Sweet Factory vs Tropik Sun Fruit & Nut
Sweet Factory vs Tropik Sun Fruit & Nut: Sweet Factory costs $80K to $501K to open; Tropik Sun Fruit & Nut costs $38K to $144K. Sweet Factory has 7 units, Tropik Sun Fruit & Nut has 9. SBA loan history: Sweet Factory = 7 loans (0.0% default); Tropik Sun Fruit & Nut = 13 loans (7.7% 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.
Sweet Factory vs Tropik Sun Fruit & Nut: 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
Tropik Sun Fruit & Nut requires the lower minimum capital commitment ($38K vs $80K for Sweet Factory), a 111% spread. Initial franchise fees come in at $35K for Sweet Factory versus $44K for Tropik Sun Fruit & Nut, Sweet Factory has the lower entry fee. Ongoing royalty load is 6% for Sweet Factory and 6% for Tropik Sun Fruit & Nut, equal royalty drag.
System Scale & Tenure
On scale, Tropik Sun Fruit & Nut operates 9 units to Sweet Factory's 7. Tropik Sun Fruit & Nut has been operating 46 years (founded 1980) versus 40 for Sweet Factory (founded 1986), a 6-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Tropik Sun Fruit & Nut has the deeper SBA lending track record, with 13 7(a) approvals compared with 7 for Sweet Factory. Sweet Factory's peak SBA year was 2009 (2 loans); Tropik Sun Fruit & Nut's peak was 2001 (2 loans). Sweet Factory's more recent peak generally indicates fresher lender appetite. Sweet Factory has the most SBA funded units in CA, with 6. Tropik Sun Fruit & Nut leads in TX, with 5. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Sweet Factory deals is $258K vs $93K for Tropik Sun Fruit & Nut, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Sweet Factory and 7.7% for Tropik Sun Fruit & Nut, Sweet Factory has the cleaner SBA loss record by 7.7 points. PeerSense FPI scores come in at 45 (Fair) for Sweet Factory and 39 (Fair) for Tropik Sun Fruit & Nut, giving Sweet Factory the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 45/100 | 39/100 |
Health Tier | Fair | Fair |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 7 | 13 |
SBA Volume | – | – |
Default Rate | 0.0% | 7.7% |
Peer Tier | emerging | growing |
Investment & Costs
Total Investment | $80K to $501K | $38K to $144K |
Franchise Fee | $35K | $44K |
Royalty Rate | 6% | 6% |
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 | 7 | 9 |
Franchised Units | 7 | 9 |
Company Owned | – | – |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | 1986 | 1980 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Brea, CA | CORPUS CHRISTI, TX |
Category | Confectionery | Confectionery |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, Sweet Factory or Tropik Sun Fruit & Nut?
Lower upfront capital required
Tie
Sweet Factory: $80K starting · Tropik Sun Fruit & Nut: $38K starting
More SBA lender confidence
Tropik Sun Fruit & Nut
Sweet Factory: 7 SBA loans · Tropik Sun Fruit & Nut: 13 SBA loans
Lower SBA default rate
Sweet Factory
Sweet Factory: 0.0% · Tropik Sun Fruit & Nut: 7.7%
Larger system & brand presence
Tie
Sweet Factory: 7 units · Tropik Sun Fruit & Nut: 9 units
Lower ongoing royalty load
Tie
Sweet Factory: 6% · Tropik Sun Fruit & Nut: 6%
More lender financing options
Tropik Sun Fruit & Nut
Sweet Factory: 4 unique lenders · Tropik Sun Fruit & Nut: 11 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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Sweet Factory vs Tropik Sun Fruit & Nut: Franchise Funding Comparison
Comparing Sweet Factory and Tropik Sun Fruit & Nut is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $38K to $501K.
Sweet Factory has 7 SBA loans on record and Tropik Sun Fruit & Nut has 13. 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.
Sweet Factory vs Tropik Sun Fruit & Nut, Frequently Asked Questions
Which is a better franchise investment, Sweet Factory or Tropik Sun Fruit & Nut?
How much does a Sweet Factory franchise cost compared to Tropik Sun Fruit & Nut?
Can I finance Sweet Factory or Tropik Sun Fruit & Nut with an SBA loan?
Which has a lower SBA default rate, Sweet Factory or Tropik Sun Fruit & Nut?
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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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