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Rates
3 Tomatoes & Mozzarella

3 Tomatoes & Mozzarella

Franchising since 2000

The total investment to open a 3 Tomatoes & Mozzarella franchise ranges from $35,000 - $550,000. The initial franchise fee is $35,000. 3 Tomatoes & Mozzarella currently operates 0 locations. PeerSense FPI health score: 32/100.

Investment

$35,000 - $550,000

Franchise Fee

$35,000

Total Units

0

0
FPI Score
Low
32

Proprietary PeerSense metric

Limited
Capital Partners
1lenders available

Active capital sources verified for 3 Tomatoes & Mozzarella financing

SBA

7(a) Eligible

21d

Avg Funding

P+2.25%

Best Rate

No retainers · Referral fee at closing

FPI Score Breakdown

New/Niche (1-2 loans)

Limited Data
32out of 100
Limited

SBA Lending Performance

SBA Default Rate

100.0%

1 of 1 loans charged off

SBA Loans

1

Total Volume

$0.0M

Active Lenders

1

States

1

What is the 3 Tomatoes & Mozzarella franchise?

The question every prospective restaurant franchisee asks before committing six figures to a new concept is deceptively simple: does this brand deliver something meaningfully different, and can it survive long enough to return my investment? In the crowded American pizza and Italian casual dining space, where chains rise and collapse with regularity, "3 Tomatoes & Mozzarella" occupies a deliberate and distinct position — not as a mass-market pizza factory, but as a Tuscan-inspired neighborhood bistro built around scratch-made quality and fast-casual convenience. The concept was founded in June 2000 by Nancy and Jeff Roskin, a couple who relocated from Connecticut to Scottsdale, Arizona, and found the local pizza landscape deeply unsatisfying. Rather than accept mediocrity, they hired a consultant and brought in a chef from the Scottsdale Culinary Institute to build a menu centered on thin-crust pizzas, house-made pastas, paninis, and salads, with every component — including breads — produced in-house. That founding philosophy, which the Roskins described as delivering value, quality, price, and convenience by executing a limited menu extraordinarily well, distinguishes the 3 Tomatoes & Mozzarella franchise from competitors who sacrifice quality for volume. The restaurant's physical design reinforces the brand identity at every touchpoint: pillars, trellises, copper-topped tables, stained concrete floors, a glass-enclosed display kitchen, and an eggplant and mustard color scheme that collectively transport guests into a Tuscan bistro atmosphere. Headquartered in Scottsdale, Arizona, the brand has moved from a single founder-operated location into a franchising model designed to replicate that experience across the United States. This analysis is produced independently by PeerSense research analysts and is not sponsored by, affiliated with, or reviewed by 3 Tomatoes & Mozzarella or its parent organization. Every data point cited here is drawn from public filings, franchise disclosure materials, and verified industry research.

The broader full-service restaurant industry in which the 3 Tomatoes & Mozzarella franchise competes is one of the largest and most consistently resilient segments of the global consumer economy. The global full-service restaurants market is projected to reach USD 1.59 trillion in 2025, expanding to USD 2.05 trillion by 2035 at a compound annual growth rate of 2.6% over the forecast period. A separate research estimate projects the North American full-service restaurant market growing at a 2.5% CAGR from 2025 to 2032, while the USA specifically is forecast to expand at a 3.5% CAGR from 2025 to 2035. Within the broader FSR universe, casual dining restaurants command a dominant 72% market share, driven by their accessible price points, diverse menu options, and broad demographic appeal — precisely the positioning that 3 Tomatoes & Mozzarella occupies. Consumer behavior data further supports the brand's operational model: dine-in services still held a 65.83% market share in 2025, affirming that despite the surge in delivery and off-premise ordering, Americans continue to value the social, ambient dining experience. The Italian cuisine segment within the FSR market is specifically projected to grow at a significant CAGR over the coming decade, a secular tailwind that works directly in favor of a Tuscan-positioned concept. Meanwhile, consumer expectations are evolving in ways that align with the 3 Tomatoes & Mozzarella value proposition — diners increasingly prioritize quality, freshness, and transparency in food sourcing, and the brand's scratch-made, in-house production model positions it as a credible response to that demand. Digital integration, including AI-powered menu recommendations, contactless payment systems, and off-premise delivery infrastructure, is reshaping how fast-casual and full-service hybrid concepts compete for the growing share of customers who want restaurant-quality food with maximum convenience — a combination the brand has been building toward since its 2000 founding.

The 3 Tomatoes & Mozzarella franchise investment begins with an initial franchise fee of $35,000, a figure that falls within the competitive range for fast-casual Italian and pizza-focused restaurant franchises, where franchise fees commonly span from $25,000 to $50,000 depending on brand scale and market presence. The total estimated investment for a 3 Tomatoes & Mozzarella franchise ranges from approximately $35,000 to $550,000, a spread that reflects the range of potential formats, geographic build-out costs, lease obligations, and equipment configurations available to franchisees. One broader industry listing for the brand also references investment tiers ranging from under $60,000 to over $1,000,000, suggesting that development or multi-unit arrangements may carry substantially different capital requirements than a single-unit standard build. The more actionable figure for most prospective franchisees is the $35,000 to $550,000 range, with the lower end potentially representing conversion opportunities or non-traditional formats and the upper end reflecting full ground-up Tuscan bistro build-outs with complete kitchen infrastructure. For context, the franchisor provides a full restaurant equipment and fixtures package as part of its support structure, which can help moderate total project costs compared to independent restaurant openings where equipment procurement and installation are entirely the operator's burden. Standard franchise industry benchmarks place ongoing royalty fees in the 4% to 8% of gross sales range, and national advertising fund contributions typically run 1% to 3% of sales — both ranges representing the reasonable expectation for an investor modeling their 3 Tomatoes & Mozzarella franchise cost over a multi-year horizon until specific contract disclosures are reviewed. The turn-key build-out support offered by the franchisor, which includes assistance with restaurant and kitchen design, site selection, architecture, and construction, reduces the ambiguity that typically inflates first-time restaurant operator costs. Prospective investors should note that the stated liquid capital requirement has been listed at $0 in some discovery materials, which is an atypically low threshold and warrants direct verification with the franchisor before proceeding with any investment commitment.

The daily operating model of a 3 Tomatoes & Mozzarella franchise is structured around an upscale fast-casual format that demands meaningful owner involvement, particularly in the early years of operation. The Roskins themselves have been candid about the realities of restaurant ownership: the business requires long hours, including nights, weekends, and holidays, because the concept must be open precisely when the broader workforce is off — a structural truth that shapes staffing strategy and owner-operator expectations. The menu's reliance on scratch-made production, including house-baked breads and in-house pasta preparation, is described by the founders as deliberately labor-intensive, a commitment to quality that differentiates the brand but requires skilled kitchen staff and rigorous training. The franchise program is described as turn-key, with the corporate team offering comprehensive training that covers every aspect of store management, giving incoming franchisees a structured path to operational competency even without prior restaurant industry experience. Support resources available to franchisees include use of the trademarked name and logo, access to a national food and paper supplier, a complete Manual of Operating Procedures, an advertising kit for public relations support, uniforms, and branded merchandise and paper goods. An opening team is deployed to assist with Grand Opening execution, a critical window that often determines whether a new restaurant establishes early momentum or struggles to build a customer base. The franchise program explicitly allows franchisees to choose how involved or removed the corporate team remains in ongoing operations, providing a degree of operational flexibility uncommon in more prescriptive franchise systems. Territory support is delivered through the franchisor's site selection assistance, which applies the company's accumulated experience from its Scottsdale origins to help franchisees identify locations with favorable demographics, traffic patterns, and competitive environments.

Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document for 3 Tomatoes & Mozzarella, meaning the franchisor has elected not to provide average revenue, median revenue, top-quartile or bottom-quartile unit performance data, or formal profit margin disclosures. This is a significant consideration for any serious investor, because Item 19 disclosure — while technically optional under FTC franchise regulations — is the primary mechanism by which prospective franchisees can evaluate the real-world revenue potential of a concept before signing a multi-year agreement. In the absence of specific earnings claims, investors conducting 3 Tomatoes & Mozzarella franchise revenue due diligence must rely on industry benchmarks and direct franchisee interviews. For context within the broader fast-casual Italian segment, comparable neighborhood pizza and pasta bistro concepts with similar price points and footprints typically generate annual unit revenues ranging from $600,000 to $1.4 million depending on market density, location quality, and operational execution. The global full-service restaurant market's projected growth from USD 1.59 trillion in 2025 to USD 2.05 trillion by 2035 provides a favorable macro backdrop, but market-level growth statistics do not guarantee unit-level profitability. The brand's stated philosophy of executing a limited menu extraordinarily well in a cost-controlled fast-casual environment is consistent with the operational profile of higher-margin independent restaurant concepts, where focused menus typically deliver better food cost ratios than sprawling, complex operations. The PeerSense FPI Score for 3 Tomatoes & Mozzarella is 32, classified as Limited, which reflects the constrained volume of independently verifiable performance data currently available for this franchise system — a signal that prospective investors should weight appropriately when comparing this opportunity against brands with deeper disclosure histories and larger unit counts. Investors should request audited or internally prepared financial statements from the franchisor, speak directly with existing franchisees under Item 19's franchisee contact list requirements, and model conservative, moderate, and optimistic revenue scenarios before committing capital.

The growth trajectory of the 3 Tomatoes & Mozzarella franchise opportunity is best understood as an early-stage expansion story rather than a mature, high-velocity rollout. The brand has communicated publicly that it "reached its current goals thanks to high demand" and that "more opportunities are coming soon," language consistent with a phased, deliberate approach to franchise development rather than the rapid unit addition strategy pursued by venture-backed fast-casual chains. This measured growth posture carries dual implications for prospective franchisees: it suggests the brand is not sacrificing quality or franchisee support capacity for speed, but it also means investors have limited historical performance data from operational franchised units to benchmark against. The Tuscan bistro positioning — defined by copper-topped tables, glass-enclosed display kitchens, and scratch-made food — creates a physical and experiential differentiation that is genuinely difficult for commodity pizza chains to replicate without fundamental operational restructuring. The brand's competitive moat is constructed from its proprietary trade dress, in-house food production methodology, and the accumulated operational knowledge embedded in its Manual of Operating Procedures and support infrastructure. In a restaurant market increasingly shaped by digital integration, where AI-driven menu personalization and contactless ordering are becoming baseline consumer expectations, the 3 Tomatoes & Mozzarella franchise opportunity would benefit from transparent communication about its current and planned technology investments, delivery platform partnerships, and off-premise ordering capabilities. The broader pizza restaurant market is demonstrating robust momentum internationally — the Saudi Arabia pizza restaurant market alone is projected to grow from USD 2.15 billion in 2025 to USD 3.47 billion by 2031 at a CAGR of 8.32% — underscoring that consumer appetite for quality pizza concepts remains structurally strong across markets. Within the United States, the 3.5% CAGR projected for the USA full-service restaurant industry from 2025 to 2035 represents a constructive operating environment for a differentiated, quality-focused neighborhood concept with a disciplined expansion strategy.

The ideal 3 Tomatoes & Mozzarella franchise candidate is, based on the operational demands described by the founders, an owner-operator who is prepared for active, hands-on involvement in daily restaurant management rather than a passive investor seeking absentee returns. The Roskins' direct experience highlights that restaurant economics reward operators who are present during peak service periods — evenings, weekends, and holidays — and who maintain personal accountability for food quality standards in a scratch-made production environment. Prior experience in food service, hospitality management, or multi-unit retail operations would meaningfully accelerate the learning curve, though the comprehensive training program is structured to bring motivated candidates without restaurant backgrounds to operational competency. The franchisor's expanding franchise model is focused on the United States market, making this an opportunity most relevant for domestic investors evaluating neighborhood restaurant concepts in markets where the Tuscan bistro positioning can differentiate from standard pizza delivery chains and mass-market Italian casual dining brands. The franchise program's flexibility — allowing franchisees to calibrate how much ongoing corporate involvement they elect — suggests the system can accommodate both first-time franchisees who need maximum support and experienced multi-unit operators who prefer operational autonomy. With total investment ranging from $35,000 to $550,000 and a franchise fee of $35,000, this is an accessible entry point relative to full-service restaurant investment benchmarks, which frequently demand $750,000 to $1.5 million or more for established brand affiliations. Prospective franchisees should evaluate territory availability in markets with sufficient affluent suburban density to support a premium fast-casual Italian dining concept at the price point that the Tuscan ambiance and scratch-made quality justify.

For the franchise investor conducting rigorous due diligence on the 3 Tomatoes & Mozzarella franchise opportunity, the investment thesis rests on several converging factors: a founder-built brand with a clearly differentiated positioning in a global full-service restaurant market valued at USD 1.59 trillion in 2025 and growing; a total investment entry point of $35,000 to $550,000 that is accessible relative to full-service restaurant category norms; a turn-key support structure that includes build-out assistance, training, equipment packages, and national supplier access; and a consumer trend environment where demand for quality, scratch-made Italian food in an experiential dining setting is structurally supported by a 3.5% CAGR projected for the U.S. full-service restaurant market through 2035. The primary due diligence imperative is the absence of Item 19 financial performance disclosure, which means revenue and profitability projections must be constructed from direct franchisee conversations, industry benchmarking, and independent financial modeling rather than franchisor-provided earnings claims. The PeerSense FPI Score of 32 (Limited) for this franchise reflects the current constraints on independently verifiable performance data and should be interpreted as a signal to conduct deeper primary research rather than as a disqualifying factor for an otherwise compelling concept. PeerSense provides exclusive due diligence data including SBA lending history, FPI score, location maps with Google ratings, FDD financial data, and side-by-side comparison tools that allow investors to benchmark the 3 Tomatoes & Mozzarella franchise against comparable Italian fast-casual and full-service concepts across investment level, royalty structure, unit count trajectory, and franchisee satisfaction indicators. The combination of a differentiated brand identity, a supportive franchisor infrastructure, and a favorable macro environment for Italian dining concepts makes this a franchise opportunity worthy of structured investigation by serious investors. Explore the complete 3 Tomatoes & Mozzarella franchise profile on PeerSense to access the full suite of independent franchise intelligence data.

FPI Score

32/100

SBA Default Rate

100.0%

Active Lenders

1

Key Highlights

Data Insights

Key performance metrics for 3 Tomatoes & Mozzarella based on SBA lending data

SBA Default Rate

100.0%

1 of 1 loans charged off

SBA Loan Volume

1 loans

Across 1 lenders

Lender Diversity

1 lenders

Avg 1.0 loans per lender

Investment Tier

Mid-range investment

$35,000 – $550,000 total

Payment Estimator

Loan Amount$28K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$362

Principal & Interest only

Locations

3 Tomatoes & Mozzarellaunit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

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3 Tomatoes & Mozzarella