Ameritel
According to its Franchise Disclosure Document or public business records, Ameritel has 2 locations, all owned by franchisees. Public SBA loan records show 2 lenders made 2 loans to franchisees of Ameritel. PeerSense calculates Ameritel's score as 39 out of 100, using public SBA loan performance and recent lending activity.
What is the Ameritel franchise?
Ameritel, operating as American Telecommunications Inc., began in 1996 with a single store selling beepers and pagers. Over more than two decades, it developed into a master agent and wholesale distributor for T Mobile and Metro by T Mobile. The company manages a national network of more than 3,000 authorized dealers and more than 200 branded retail locations across the United States. Its national distribution hubs are in New York, Georgia, and California. At the time of its most recent public reporting, Ameritel had 109 franchised units and 45 company owned units in operation. Its combined retail footprint included 155 corporate T Mobile stores and 125 MetroPCS Exclusive stores. As of mid 2018, an Ameritel outlet was located within 10 miles of 230 million Americans. The PeerSense Loan Activity Score for the opportunity is 39, rated Fair. That score supports careful independent review before committing capital to a telecommunications retail franchise. This overview is independent research rather than marketing material, and the information is based on disclosed financial and operational data.
The United States wireless telecommunications market has a total addressable market valued at $170 billion. Mobile connectivity is treated by many consumers as a regular household expense, with wireless bills receiving priority alongside rent and groceries. Ameritel and its Metro by T Mobile authorized dealer network compete heavily in prepaid wireless, a segment supported by value conscious consumers and the movement of postpaid subscribers toward prepaid or no contract plans. Prepaid service serves price sensitive, urban, and immigrant demographics that may be underserved by traditional carrier retail. That customer base can provide demand that is less exposed to economic cycles than premium postpaid contracts. Wireless device sales, prepaid activations, and plan upgrades produce recurring transactions and different store economics from pure product retail. Dealer competition is fragmented, while the carrier level is highly consolidated. Following its merger with Sprint, T Mobile controls a substantial share of the United States wireless subscriber base and has continued investing in authorized dealer expansion to reach customers that corporate owned stores cannot efficiently serve. A $170 billion carrier network requires tens of thousands of independent retail touchpoints. Through an established master agent such as Ameritel, investors can access carrier subsidy programs, competitive wholesale pricing tiers, and marketing co op funding that an independent operator could not negotiate alone.
The Ameritel investment range is between $40,000 and $150,000. The range reflects geography, local real estate conditions, and the required scope of store buildout. Ameritel itself invests approximately $125,000 overall into each location, which the company describes as the industry's gold standard for retail setup quality. A new dealer partner is expected to contribute approximately $100,000, with roughly half directed to store buildout and the other half held as working capital. Liquid capital required for the standard franchise opportunity is $100,000. Ameritel of New England specifies a lower minimum cash requirement of $75,000 for its regional program in Connecticut, Massachusetts, New Hampshire, New York, and Rhode Island. Net worth requirements appear at $150,000 in certain sources, while another benchmark lists $100,000, indicating that qualification may vary by territory and program. Franchisees also receive marketing support for new store openings that can reach up to $45,000 per month through a partnership with T Mobile. Operators may access co op funding and continuing marketing campaigns managed at the carrier level. With a total investment ceiling below $150,000, this opportunity requires less capital than many food, fitness, and service franchise categories whose total investments routinely exceed $300,000 to $500,000.
An Ameritel store uses a lean, transaction focused operating model built around device sales, prepaid plan activations, and customer service. The usual format is a standalone or strip mall inline location selected with help from Ameritel's real estate assistance program. That support includes location search services, lease negotiation assistance, and buildout coordination. Training includes certified T Mobile sales and product programs, new hire protocols, and ongoing business development activity lasting more than 20 days per month. Field representatives provide continuing guidance as carrier programs, device lineups, and promotional pricing change. Ameritel assigns territories for T Mobile and Metro by T Mobile branded opportunities. T Mobile store opportunities are currently available in New York, Pennsylvania, Virginia, Georgia, and Florida. Metro PCS store opportunities are available in New York, New Jersey, Connecticut, and Maryland. Territories are geographically defined and exclusive, giving operators a protected market area. CEO Mr. Yanovitch has been described by franchise partners as very hands on and great to work with since at least 2012. New locations typically become operational within one to three months after lease signing.
The United States wireless telecommunications market, valued at $170 billion, supplies the broader revenue context. Ameritel stated that its dealer network exceeded 3,500 partners as of mid 2018, and the company opened more than 145 new retail locations during the first six months of 2018. That level of expansion may indicate demand, franchisee satisfaction, and brand momentum, although it does not replace unit level financial data. The carrier subsidized handset model differs from ordinary wholesale and retail inventory sales. Franchisees operate within carrier economics that can include activation commissions, residual income from continuing plan payments, and performance bonuses tied to activation volume thresholds. Recurring prepaid activations can create a more predictable transaction pattern than one time purchase retail models. Prospective investors should request detailed unit level information from existing Ameritel franchise partners under FDD validation protocols. They should also consider an independent accountant or franchise attorney when modeling revenue and margin scenarios using comparable wireless retail benchmarks, industry association data, and carrier published dealer performance metrics.
Ameritel began with one beeper and pager retail location in 1996 and expanded over more than two decades to a footprint of 155 corporate T Mobile stores and 125 MetroPCS Exclusive stores by mid 2018. At that time, the company also managed a wholesale dealer network of more than 3,500 partner locations across the United States. More than 145 new retail locations opened during the first half of 2018, an annualized pace of nearly 300 new locations per year if sustained. That pace could expand the system's geographic coverage and brand presence within the T Mobile authorized dealer network. Distribution infrastructure in New York, Georgia, and California supports logistics and operating oversight across three of the country's largest retail markets, as well as nearby states with relatively low additional overhead. Ameritel's position rests on its master agent status with T Mobile and Metro by T Mobile, which provides access to retail, wholesale, and bulk pricing tiers unavailable to non authorized dealers. The company also has an established real estate and buildout process that can reduce the time and cost of opening locations. Its co op marketing relationship with T Mobile provides up to $45,000 per month in promotional support for new store openings, a resource independent wireless retailers could not access. T Mobile's merger with Sprint and nationwide 5G infrastructure buildout strengthen the carrier platform serving authorized dealers. As 5G adoption grows and device replacement cycles become shorter, device sales may benefit from increased upgrade demand over the next several years.
A suitable Ameritel candidate is an operationally involved owner operator with retail management experience, the ability to lead and motivate frontline sales staff, and enough capital reserves to cover the projected six month period before positive cash flow. Previous wireless industry experience is helpful but not formally required. Ameritel's certified T Mobile training programs and more than 20 days per month of continuing business development support are intended to teach operators about carrier programs, device specifications, and promotional strategies. Multi unit ownership is a possible path within the system. T Mobile territories in New York, Pennsylvania, Virginia, Georgia, and Florida, along with Metro PCS territories in New York, New Jersey, Connecticut, and Maryland, provide an expansion map for operators who perform well at their first location. Investors considering the New England regional program through Ameritel of New England can pursue opportunities in Connecticut, Massachusetts, New Hampshire, New York, and Rhode Island, with a minimum cash requirement of $75,000 compared with $100,000 for the standard opportunity. The one to three month period from signing to opening can allow a qualified candidate to move from an initial inquiry to operating status within one quarter. Transfer and resale matters in wireless retail franchise systems generally depend on carrier approval of the incoming authorized dealer. Prospective investors should clarify those requirements with Ameritel's franchise development team during due diligence.
Ameritel offers a telecommunications retail model with a total investment range of $40,000 to $150,000 and authorized dealer access to a $170 billion wireless market. The company has operated for more than 25 years and has more than 3,500 dealer partners nationwide. Those features may appeal to investors with retail management experience who want exposure to telecommunications without the cost structure found in many traditional franchise categories. The PeerSense Loan Activity Score is 39, rated Fair. A franchise commitment of this size warrants analysis beyond the franchisor's marketing materials. PeerSense provides independent due diligence information that includes SBA lending history, the Loan Activity Score, location maps with Google ratings, FDD financial data, and comparison tools. These resources allow buyers to compare Ameritel with other wireless retail opportunities and with franchise businesses in additional categories. PeerSense is a commercial capital advisory firm that introduces franchise buyers to SBA and conventional lenders. It is not a lender, and it does not fund or approve loans. Buyers can use the Ameritel franchise profile to review the available franchise intelligence while assessing territory, capital needs, operating assumptions, and the financial information they should verify directly.
Loan Activity Score
39/100
SBA Default Rate
0.0%
Active Lenders
2
Franchising since 1996 · 2 locations
2
2 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Ameritel
2
Total SBA loans
$1.7M
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Ameritel
Loan Activity Score Breakdown
New or niche (1 to 2 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
0.0%
vs 10.3% peer avg
SBA Loans
2
Total Volume
$3.3M
Active Lenders
2
States
2
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Ameritel based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
2 loans
Across 2 lenders
Lender Diversity
2 lenders
Avg 1.0 loans per lender
Ameritel: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2011
1 approval. The best year on record for Ameritel.
Top SBA State
Colorado
1 SBA financed Ameritel locations, the densest operator footprint.
Average Loan Size
$1.7M
Median $1.7M. Use as a sizing anchor when modeling your own Ameritel unit.
Lender Concentration
100%
Concentrated
Share of Ameritel approvals captured by the top 3 SBA lenders.
Ameritel's SBA lending pipeline peaked in 2011 (1 approval). Operator density is highest in Colorado with 1 SBA financed locations. Average funded ticket sits at $1.7M, with the median at $1.7M. Lender mix is concentrated: the top three SBA lenders account for 100% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$5,176
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Ameritel, unit breakdown
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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