Miracle Method vs The Flying Locksmiths
Miracle Method vs The Flying Locksmiths: Miracle Method costs $16K–$321K to open; The Flying Locksmiths costs $120K–$350K. Miracle Method has 34 units, The Flying Locksmiths has 38. SBA loan history: Miracle Method = 36 loans (5.6% default); The Flying Locksmiths = 49 loans (4.1% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
Miracle Method vs The Flying Locksmiths: 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
Miracle Method requires the lower minimum capital commitment ($16K vs $120K for The Flying Locksmiths), a 87% spread. Initial franchise fees come in at $19K for Miracle Method versus $75K for The Flying Locksmiths, Miracle Method has the lower entry fee. Ongoing royalty load is 18.5% for Miracle Method and 8% for The Flying Locksmiths, giving The Flying Locksmiths the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, The Flying Locksmiths operates 38 units to Miracle Method's 34.
SBA Lending Profile
The Flying Locksmiths has the deeper SBA lending track record with 49 historical 7(a) approvals versus 36 for Miracle Method. Miracle Method's peak SBA year was 2018 (11 loans); The Flying Locksmiths's peak was 2017 (14 loans). Miracle Method's more recent peak generally indicates fresher lender appetite. Geographically, Miracle Method concentrates in MO (3 SBA-funded units) while The Flying Locksmiths leads in OH (5). Pick the brand whose strongest state matches yours for warmest lender introductions. Average SBA loan size on funded Miracle Method deals is $278K vs $174K for The Flying Locksmiths, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 5.6% for Miracle Method and 4.1% for The Flying Locksmiths, The Flying Locksmiths has the cleaner historical loss profile by 1.5 points. PeerSense FPI scores come in at 55 (Moderate) for Miracle Method and 54 (Moderate) for The Flying Locksmiths, giving Miracle Method the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 55/100 | 54/100 |
Health Tier | Moderate | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 36 | 49 |
SBA Volume | – | – |
Default Rate | 5.6% | 4.1% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $16K – $321K | $120K – $350K |
Franchise Fee | $19K | $75K |
Royalty Rate | 18.5% | 8% |
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 | 34 | 38 |
Franchised Units | 34 | 38 |
Company-Owned | – | – |
Term Length | 3 yrs | 10 yrs |
Brand Information
Year Founded | N/A | N/A |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Denver, CO | Pennsylvania, PA |
Category | Other Personal | Other Personal |
Website | ||
FDD Year | 2026 | 2026 |
Which Is Better, Miracle Method or The Flying Locksmiths?
Lower upfront capital required
Miracle Method
Miracle Method: $16K starting · The Flying Locksmiths: $120K starting
More SBA lender confidence
The Flying Locksmiths
Miracle Method: 36 SBA loans · The Flying Locksmiths: 49 SBA loans
Lower historical default rate
The Flying Locksmiths
Miracle Method: 5.6% · The Flying Locksmiths: 4.1%
Larger system & brand presence
The Flying Locksmiths
Miracle Method: 34 units · The Flying Locksmiths: 38 units
Lower ongoing royalty load
The Flying Locksmiths
Miracle Method: 18.5% · The Flying Locksmiths: 8%
More lender financing options
Miracle Method
Miracle Method: 24 unique lenders · The Flying Locksmiths: 12 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 Miracle Method or The Flying Locksmiths?
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
Miracle Method vs The Flying Locksmiths: Franchise Funding Comparison
Comparing Miracle Method and The Flying Locksmiths is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $16K to $350K.
Both brands have active SBA lending histories, Miracle Method with 36 SBA loans and The Flying Locksmiths with 49. 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.
Miracle Method vs The Flying Locksmiths, Frequently Asked Questions
Which is a better franchise investment, Miracle Method or The Flying Locksmiths?
How much does a Miracle Method franchise cost compared to The Flying Locksmiths?
Can I finance Miracle Method or The Flying Locksmiths with an SBA loan?
Which has a lower SBA default rate, Miracle Method or The Flying Locksmiths?
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.