Brightway Insurance
341 locations
The total investment to open a Brightway Insurance franchise ranges from $23,325 - $136,900. The initial franchise fee is $35,000. Ongoing royalties are 6% plus a 3% advertising fee. Brightway Insurance currently operates 341 locations (338 franchised). PeerSense FPI health score: 27/100. Data sourced from the 2026 Franchise Disclosure Document.
$23,325 - $136,900
$35,000
341
338 franchised
Proprietary PeerSense metric
LimitedActive capital sources verified for Brightway Insurance financing
SBA
7(a) Eligible
21d
Avg Funding
P+2.25%
Best Rate
Referral fee at closing
FPI Score Breakdown
Growing (10-24 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
SBA Lending Activity for Brightway Insurance
What is the Brightway Insurance franchise?
Brightway Insurance operates within the vital and consistently growing sector of Insurance Agencies and Brokerages, a category fundamental to both personal and commercial financial security. Headquartered in None, Florida, Brightway Insurance represents a compelling opportunity for entrepreneurs seeking to establish themselves within an essential service market that demonstrates enduring demand. The company currently maintains a footprint of 9 total units, as per the most recent available data, indicating a measured yet established presence in the franchise landscape. This number reflects a focused approach to market penetration and the development of a network of localized service providers, each designed to meet diverse client needs. The core business model of a Brightway Insurance agency centers on facilitating access to a comprehensive and often complex range of insurance products, serving both individual consumers and various commercial entities. This strategic positioning allows Brightway Insurance to act as a crucial intermediary, guiding clients through the intricacies of policy selection, ensuring they acquire adequate protection against unforeseen risks. The inherent stability of the insurance industry, driven by regulatory mandates, personal asset protection requirements, and evolving business risk management strategies, provides a robust foundation for a franchise operation such as Brightway Insurance. The brand’s establishment, even with its current unit count, signifies its operational efficacy and its commitment to offering a structured pathway for individuals to capitalize on the ongoing need for expert guidance in navigating the often-daunting insurance market. Locating its headquarters in Florida, a state known for its dynamic economic environment and diverse population demographic, further underscores the brand's potential for regional influence and strategic expansion within the broader United States market. The fundamental appeal of an insurance agency stems from the perpetual requirement for comprehensive coverage—be
FPI Score
27/100
SBA Default Rate
18.2%
Active Lenders
4
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 – $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 September 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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