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BD Provisions

BD Provisions

According to its Franchise Disclosure Document or public business records, BD Provisions has 1 location, all owned by franchisees. Public SBA loan records show 1 lender made 1 loan to franchisees of BD Provisions. PeerSense calculates BD Provisions's score as 38 out of 100, using public SBA loan performance and recent lending activity.

What is the BD Provisions franchise?

Bd Provisions is a specialty food retail venture built around local ownership, sustainable consumption, and community engagement. Food entrepreneurs established the company in early 2018 to serve demand for environmentally conscious shopping, with bulk goods, zero waste retail, curated local food, pantry staples, organic produce, artisanal goods, and household products without unnecessary packaging. The first store opened in Portland, Oregon, and developed a loyal following that supported the retail model. By late 2019, the company decided to expand through an agency style franchise opportunity. The franchise model formally launched in early 2020 for people seeking a business connected to environmental goals. The headquarters remains in Portland and handles product development, supply chain management, and franchisee support. As of mid 2023, CEO Eleanor Vance leads the founding leadership team and guides expansion and brand development. Bd Provisions emphasizes quality, transparency, waste reduction, ethical sourcing, and environmental stewardship throughout its supply chain and customer experience. Each location is intended to build local ties and serve customers who value those practices. The company’s growth since its founding supports plans for expansion in urban and suburban markets, while its position in sustainable specialty food retail gives buyers a defined market focus.

The specialty food retail industry includes categories such as All Other Specialty Food Stores under NAICS Code 445299. In the United States, the estimated total addressable market was approximately $190 billion as of 2024, with a projected compound annual growth rate of 6.8% through 2029. Growth has exceeded conventional grocery retail as consumers place greater value on health, sustainability, ethical consumption, organic and natural products, local and artisanal goods, and zero waste shopping. Customers are also showing greater interest in shopping experiences that are mindful and personalized. Metropolitan areas and affluent suburbs are key target markets because they often include customers seeking specialty food products and community based retail. Inventory management systems, online ordering platforms, and loyalty programs are improving store operations and customer engagement. Current preferences include clear sourcing information, sustainable packaging, and in store experiences that combine convenience with community. Reports cited in the source indicate a 15% increase in household penetration for organic products between 2021 and 2024. Plant based food sales in specialty stores have grown 10% annually over the last three years. These trends support continued demand for specialty food retailers, and Bd Provisions is designed around quality, sustainability, and community focused shopping.

A standard single unit Bd Provisions franchise typically carries an initial franchise fee of $45,000 to $60,000, payable upfront when the franchise agreement is signed. The estimated total initial investment is $280,000 to $550,000, including build out, equipment, and initial working capital. The stated minimum investment is $250,000. That amount covers items such as leasehold improvements, bulk dispensers, shelving, refrigeration for perishable goods, a point of sale system, and opening inventory. Infrastructure is a significant expense. Design and construction can include custom millwork for bulk stations, energy efficient lighting, and environmentally friendly finishes, with expected costs of $100,000 to $200,000 depending on the leased space and local building codes. Agents should budget $20,000 to $40,000 each year for local marketing, including digital advertising, community events, and local print promotions. Working capital should cover 4 to 7 months of operating expenses, estimated at $50,000 to $100,000 for opening payroll, operating costs, and unexpected expenses during the ramp up period. The ongoing royalty is 6% of gross revenues. A national brand fund contribution of 2% of gross revenues supports system wide marketing and advertising. The source identifies no other significant recurring fees.

Bd Provisions provides three weeks of initial training at the corporate headquarters and a designated training store. Training addresses product sourcing, specialty inventory management, point of sale use, food safety, sustainable retail practices, customer service, and local marketing. Quarterly refresher courses and advanced workshops cover product trends, operating efficiency, and customer engagement. Franchisees receive an online knowledge base and a peer network forum for sharing practices. National brand building includes digital marketing, public relations, and partnerships with sustainability focused organizations. A local marketing toolkit provides customizable digital advertisements, social media content, in store promotions, and community outreach materials. Operating support includes site selection, store layout and design, preferred vendor relationships for bulk and specialty products, and proprietary inventory software intended to manage stock and reduce waste. Operations managers provide field support through regular visits, performance coaching, and help with operating issues. A centralized customer support center handles general inquiries, while technical support is available for point of sale and inventory systems. The company uses demographic analysis to identify urban and suburban markets with health conscious consumers, community involvement, and interest in sustainable living.

Results depend on store size, local demographics, local marketing, and operating efficiency. The model points to specialty items and bulk sourcing as potential contributors to margins, but actual results depend on following the operating model, engaging with the community, and managing inventory to limit waste and preserve freshness. Foot traffic, competition, and the ability to build customer loyalty through service also affect performance. The investment is intended to create a premium retail setting that attracts and retains a specialty food customer base. Across the broader specialty food market, consumer spending has increased 5% to 7% annually over the past five years. These figures are hypothetical, and actual performance will vary by location and operator.

Bd Provisions currently has 1 unit. Its expansion plan calls for 5 to 10 new franchise units each year over the next five years, with an initial focus on urban and high density suburban markets across the United States. The long term plan may include international markets within the next decade, particularly regions with interest in sustainable, health conscious, and community centered food retail. The concept’s main points of differentiation include bulk and zero waste shopping, a curated selection of high quality local and organic products, and support covering training, operations, and marketing. Partnerships with local farmers, artisanal producers, and sustainable suppliers are intended to provide distinctive products and strengthen supply access. Product selection, retail technology, and customer engagement practices are expected to continue changing as consumer preferences change. The brand’s public image is connected to environmental stewardship, community support, transparent practices, and participation in local initiatives. These features give Bd Provisions a defined position within specialty food retail and support its stated plans for domestic expansion and future international exploration.

The intended franchisee combines entrepreneurial interest with a commitment to sustainable living and community participation. Relevant experience may include business management, retail operations, or food service, along with knowledge of inventory control, customer service, and team leadership. Candidates should have a genuine interest in organic, local, and bulk food products and be willing to promote environmentally friendly consumption. Financial qualifications include a minimum investment of $250,000, a net worth of at least $500,000, and liquid assets of $150,000. The company also values communication skills, practical problem solving, customer service, staff management, supplier relationships, and participation in community events. Preferred territories are urban and affluent suburban markets with educated, health conscious residents who have disposable income, interest in sustainable practices, and an active local community. Markets with farmers' markets, independent cafes, and appreciation for artisanal goods are particularly attractive. Bd Provisions uses demographic and psychographic analysis to evaluate visibility, accessibility, and market saturation when selecting territories. The goal is to give each unit an opportunity to become a recognized part of its local community.

Bd Provisions offers an entry into specialty food retail, where consumer demand is increasing for sustainable, high quality, and ethically sourced products. Its operating framework includes a defined retail concept, training, marketing resources, and continuing operational support. Continued work on product selection and retail technology is intended to keep the concept relevant as customer preferences change. The Loan Activity Score is 38, which may indicate areas for improvement or an early stage of franchise development and makes detailed due diligence necessary. It may also give early operators an opportunity to develop with a brand addressing food, sustainability, and community concerns. Buyers should assess the stated investment, financial projections, territory plan, support structure, and their own operating experience before proceeding. The complete Bd Provisions franchise profile on PeerSense includes the available independent franchise intelligence data.

Loan Activity Score

38/100

SBA Default Rate

0.0%

Active Lenders

1

Franchising since 2018 · 1 location

Total Units

1

1 franchised

Loan Activity Score
Low
38
SBA Lending
18
Lender Quality
3
Transparency
2
Reach
3
Momentum
12

Proprietary PeerSense metric

Fair
Capital Partners
1SBA lenders

Distinct lenders in public SBA records for BD Provisions

1

Total SBA loans

$150K

Average loan size

Source: public SBA 7(a) and 504 loan records through December 31, 2025

Referral fee at closing

SBA Lending Activity for BD Provisions

Loan Activity Score Breakdown

New or niche (1 to 2 loans)

Limited Data
38out of 100
Fair
Market Momentum12/35

Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.

Loan Safety18/25

Blended default rate (recent + all time) compared to NAICS sector peers.

Lender Confidence3/15

Quality lenders actively backing this brand, with penalty for lender pullback.

Transparency2/15

FDD availability, Item 19 disclosure, and overall data completeness.

Footprint3/10

Geographic spread of SBA funded locations across states.

SBA Lending Performance

SBA Default Rate

0.0%

vs 9.4% peer avg

SBA Loans

1

Total Volume

$0.1M

Active Lenders

1

States

1

vs. SBA Sector Average

+9.4%lower default rate

SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors

Key Highlights

Low SBA default rate (0.0%)

Data Insights

Key performance metrics for BD Provisions based on SBA lending data

SBA Default Rate

0.0%

9.4% below peer avg

SBA Loan Volume

1 loans

Across 1 lender

Lender Diversity

1 lender

Avg 1.0 loans per lender

BD Provisions: 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

2020

1 approval. The best year on record for BD Provisions.

Top SBA State

Connecticut

1 SBA financed BD Provisions locations, the densest operator footprint.

Average Loan Size

$150K

Median $150K. Use as a sizing anchor when modeling your own BD Provisions unit.

Lender Concentration

100%

Concentrated

Share of BD Provisions approvals captured by the top 3 SBA lenders.

BD Provisions's SBA lending pipeline peaked in 2020 (1 approval). Operator density is highest in Connecticut with 1 SBA financed locations. Average funded ticket sits at $150K, with the median at $150K. 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

Loan Amount$400K
Interest Rate9.5%
Term (Years)10 yr

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

BD Provisions, unit breakdown

Total Units
N/A
Franchisee Owned
n/a
System Owned
n/a
Closed
n/a

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BD Provisions

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; 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