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Rates
BIGGBY Coffee

BIGGBY Coffee

Franchising since 1995 · 194 locations

The total investment to open a BIGGBY Coffee franchise ranges from $296,250 - $1.0M. The initial franchise fee is $20,000. Ongoing royalties are 6% plus a 3% advertising fee. BIGGBY Coffee currently operates 194 locations (194 franchised). PeerSense FPI health score: 75/100. Data sourced from the 2026 Franchise Disclosure Document.

Investment

$296,250 - $1.0M

Franchise Fee

$20,000

Total Units

194

194 franchised

FPI Score
Very_high
75

Proprietary PeerSense metric

Strong
Capital Partners
70lenders available

Active capital sources verified for BIGGBY Coffee financing

SBA

7(a) Eligible

21d

Avg Funding

P+2.25%

Best Rate

No retainers · Referral fee at closing

FPI Score Breakdown

Major Brand (100+ loans)

Very High Confidence
75out of 100
Strong

SBA Lending Performance

SBA Default Rate

1.0%

3 of 289 loans charged off

SBA Loans

289

Total Volume

$79.9M

Active Lenders

70

States

12

What is the BIGGBY Coffee franchise?

Entrepreneurs considering entry into the dynamic snack and non-alcoholic beverage bar industry often grapple with the critical decision of selecting a franchise that offers a proven model, robust support, and a clear trajectory for success. The landscape is replete with options, yet few brands demonstrate the blend of community focus, aggressive growth, and transparent financial performance found in BIGGBY Coffee. Founded in March 1995 by Bob Fish and Mary Roszel in East Lansing, Michigan, the company initially operated as "Beaner's Coffee," opening its first location in April 1995 on Grand River Avenue. Michael McFall joined the enterprise in 1996 as a barista, quickly ascending to co-owner status by 1997, a pivotal moment that led to the strategic decision to franchise the concept in 1999. The brand underwent a significant transformation between 2007 and 2008, officially rebranding to BIGGBY Coffee to address concerns regarding the original name's potentially derogatory connotations, solidifying its commitment to an inclusive culture. Headquartered in East Lansing, Michigan, BIGGBY Coffee is a privately owned entity operating under a 100% franchised business model, a structure that inherently dedicates all corporate resources to fostering franchisee success. This commitment is guided by the co-founders, Bob Fish and Michael McFall, who serve as Co-CEOs and Co-Visionaries, ensuring direct involvement in upholding the brand's core philosophy established in 1995: "love people and share great coffee." This foundational purpose has evolved to "BIGGBY® COFFEE exists to support franchisees, employees and customers in building a life they love," a principle reinforced by a refined visual identity introduced in 2024, anchored by the tagline "BIGGBY® Makes it Better," emphasizing consistent quality and human connection. As of October 2025, BIGGBY Coffee had expanded its footprint to 430 stores across 13 states, demonstrating remarkable growth from its earlier operational milestone of 194 total franchised units. The brand closed out 2025 with over 460 locations, having opened 47 new stores that year, positioning itself as a rapidly expanding force within the multi-billion dollar U.S. coffee and beverage market, which itself represents a significant segment of the broader snack and non-alcoholic beverage bar industry.

The total addressable market for snack and non-alcoholic beverage bars in the United States continues to exhibit robust expansion, driven by shifting consumer preferences and lifestyle changes. This thriving industry, valued at tens of billions of dollars annually, benefits from several powerful secular tailwinds that create a compelling environment for franchise investment. Key consumer trends include an increasing demand for convenience, particularly evident in the prevalence of drive-thru services, which cater to busy lifestyles and aging vehicles, minimizing dwell time for customers. Furthermore, a growing health consciousness influences menu innovation, with consumers seeking customizable options that align with their dietary preferences, while the rise of remote work has transformed coffee shops into essential "third places" for community connection, casual meetings, and focused work outside the home. These factors collectively fuel sustained demand for premium non-alcoholic beverages and grab-and-go food items. The industry's competitive dynamics are characterized by a blend of highly fragmented independent operators and increasingly consolidated national chains, creating both challenges and opportunities for brands like BIGGBY Coffee. Its strategic focus on a community-first approach and efficient operating models allows it to carve out a distinct niche. Macroeconomic forces such as stable consumer spending on discretionary items and a persistent desire for accessible, high-quality experiences further bolster the attractiveness of this sector for prospective franchisees. The resilience of the coffee and beverage segment, often performing well even during economic fluctuations, underscores its appeal as a stable investment within the broader franchise landscape.

Investing in a BIGGBY Coffee franchise requires a comprehensive understanding of the associated financial commitments, which are transparently detailed in its 2025 Franchise Disclosure Document. The initial franchise fee is set at $20,000, a competitive figure within the food and beverage franchise category, often ranging from $25,000 to $50,000 for comparable concepts. Notably, BIGGBY Coffee offers a reduced initial franchise fee of $10,000 for active or honorably discharged military members, as well as for existing franchisees looking to expand their portfolio with additional locations, underscoring a commitment to growth and veteran support. The estimated total initial investment for a BIGGBY Coffee franchise spans a significant range from $296,250 to $1,011,500, reflecting the diverse store models available and their varying construction and operational requirements. This range delineates into specific models: a whitebox leasehold model, typically a lobby-only or lobby with drive-thru in a strip mall, requires an investment between $296,250 and $658,000. For a modular location, which consists of a pre-fabricated building primarily featuring a drive-thru, the investment ranges from $533,500 to $949,000. The site-built location model, involving new construction on an approved site for a lobby and drive-thru or drive-thru only, represents the highest investment tier, from $412,972 to $1,011,500. This flexibility in models allows franchisees to select an option that aligns with their capital availability and market strategy, positioning BIGGBY Coffee as a mid-to-high tier franchise opportunity. Earlier data from 2013 indicated that a redesign effort successfully reduced build-out costs to an average of $208,000 to $238,000, down from over $300,000, highlighting the brand's continuous effort to optimize investment efficiency. Other sources provide slightly different overall investment ranges, such as $189,550 to $378,600 or $202,450 to $418,700 for 2026, and $328,000-$591,000, further illustrating the dynamic nature of these figures. The detailed breakdown of initial investment costs from the 2025 FDD includes significant components such as construction costs ranging from $226,472 to $712,000, equipment, furniture, and décor between $86,000 and $114,000, and architectural and engineering fees from $18,000 to $20,000. Additional expenses cover building permits ($8,500 - $15,000), signage ($13,000 - $30,000), real property rental or license ($6,000 - $18,500), and initial inventory ($10,000 - $15,000). Prospective franchisees are also required to allocate funds for insurance ($1,500 - $2,000), utility expenses ($500 - $5,000), licenses, permits, and other fees ($1,000 - $3,000), an initial advertising and grand opening promotions budget of $9,500, and miscellaneous travel and living for training ($500 - $5,000). Organizational expenses are estimated at $2,000 to $2,500, with an essential allocation of $10,000 to $40,000 for additional funds to cover the first three months of operation, providing a crucial liquidity buffer. Financial requirements for franchisees include a net worth requirement of $400,000. Liquid capital required ranges from $70,000 to $115,000 (minimum), or $50,000-$100,000, and potentially $100,000-$200,000, representing 30-40% of the total investment, ensuring franchisees possess adequate immediate capital. Ongoing fees comprise a royalty of 6% of gross sales per day, an advertising fund contribution which is the greater of $100 or 3% of gross sales per week, and a minimum local advertising expenditure of up to 3% of gross sales per month. These ongoing fees are standard within the franchising industry and support the brand's continuous development and marketing efforts.

The BIGGBY Coffee operating model is meticulously designed for efficiency and profitability, centering on a streamlined business process and a simple menu engineered for speed, which directly contributes to maximizing unit-level financial performance and maintaining low ongoing costs. Franchisees engage in daily operations that prioritize rapid service, high-quality product delivery, and a consistent customer experience, embodying the brand's "love people and share great coffee" philosophy. The labor model, while not explicitly detailed in terms of specific staffing numbers, is optimized by the simple menu and efficient workflow, allowing for effective management of personnel. BIGGBY Coffee offers distinct format options to suit various market conditions and investment levels. These include the whitebox leasehold model, which can be a lobby-only configuration or a lobby combined with a drive-thru, typically situated in a strip mall or similar empty commercial space. The modular location model features a pre-fabricated building designed exclusively for drive-thru service, capitalizing on convenience-driven consumer demand. Additionally, the site-built location model involves constructing a custom building on an approved site, offering either a lobby and drive-thru or a drive-thru-only setup, providing maximum flexibility for real estate development. Comprehensive support for franchisees begins with an intensive training program, typically spanning six weeks, with the majority of this period dedicated to hands-on, on-the-job training within an existing, operational BIGGBY Coffee store. Historical data points to approximately 150 hours of on-the-job training complemented by 85 hours of classroom instruction, ensuring a thorough understanding of all operational facets, from beverage preparation to customer service and business management. The robust corporate support structure is a direct benefit of BIGGBY Coffee's 100% franchised business model, meaning all corporate resources are singularly focused on supporting franchisee success. This includes comprehensive onboarding, ongoing operational guidance, strategic marketing programs, and community-building initiatives designed to embed each location firmly within its local market. The franchisor actively assists with store design and build-out, providing expert guidance and support for the execution of the architectural and construction plans, rather than simply dictating them. While specific details on territory structure and exclusivity are not provided, the brand's emphasis on selective franchise expansion and prioritizing owners who align with its community-first culture suggests a thoughtful approach to market penetration. The provision of a reduced franchise fee for existing franchisees opening additional locations clearly indicates an encouragement of a multi-unit ownership model, positioning the opportunity as suitable for both dedicated owner-operators and those looking to scale their investment with multiple locations.

BIGGBY Coffee provides transparent financial performance information in Item 19 of its Franchise Disclosure Document, offering critical insights for prospective investors. For fiscal year 2024, the 358 BIGGBY Coffee locations that were operational for the entire year reported an impressive average gross sales of $720,465. This figure is corroborated by another source stating the average unit volume (average revenue) for a BIGGBY Coffee franchise at $703,000, and the provided franchise data indicating an average revenue of $702,752. The consistency across these figures underscores a reliable revenue generation capability for the brand's units. Analyzing the performance further, the yearly gross sales of $702,752 are associated with estimated owner-operator earnings ranging from $84,331 to $105,413, demonstrating a substantial return potential for engaged franchisees. For the top 25% of drive-thru coffee shops within the system, average store sales reached an even more impressive $1,015,792, highlighting the significant upside potential for high-performing locations, often driven by optimal site selection, strong local marketing, and superior operational execution. The estimated Franchise Payback Period for a BIGGBY Coffee investment is between 8.0 and 10.0 years, a competitive timeframe within the food and beverage franchise sector, indicating a reasonable period for capital recovery. The brand's emphasis on a streamlined business model, coupled with a simple menu engineered for speed and efficiency, is a key driver of this profitability, allowing franchisees to maximize revenue while keeping ongoing operational costs low. This operational efficiency is paramount in achieving the reported sales figures and owner earnings. The brand's consistent organic growth, reporting approximately 23% in 2022, during which it signed 71 new franchise agreements and opened 58 new locations, further validates the underlying unit-level performance and market demand for the BIGGBY Coffee concept. The ability to consistently expand while maintaining strong average unit volumes suggests a robust and scalable business model that attracts both new customers and new franchisees.

BIGGBY Coffee has demonstrated a compelling growth trajectory since its inception, consistently expanding its footprint across the United States. As of March 2023, the brand had 354 franchises open, with an additional 141 units in various stages of development. By Q3 2023, the total unit count reached 371, supported by 158 units in development and 90 signed leases, illustrating a robust pipeline for future expansion. The chain concluded 2023 with 383 U.S. units, and by mid-2024, the network had grown to over 390 locations throughout the United States. This rapid expansion continued, with BIGGBY Coffee operating in 13 states with 430 stores and 120 valid franchise agreements for future locations as of October 2025. The brand closed out 2025 with an impressive 460+ locations across these 13 states, having opened 47 new stores within that year alone. Projections for 2025 indicated an ambitious goal of opening 60 new locations, showcasing the brand's aggressive growth strategy. BIGGBY Coffee has a historical pattern of doubling its unit counts approximately every four to five years, a testament to its scalable model and market demand. Looking ahead, the company aims to reach 500 stores by the end of 2024 and has set an ambitious long-term goal of opening 1,000 stores by 2028, signaling significant future market penetration. This organic growth was particularly strong in 2022, reporting approximately 23% expansion, during which 71 new franchise agreements were signed and 58 new locations were successfully opened. The brand's competitive moat is built upon several key advantages, including its deeply ingrained community-focused brand philosophy, encapsulated by its purpose to "support franchisees, employees and customers in building a life they love." The 100% franchised business model ensures that all corporate resources are exclusively dedicated to franchisee success, fostering a collaborative and supportive environment. Its streamlined business model, featuring a simple menu engineered for speed and efficiency, contributes to maximizing profitability and keeping ongoing costs low, a critical differentiator in a competitive market. Recent corporate developments include a refined visual identity introduced in 2024, alongside the new tagline "BIGGBY® Makes it Better," reinforcing its commitment to consistent quality and human connection. Leadership has also seen strategic additions, with Rita Bettino joining as Chief Marketing Officer in the fall of 2023, enhancing the brand's market presence. The brand is actively adapting to current market conditions by expanding its footprint into new states such as Idaho, Georgia, Virginia, and Tennessee in 2022. Future expansion efforts are strategically focused on key emerging markets including Chicago, Illinois; Memphis and Nashville, Tennessee; Atlanta and Fulton County, Georgia; Virginia Beach and Rockingham County, Virginia; and Raleigh, Charlotte, and Winston-Salem, North Carolina. BIGGBY Coffee continues to offer franchise opportunities in existing, high-performing markets like Michigan, Ohio, Indiana, South Carolina, Wisconsin, Kentucky, Idaho, and Florida, while remaining selective in its franchise expansion, prioritizing owners who align with its distinctive community-first culture.

The ideal BIGGBY Coffee franchisee is an individual deeply aligned with the brand's community-first culture and its core philosophy of "loving people and sharing great coffee." While specific experience requirements are not exhaustively detailed, a background in management, customer service, or prior business ownership would be highly beneficial, complementing the comprehensive training and support provided. The brand actively encourages multi-unit development, offering a reduced initial franchise fee of $10,000 for existing franchisees who open additional locations, indicating a preference for operators with the capacity and ambition to scale their investment. This approach suggests that candidates with strong leadership capabilities and a desire to grow a regional presence are particularly well-suited. Geographically, BIGGBY Coffee has demonstrated a strategic expansion, having entered new states like Idaho, Georgia, Virginia, and Tennessee in 2022. The brand's current operational footprint extends across 13 states as of October 2025, with specific future focus on key emerging markets. These include major metropolitan and developing areas such as Chicago, Illinois; Memphis and Nashville, Tennessee; Atlanta and Fulton County, Georgia; Virginia Beach and

FPI Score

75/100

SBA Default Rate

1.0%

Active Lenders

70

Key Highlights

Low SBA default rate (1.0%)
Item 19 financial data disclosed
194 locations nationwide

Data Insights

Key performance metrics for BIGGBY Coffee based on SBA lending data

SBA Default Rate

1.0%

3 of 289 loans charged off

SBA Loan Volume

289 loans

Across 70 lenders

Lender Diversity

70 lenders

Avg 4.1 loans per lender

Investment Tier

Significant investment

$296,250 – $1,011,500 total

Payment Estimator

Loan Amount$237K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$3,067

Principal & Interest only

Locations

BIGGBY Coffeeunit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

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BIGGBY Coffee