Bellacino’s Pizza & Grinders
The total investment to open a Bellacino’s Pizza & Grinders franchise ranges from $270,500 to $422,190. The initial franchise fee is $30,000. Ongoing royalties are 4% plus a 1% advertising fee.
What is the Bellacino’s Pizza & Grinders franchise?
Bellacino’s Pizza & Grinders is a restaurant serving pizza and grinders to people dining in. Estimated total initial investment is $270,500 to $422,190, and the initial franchise fee is $30,000.
The ongoing royalty is 4 percent of sales, and the advertising or brand fund fee is 1 percent. The franchise agreement term is 10 years.
The company was founded in 1993 and is headquartered in Portage, Michigan.
Loan Activity Score
18/100
SBA Default Rate
38.2%
Active Lenders
23
According to its Franchise Disclosure Document or public business records, Bellacino’s Pizza & Grinders has 25 locations, all owned by franchisees. Public SBA loan records show 23 lenders made 34 loans to franchisees of Bellacino’s Pizza & Grinders. PeerSense calculates Bellacino’s Pizza & Grinders's score as 18 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1993 · 25 locations
$270,500 to $422,190
$30,000
25
25 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Bellacino’s Pizza & Grinders
34
Total SBA loans
$239K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Bellacino’s Pizza & Grinders
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
38.2%
vs 10.3% peer avg
SBA Loans
34
Total Volume
$8.1M
Active Lenders
23
1 selective
States
10
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 Bellacino’s Pizza & Grinders based on SBA lending data
SBA Default Rate
38.2%
27.9% above peer avg
SBA Loan Volume
34 loans
Across 23 lenders
Lender Diversity
23 lenders
Avg 1.5 loans per lender
Investment Tier
Significant investment
$270,500 to $422,190 total
Payment Estimator
Estimated Monthly Payment
$2,800
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
Bellacino’s Pizza & Grinders, 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