Arthur Treacher's
The total investment to open a Arthur Treacher's franchise ranges from $35,200 to $93,800. The initial franchise fee is $40,000.
What is the Arthur Treacher's franchise?
Arthur Treacher's is a quick service restaurant offering seafood meals to customers. The estimated total initial investment is $35,200 to $93,800, and the initial franchise fee is $40,000.
The brand's headquarters are in Houston, Texas.
Loan Activity Score
19/100
SBA Default Rate
32.0%
Active Lenders
13
According to its Franchise Disclosure Document or public business records, Arthur Treacher's has 19 locations, all owned by franchisees. Public SBA loan records show 13 lenders made 25 loans to franchisees of Arthur Treacher's. PeerSense calculates Arthur Treacher's's score as 19 out of 100, using public SBA loan performance and recent lending activity.
19 locations
$35,200 to $93,800
$40,000
19
19 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Arthur Treacher's
25
Total SBA loans
$80K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Arthur Treacher's
Loan Activity Score Breakdown
Established (25 to 99 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
32.0%
vs 10.3% peer avg
SBA Loans
25
Total Volume
$2.0M
Active Lenders
13
States
5
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 Arthur Treacher's based on SBA lending data
SBA Default Rate
32.0%
21.7% above peer avg
SBA Loan Volume
25 loans
Across 13 lenders
Lender Diversity
13 lenders
Avg 1.9 loans per lender
Investment Tier
Low cost entry
$35,200 to $93,800 total
Arthur Treacher's: 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
1994
8 approvals. The best year on record for Arthur Treacher's.
Top SBA State
Texas
10 SBA financed Arthur Treacher's locations, the densest operator footprint.
Average Loan Size
$80K
Median $64K. Use as a sizing anchor when modeling your own Arthur Treacher's unit.
Lender Concentration
56%
Concentrated
Share of Arthur Treacher's approvals captured by the top 3 SBA lenders.
Arthur Treacher's's SBA lending pipeline peaked in 1994 (8 approvals). Operator density is highest in Texas with 10 SBA financed locations. Average funded ticket sits at $80K, with the median at $64K. Lender mix is concentrated: the top three SBA lenders account for 56% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$364
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
Arthur Treacher's, 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