Brightway Insurance
The total investment to open a Brightway Insurance franchise ranges from $23,325 to $136,900. The initial franchise fee is $35,000. Ongoing royalties are 6% plus a 3% advertising fee.
What is the Brightway Insurance franchise?
Brightway Insurance operates in the Insurance Agencies and Brokerages sector, which supports personal and commercial financial security. The latest available data shows 9 total units, reflecting an established but focused network of local service providers.
A Brightway Insurance agency helps individual consumers and commercial entities access a broad range of insurance products. Its role includes helping clients evaluate policies and obtain protection against unforeseen risks. Demand in this sector is supported by regulatory mandates, personal asset protection needs, and changing approaches to business risk management.
The company’s presence and unit count indicate an operating model intended to give franchise owners a structured way to serve ongoing demand for insurance guidance. Its Florida headquarters places the brand in a state with a dynamic economy and diverse population, supporting potential regional influence and expansion across the United States. The fundamental appeal of an insurance agency is the continuing need for comprehensive coverage.
Loan Activity Score
27/100
SBA Default Rate
18.2%
Active Lenders
4
Franchisees account for 338 of Brightway Insurance's 341 locations. Public SBA loan records show 4 lenders made 11 loans to franchisees of Brightway Insurance. PeerSense calculates Brightway Insurance's score as 27 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.
341 locations
$23,325 to $136,900
$35,000
341
338 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Brightway Insurance
11
Total SBA loans
$138K
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 Insurance
Loan Activity Score Breakdown
Growing (10 to 24 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
18.2%
vs 2.4% peer avg
SBA Loans
11
Total Volume
$1.5M
Active Lenders
4
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 Insurance based on SBA lending data
SBA Default Rate
18.2%
15.8% above peer avg
SBA Loan Volume
11 loans
Across 4 lenders
Lender Diversity
4 lenders
Avg 2.8 loans per lender
Investment Tier
Low cost entry
$23,325 to $136,900 total
Brightway Insurance: 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
2016
7 approvals. The best year on record for Brightway Insurance.
Top SBA State
Florida
4 SBA financed Brightway Insurance locations, the densest operator footprint.
Average Loan Size
$138K
Median $105K. Use as a sizing anchor when modeling your own Brightway Insurance unit.
Lender Concentration
90.9%
Concentrated
Share of Brightway Insurance approvals captured by the top 3 SBA lenders.
Brightway Insurance's SBA lending pipeline peaked in 2016 (7 approvals). Operator density is highest in Florida with 4 SBA financed locations. Average funded ticket sits at $138K, with the median at $105K. Lender mix is concentrated: the top three SBA lenders account for 90.9% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$241
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 Insurance, unit breakdown
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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