Goosehead Insurance vs Quantum Assurance Internationa
Goosehead Insurance vs Quantum Assurance Internationa: Goosehead Insurance costs $66K to $109K to open; Quantum Assurance Internationa costs $31K to $361K. Goosehead Insurance has 1,115 units, Quantum Assurance Internationa has 11. SBA loan history: Goosehead Insurance = 48 loans (2.1% default); Quantum Assurance Internationa = 18 loans (22.2% 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.
Goosehead Insurance vs Quantum Assurance Internationa: 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
Quantum Assurance Internationa requires the lower minimum capital commitment ($31K vs $66K for Goosehead Insurance), a 113% spread.
System Scale & Tenure
On scale, Goosehead Insurance operates 1,115 units to Quantum Assurance Internationa's 11, roughly 101× the system size. Goosehead Insurance has been operating 23 years (founded 2003) versus 7 for Quantum Assurance Internationa (founded 2019), a 16-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Goosehead Insurance has the deeper SBA lending track record, with 48 7(a) approvals compared with 18 for Quantum Assurance Internationa. Goosehead Insurance's peak SBA year was 2025 (11 loans); Quantum Assurance Internationa's peak was 2021 (10 loans). Goosehead Insurance's more recent peak generally indicates fresher lender appetite. Goosehead Insurance has the most SBA funded units in TX, with 12. Quantum Assurance Internationa leads in IN, 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 Goosehead Insurance deals is $250K vs $249K for Quantum Assurance Internationa, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 2.1% for Goosehead Insurance and 22.2% for Quantum Assurance Internationa, Goosehead Insurance has the cleaner SBA loss record by 20.1 points. PeerSense FPI scores come in at 66 (Strong) for Goosehead Insurance and 29 (Fair) for Quantum Assurance Internationa, giving Goosehead Insurance the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 66/100 | 29/100 |
Health Tier | Strong | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 48 | 18 |
SBA Volume | – | – |
Default Rate | 2.1% | 22.2% |
Peer Tier | established | growing |
Investment & Costs
Total Investment | $66K to $109K | $31K to $361K |
Franchise Fee | $50K | N/A |
Royalty Rate | 20% | N/A |
Ad Fund | 2% | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 1,115 | 11 |
Franchised Units | 1,103 | 11 |
Company Owned | 12 | – |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | 2003 | 2019 |
Franchising Since | 2011 | N/A |
Years Franchising | 15 yrs | N/A |
Headquarters | BRYAN, TX | FRANKFORT, IN |
Category | Insurance Agencies | Insurance Agencies |
Website | ||
FDD Year | 2025 | N/A |
Which Is Better, Goosehead Insurance or Quantum Assurance Internationa?
Lower upfront capital required
Tie
Goosehead Insurance: $66K starting · Quantum Assurance Internationa: $31K starting
More SBA lender confidence
Goosehead Insurance
Goosehead Insurance: 48 SBA loans · Quantum Assurance Internationa: 18 SBA loans
Lower SBA default rate
Goosehead Insurance
Goosehead Insurance: 2.1% · Quantum Assurance Internationa: 22.2%
Larger system & brand presence
Tie
Goosehead Insurance: 1,115 units · Quantum Assurance Internationa: 11 units
More lender financing options
Goosehead Insurance
Goosehead Insurance: 31 unique lenders · Quantum Assurance Internationa: 4 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
Goosehead Insurance vs Quantum Assurance Internationa: Franchise Funding Comparison
Comparing Goosehead Insurance and Quantum Assurance Internationa is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $31K to $361K.
Goosehead Insurance has 48 SBA loans on record and Quantum Assurance Internationa has 18. 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.
Goosehead Insurance vs Quantum Assurance Internationa, Frequently Asked Questions
Which is a better franchise investment, Goosehead Insurance or Quantum Assurance Internationa?
How much does a Goosehead Insurance franchise cost compared to Quantum Assurance Internationa?
Can I finance Goosehead Insurance or Quantum Assurance Internationa with an SBA loan?
Which has a lower SBA default rate, Goosehead Insurance or Quantum Assurance Internationa?
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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
Last reviewed LinkedIn profileAbout Edward Freeman