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Big Cheese Piza

Big Cheese Piza

The total investment to open a Big Cheese Piza franchise ranges from $196,500 to $419,000. The initial franchise fee is $25,000. Ongoing royalties are 8%.

What is the Big Cheese Piza franchise?

Big Cheese Piza was created by Scott and Kim Capman, who launched Big Cheese Pizza Franchising Systems in June 2000 and headquartered the company in Henderson, North Carolina, 27536. Together, the Capmans brought more than 40 years of experience in fast food and pizza operations, including work with larger national chains. That background shaped their view that major pizza brands left room for better ingredients and fresher preparation. Their model calls for dough, cheese blend, and sauce to be prepared fresh in each store every day. The approach became the basis for the "Fresh and Ready" program, introduced in 2001 and still central to the franchise model. As of 2026, the system has 9 franchised units in the United States, placing it in the early stage of franchise development while leaving most premium geographic territories unclaimed. The figures reflect a lean, founder led growth model rather than a venture backed expansion strategy. The brand remains small, but it operates in a U.S. pizza industry valued at $46.9 billion in 2022, giving prospective franchisees access to a large category with substantial room for additional locations.

The global pizza market was valued at USD 161.8 billion in 2025 and is projected to reach USD 235.0 billion by 2034, with a compound annual growth rate of 4.10% from 2026 to 2034. A separate industry estimate places the market at USD 225.61 billion in 2025 and projects growth to USD 307.01 billion by 2032 at a CAGR of 4.5%. The broader pizza foodservice segment is expected to increase from USD 144.08 billion in 2025 to USD 158.93 billion in 2026, then reach USD 257.17 billion by 2031, representing a 10.10% CAGR over that five year period. North America held approximately 40.2% of global pizza market share in 2025 and is the main operating region for Big Cheese Piza. Demand is supported by convenient ready to eat meals, online ordering, third party delivery integration, and interest in fresh, locally sourced, higher quality ingredients. Nearly 40% of surveyed consumers said they would pay a premium for pizzas made with superior components. Fast casual dining, the segment most similar to the Big Cheese Piza model, is growing at approximately 10% annually. Full service restaurants held an estimated 43.6% share of the pizza market in 2025. These market figures support the category's growth, but they do not ensure that an individual location will perform well.

The initial Big Cheese Piza franchise fee is $25,000. The company offers discounted rates for multi unit and Master Franchise arrangements, which may reduce the fee for operators planning several territories. Estimated initial investment ranges from $196,500 for a base carry out unit to $419,000 for a free standing full service unit. The $222,500 difference reflects variations in format, real estate, construction, and equipment. The lower investment is below the total cost often associated with food service franchises, where established national brands can require more than $500,000 to $1,000,000. Required liquid capital is $250,000, and the minimum net worth requirement is $1,000,000. That cap is below the 6% to 8% royalty rates common among large national pizza franchisors. The company also promotes low royalty and advertising rates. For a buyer, the $25,000 franchise fee, maximum initial investment of $419,000, and royalty cap of 5% should be reviewed alongside the added risks of a young franchise system.

Big Cheese Piza expects franchisees to work in their stores daily. The owner operator model is intended to support food quality, cleanliness, and customer service, so it is not designed as an absentee investment. The Fresh and Ready program requires each location to prepare dough, cheese blend, and pizza sauce fresh on site instead of using pre made ingredients distributed from a central source. This supports the brand's quality position, but it also requires consistent daily work from the franchisee and staff. An integrated Point of Sale system helps operators anticipate demand, limit food waste, and manage food costs. Training includes at least two weeks of on site grand opening assistance. The company describes its training as flexible and economical, with an emphasis on reaching operational readiness while covering core procedures. Franchisees receive operations and training manuals and join a franchise system supported by more than 40 years of industry experience. The company also points to premium markets that remain available across a broad geographic area. That access differs from larger systems in which desirable territories may already be assigned. Staffing remains a demanding part of pizza restaurant operations, making owner involvement and a lean, well managed team important considerations.

Buyers therefore need to use available company figures, industry benchmarks, the complete FDD, and conversations with current franchisees when assessing unit economics. The company reports approximately $8 million in total revenue. The U.S. pizza industry was valued at $46.9 billion in 2022. Full service pizza concepts commonly report food costs of 28% to 35% and labor costs of 25% to 35%, leaving margins that depend on sales volume and close expense control. Actual results vary with location, lease terms, staffing efficiency, and local pricing power. Big Cheese Piza's quality strategy may support higher average checks and repeat visits if stores execute it consistently, which could affect the time required to recover the initial investment. Buyers should request the complete FDD and speak directly with existing franchisees before estimating returns.

The system's growth has been measured rather than based on rapid, capital intensive expansion. Big Cheese Piza had 9 franchised units as of 2026, after developing over 25 years from its June 2000 founding. The company describes itself as "small but growing" and presents its current size as an advantage for buyers seeking premium territories that may be unavailable in a more mature system. Its operating position rests on the Fresh and Ready model, the POS system's demand forecasting support, and more than 40 years of combined pizza and fast food experience among the founders and support team. Scott Capman's experience inside larger national pizza franchise systems also influenced the company's training, operations manuals, and franchisee support structure. That experience gave the company a view of franchisee concerns involving royalty structures, menu restrictions, and territory support. The global full service restaurant market reached USD 15.38 billion in 2025 and is projected to reach USD 23.22 billion by 2035 at a 4.21% CAGR. The fast casual and quality focused pizza segment is growing at approximately 10% annually. Consumer willingness to pay more for better ingredients supports the pricing rationale behind the Fresh and Ready program, although execution at the store level remains essential.

The preferred Big Cheese Piza candidate is an owner operator who can remain closely involved, especially during the first years of business. The company favors daily owner presence because the Fresh and Ready process depends on consistent preparation, customer service, and staff accountability. Restaurant operations, retail management, or food service experience may help, but the company does not describe pizza specific experience as mandatory. The two week minimum on site training program and operations manuals are intended to help qualified operators reach a functional level of competency. Financial requirements include a minimum net worth of $1,000,000 and liquid capital of $250,000. These thresholds require meaningful balance sheet strength and may reduce the risk associated with opening without sufficient working capital. Premium markets are available across the United States, giving qualified candidates more territory choice than they may find in a saturated system with 500 or more units. Multi unit and Master Franchise arrangements are available with discounted initial franchise fee rates. Before investing, buyers should review the franchise agreement and renewal terms in the current FDD, including the provisions that govern the long term relationship, territory exclusivity, and renewal conditions.

The Big Cheese Piza opportunity combines a royalty structure that caps at 5%, a fresh ingredient model, an initial investment range of $196,500 to $419,000, and access to premium territories in a 9 unit system. The broader category includes a global pizza market valued at USD 161.8 billion in 2025, projected to grow at a 4.10% CAGR through 2034. North America represented 40.2% of global market share, while the U.S. pizza industry was valued at $46.9 billion in 2022. The system's small size leaves room for territory development, but it also means buyers should assess the brand's operating history, support resources, and unit economics carefully. Big Cheese Piza's Loan Activity Score is 44, rated Fair, which reflects the early stage of the system. PeerSense is a commercial capital advisory firm that introduces franchise buyers to SBA and conventional lenders. PeerSense is not a lender and does not approve or provide loans. Buyers can use independent franchise research and financing guidance to compare Big Cheese Piza with other pizza and full service restaurant opportunities before making a capital commitment.

Loan Activity Score

44/100

SBA Default Rate

0.0%

Active Lenders

1

According to its Franchise Disclosure Document or public business records, Big Cheese Piza has 1 location, all owned by franchisees. Public SBA loan records show 1 lender made 1 loan to franchisees of Big Cheese Piza. PeerSense calculates Big Cheese Piza's score as 44 out of 100, using public SBA loan performance and recent lending activity.

Franchising since 2000 · 1 location

Investment

$196,500 to $419,000

Franchise Fee

$25,000

Total Units

1

1 franchised

Loan Activity Score
Low
44
SBA Lending
18
Lender Quality
9
Transparency
2
Reach
3
Momentum
12

Proprietary PeerSense metric

Fair
Capital Sources
1SBA lenders

Distinct lenders in public SBA records for Big Cheese Piza

1

Total SBA loans

$70K

Average loan size

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

Referral fee at closing

SBA Lending Activity for Big Cheese Piza

Loan Activity Score Breakdown

New or niche (1 to 2 loans)

Limited Data
44out 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 Confidence9/15

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 10.3% peer avg

SBA Loans

1

Total Volume

$0.1M

Active Lenders

1

1 selective

States

1

vs. SBA Sector Average

+10.3%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 Big Cheese Piza based on SBA lending data

SBA Default Rate

0.0%

10.3% below peer avg

SBA Loan Volume

1 loans

Across 1 lender

Lender Diversity

1 lender

Avg 1.0 loans per lender

Investment Tier

Significant investment

$196,500 to $419,000 total

Big Cheese Piza: 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

1 approval. The best year on record for Big Cheese Piza.

Top SBA State

New Mexico

1 SBA financed Big Cheese Piza locations, the densest operator footprint.

Average Loan Size

$70K

Median $70K. Use as a sizing anchor when modeling your own Big Cheese Piza unit.

Lender Concentration

100%

Concentrated

Share of Big Cheese Piza approvals captured by the top 3 SBA lenders.

Big Cheese Piza's SBA lending pipeline peaked in 2004 (1 approval). Operator density is highest in New Mexico with 1 SBA financed locations. Average funded ticket sits at $70K, with the median at $70K. 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$157K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$2,034

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

Big Cheese Piza, unit breakdown

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

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Big Cheese Piza

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