Filterfresh (Coffee Service) vs Pepperidge Farms
Filterfresh (Coffee Service) vs Pepperidge Farms: Filterfresh (Coffee Service) costs $195K to $896K to open; Pepperidge Farms costs $20K to $84K. Filterfresh (Coffee Service) has 6 units, Pepperidge Farms has 8. SBA loan history: Filterfresh (Coffee Service) = 7 loans (0.0% default); Pepperidge Farms = 9 loans (11.1% 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.
Filterfresh (Coffee Service) vs Pepperidge Farms: 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
Pepperidge Farms requires the lower minimum capital commitment ($20K vs $195K for Filterfresh (Coffee Service)), a 875% spread.
System Scale & Tenure
On scale, Pepperidge Farms operates 8 units to Filterfresh (Coffee Service)'s 6. Pepperidge Farms has been operating 89 years (founded 1937) versus 21 for Filterfresh (Coffee Service) (founded 2005), a 68-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Pepperidge Farms has the deeper SBA lending track record, with 9 7(a) approvals compared with 7 for Filterfresh (Coffee Service). Filterfresh (Coffee Service)'s peak SBA year was 2008 (2 loans); Pepperidge Farms's peak was 2004 (2 loans). Filterfresh (Coffee Service)'s more recent peak generally indicates fresher lender appetite. Filterfresh (Coffee Service) has the most SBA funded units in NY, with 3. Pepperidge Farms leads in MA, with 4. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Filterfresh (Coffee Service) deals is $505K vs $50K for Pepperidge Farms, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Filterfresh (Coffee Service) and 11.1% for Pepperidge Farms, Filterfresh (Coffee Service) has the cleaner SBA loss record by 11.1 points. PeerSense FPI scores come in at 51 (Moderate) for Filterfresh (Coffee Service) and 31 (Fair) for Pepperidge Farms, giving Filterfresh (Coffee Service) the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 51/100 | 31/100 |
Health Tier | Moderate | Limited |
Confidence | N/A | N/A |
Lending Trend | N/A | Declining |
SBA Lending
SBA Loans | 7 | 9 |
SBA Volume | – | – |
Default Rate | 0.0% | 11.1% |
Peer Tier | emerging | emerging |
Investment & Costs
Total Investment | $195K to $896K | $20K to $84K |
Franchise Fee | $40K | N/A |
Royalty Rate | 6% | 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 | 6 | 8 |
Franchised Units | 6 | 8 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 2005 | 1937 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | BRENTWOOD, NY | BEDFORD (TOWN OF), MA |
Category | Other Grocery | Other Grocery |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Filterfresh (Coffee Service) or Pepperidge Farms?
Lower upfront capital required
Tie
Filterfresh (Coffee Service): $195K starting · Pepperidge Farms: $20K starting
More SBA lender confidence
Pepperidge Farms
Filterfresh (Coffee Service): 7 SBA loans · Pepperidge Farms: 9 SBA loans
Lower SBA default rate
Filterfresh (Coffee Service)
Filterfresh (Coffee Service): 0.0% · Pepperidge Farms: 11.1%
Larger system & brand presence
Tie
Filterfresh (Coffee Service): 6 units · Pepperidge Farms: 8 units
More lender financing options
Tie
Filterfresh (Coffee Service): 7 unique lenders · Pepperidge Farms: 7 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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Filterfresh (Coffee Service) vs Pepperidge Farms: Franchise Funding Comparison
Comparing Filterfresh (Coffee Service) and Pepperidge Farms is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $20K to $896K.
Filterfresh (Coffee Service) has 7 SBA loans on record and Pepperidge Farms has 9. 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.
Filterfresh (Coffee Service) vs Pepperidge Farms, Frequently Asked Questions
Which is a better franchise investment, Filterfresh (Coffee Service) or Pepperidge Farms?
How much does a Filterfresh (Coffee Service) franchise cost compared to Pepperidge Farms?
Can I finance Filterfresh (Coffee Service) or Pepperidge Farms with an SBA loan?
Which has a lower SBA default rate, Filterfresh (Coffee Service) or Pepperidge Farms?
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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; 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
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