Brightway - Associate Agency
The total investment to open a Brightway - Associate Agency franchise ranges from $121,100 to $465,720. The initial franchise fee is $25,000. Ongoing royalties are 50%.
What is the Brightway - Associate Agency franchise?
Brightway Associate Agency is an insurance agency that sells coverage to individuals and businesses. The estimated total initial investment is $121,100 to $465,720, and the initial franchise fee is $25,000.
The royalty is 50 percent of sales. The franchise agreement term is 5 years.
The company was founded in 2008 and is headquartered in Jupiter, Florida.
Loan Activity Score
49/100
SBA Default Rate
0.0%
Active Lenders
6
According to its Franchise Disclosure Document or public business records, Brightway - Associate Agency has 8 locations, all owned by franchisees. Public SBA loan records show 6 lenders made 8 loans to franchisees of Brightway - Associate Agency. PeerSense calculates Brightway - Associate Agency's score as 49 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2008 · 8 locations
$121,100 to $465,720
$25,000
8
8 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Brightway - Associate Agency
8
Total SBA loans
$260K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Brightway - Associate Agency
Loan Activity Score Breakdown
Emerging (3 to 9 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
0.0%
vs 2.4% peer avg
SBA Loans
8
Total Volume
$2.1M
Active Lenders
6
1 selective
States
6
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 Brightway - Associate Agency based on SBA lending data
SBA Default Rate
0.0%
2.4% below peer avg
SBA Loan Volume
8 loans
Across 6 lenders
Lender Diversity
6 lenders
Avg 1.3 loans per lender
Investment Tier
Mid range investment
$121,100 to $465,720 total
Brightway - Associate Agency: 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
2021
2 approvals. The best year on record for Brightway - Associate Agency.
Top SBA State
Florida
3 SBA financed Brightway - Associate Agency locations, the densest operator footprint.
Average Loan Size
$260K
Median $145K. Use as a sizing anchor when modeling your own Brightway - Associate Agency unit.
Lender Concentration
62.5%
Concentrated
Share of Brightway - Associate Agency approvals captured by the top 3 SBA lenders.
Brightway - Associate Agency's SBA lending pipeline peaked in 2021 (2 approvals). The last five fiscal years account for 50% of cumulative volume ($1.6M approved). Operator density is highest in Florida with 3 SBA financed locations. Average funded ticket sits at $260K, with the median at $145K. Lender mix is concentrated: the top three SBA lenders account for 62.5% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,254
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
Brightway - Associate Agency, 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; 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