Apple Spice Junction
The total investment to open a Apple Spice Junction franchise ranges from $96,500 to $372,580. The initial franchise fee is $49,000. Ongoing royalties are 6%.
What is the Apple Spice Junction franchise?
Apple Spice Junction is a restaurant offering meals to customers seeking convenient service. The estimated initial investment is $96,500 to $372,580, and the initial franchise fee is $49,000.
The royalty is 6 percent of sales. The franchise agreement term is 10 years.
The company is headquartered in Plano, TX, and was founded in 1988.
Loan Activity Score
23/100
SBA Default Rate
31.3%
Active Lenders
12
According to its Franchise Disclosure Document or public business records, Apple Spice Junction has 10 locations, all owned by franchisees. Public SBA loan records show 12 lenders made 16 loans to franchisees of Apple Spice Junction. PeerSense calculates Apple Spice Junction's score as 23 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1988 · 10 locations
$96,500 to $372,580
$49,000
10
10 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Apple Spice Junction
16
Total SBA loans
$248K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Apple Spice Junction
Loan Activity Score Breakdown
Growing (10 to 24 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
31.3%
vs 10.3% peer avg
SBA Loans
16
Total Volume
$4.0M
Active Lenders
12
1 selective
States
12
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 Apple Spice Junction based on SBA lending data
SBA Default Rate
31.3%
21.0% above peer avg
SBA Loan Volume
16 loans
Across 12 lenders
Lender Diversity
12 lenders
Avg 1.3 loans per lender
Investment Tier
Mid range investment
$96,500 to $372,580 total
Apple Spice Junction: 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
2004
6 approvals. The best year on record for Apple Spice Junction.
Top SBA State
Texas
3 SBA financed Apple Spice Junction locations, the densest operator footprint.
Average Loan Size
$241K
Median $250K. Use as a sizing anchor when modeling your own Apple Spice Junction unit.
Lender Concentration
31.6%
Moderately Spread
Share of Apple Spice Junction approvals captured by the top 3 SBA lenders.
Apple Spice Junction's SBA lending pipeline peaked in 2004 (6 approvals). Operator density is highest in Texas with 3 SBA financed locations. Average funded ticket sits at $241K, with the median at $250K. Lender mix is moderately spread: the top three SBA lenders account for 31.6% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$999
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
Apple Spice Junction, 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