Grain & Berry vs Rush Bowls
Grain & Berry vs Rush Bowls: Grain & Berry costs $258K to $674K to open; Rush Bowls costs $200K to $545K. Grain & Berry has 19 units, Rush Bowls has 25. SBA loan history: Grain & Berry = 25 loans (0.0% default); Rush Bowls = 35 loans (0.0% 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.
Grain & Berry vs Rush Bowls: 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
Rush Bowls requires the lower minimum capital commitment ($200K vs $258K for Grain & Berry), a 29% spread. Initial franchise fees come in at $50K for Grain & Berry versus $39K for Rush Bowls, Rush Bowls has the lower entry fee. Ongoing royalty load is 6% for Grain & Berry and 6% for Rush Bowls, equal royalty drag.
System Scale & Tenure
On scale, Rush Bowls operates 25 units to Grain & Berry's 19. Rush Bowls has been operating 22 years (founded 2004) versus 9 for Grain & Berry (founded 2017), a 13-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Rush Bowls has the deeper SBA lending track record, with 35 7(a) approvals compared with 25 for Grain & Berry.
Risk Signal
SBA default rates are 0.0% for Grain & Berry and 0.0% for Rush Bowls. PeerSense FPI scores come in at 84 (Excellent) for Grain & Berry and 82 (Excellent) for Rush Bowls, giving Grain & Berry the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 84/100 | 82/100 |
Health Tier | Excellent | Excellent |
Confidence | N/A | N/A |
Lending Trend | Surging | Growing |
SBA Lending
SBA Loans | 25 | 35 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $258K to $674K | $200K to $545K |
Franchise Fee | $50K | $39K |
Royalty Rate | 6% | 6% |
Ad Fund | N/A | N/A |
Liquid Capital | $100K | N/A |
Net Worth Required | $350K | $550K |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 19 | 25 |
Franchised Units | 19 | 25 |
Company Owned | – | – |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | 2017 | 2004 |
Franchising Since | 2019 | 2016 |
Years Franchising | 7 yrs | 10 yrs |
Headquarters | Tampa, FL | Boulder, CO |
Category | Healthy Food & Beverage | Healthy Food & Beverage |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Grain & Berry or Rush Bowls?
Lower upfront capital required
Tie
Grain & Berry: $258K starting · Rush Bowls: $200K starting
More SBA lender confidence
Rush Bowls
Grain & Berry: 25 SBA loans · Rush Bowls: 35 SBA loans
Lower SBA default rate
Tie
Grain & Berry: 0.0% · Rush Bowls: 0.0%
Larger system & brand presence
Tie
Grain & Berry: 19 units · Rush Bowls: 25 units
Lower ongoing royalty load
Tie
Grain & Berry: 6% · Rush Bowls: 6%
More lender financing options
Grain & Berry
Grain & Berry: 9 unique lenders · Rush Bowls: 8 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
Grain & Berry vs Rush Bowls: Franchise Funding Comparison
Comparing Grain & Berry and Rush Bowls is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $200K to $674K.
Grain & Berry has 25 SBA loans on record and Rush Bowls has 35. Those totals are cumulative history rather than a measure of current appetite. Both brands have an established underwriting path, though the lender that fits a specific deal still depends on its size, location and the buyer.
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.
Grain & Berry vs Rush Bowls, Frequently Asked Questions
Which is a better franchise investment, Grain & Berry or Rush Bowls?
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Which has a lower SBA default rate, Grain & Berry or Rush Bowls?
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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