Quantum Assurance Internationa vs TWFG Insurance Services
Quantum Assurance Internationa vs TWFG Insurance Services: Quantum Assurance Internationa costs $31K to $361K to open; TWFG Insurance Services costs $153K to $899K. Quantum Assurance Internationa has 11 units, TWFG Insurance Services has 13. SBA loan history: Quantum Assurance Internationa = 18 loans (22.2% default); TWFG Insurance Services = 14 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.
Quantum Assurance Internationa vs TWFG Insurance Services: 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 $153K for TWFG Insurance Services), a 80% spread.
System Scale & Tenure
On scale, TWFG Insurance Services operates 13 units to Quantum Assurance Internationa's 11. TWFG Insurance Services has been operating 25 years (founded 2001) versus 7 for Quantum Assurance Internationa (founded 2019), a 18-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Quantum Assurance Internationa has the deeper SBA lending track record, with 18 7(a) approvals compared with 14 for TWFG Insurance Services. Quantum Assurance Internationa's peak SBA year was 2021 (10 loans); TWFG Insurance Services's peak was 2022 (5 loans). TWFG Insurance Services's more recent peak generally indicates fresher lender appetite. Quantum Assurance Internationa has the most SBA funded units in IN, with 4. TWFG Insurance Services leads in TX, with 11. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Quantum Assurance Internationa deals is $249K vs $461K for TWFG Insurance Services, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 22.2% for Quantum Assurance Internationa and 0.0% for TWFG Insurance Services, TWFG Insurance Services has the cleaner SBA loss record by 22.2 points. PeerSense FPI scores come in at 29 (Fair) for Quantum Assurance Internationa and 54 (Moderate) for TWFG Insurance Services, giving TWFG Insurance Services the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 29/100 | 54/100 |
Health Tier | Limited | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 18 | 14 |
SBA Volume | – | – |
Default Rate | 22.2% | 0.0% |
Peer Tier | growing | growing |
Investment & Costs
Total Investment | $31K to $361K | $153K to $899K |
Franchise Fee | N/A | N/A |
Royalty Rate | N/A | 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 | 11 | 13 |
Franchised Units | 11 | 13 |
Company Owned | – | – |
Term Length | N/A | N/A |
Brand Information
Year Founded | 2019 | 2001 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | FRANKFORT, IN | AMARILLO, TX |
Category | Insurance Agencies | Insurance Agencies |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Quantum Assurance Internationa or TWFG Insurance Services?
Lower upfront capital required
Tie
Quantum Assurance Internationa: $31K starting · TWFG Insurance Services: $153K starting
More SBA lender confidence
Quantum Assurance Internationa
Quantum Assurance Internationa: 18 SBA loans · TWFG Insurance Services: 14 SBA loans
Lower SBA default rate
TWFG Insurance Services
Quantum Assurance Internationa: 22.2% · TWFG Insurance Services: 0.0%
Larger system & brand presence
Tie
Quantum Assurance Internationa: 11 units · TWFG Insurance Services: 13 units
More lender financing options
TWFG Insurance Services
Quantum Assurance Internationa: 4 unique lenders · TWFG Insurance Services: 6 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
Quantum Assurance Internationa vs TWFG Insurance Services: Franchise Funding Comparison
Comparing Quantum Assurance Internationa and TWFG Insurance Services is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $31K to $899K.
Quantum Assurance Internationa has 18 SBA loans on record and TWFG Insurance Services has 14. 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.
Quantum Assurance Internationa vs TWFG Insurance Services, Frequently Asked Questions
Which is a better franchise investment, Quantum Assurance Internationa or TWFG Insurance Services?
How much does a Quantum Assurance Internationa franchise cost compared to TWFG Insurance Services?
Can I finance Quantum Assurance Internationa or TWFG Insurance Services with an SBA loan?
Which has a lower SBA default rate, Quantum Assurance Internationa or TWFG Insurance Services?
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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