% · Midas: 8.4%
Larger system & brand presence
Midas
Christian Brothers Automotive: 242 units · Midas: 370 units
Lower ongoing royalty load
Midas
Christian Brothers Automotive: 50% · Midas: 5%
More lender financing options
Midas
Christian Brothers Automotive: 44 unique lenders · Midas: 166 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
Christian Brothers Automotive vs Midas: Franchise Funding Comparison
Comparing Christian Brothers Automotive and Midas is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $141K to $1.3M.
Christian Brothers Automotive has 319 SBA loans on record and Midas has 478. 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.
Christian Brothers Automotive vs Midas, Frequently Asked Questions
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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; it does not lend, fund, or approve loans, and 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