Franchising since 2016 · 9 locations
The total investment to open a Chip/Chip Cookies franchise ranges from $312,000 - $540,000. The initial franchise fee is $40,000. Ongoing royalties are 6% plus a 2% advertising fee. Chip/Chip Cookies currently operates 9 locations (9 franchised). PeerSense FPI health score: 60/100.
$312,000 - $540,000
$40,000
9
9 franchised
Proprietary PeerSense metric
ModerateActive capital sources verified for Chip/Chip Cookies financing
SBA
7(a) Eligible
21d
Avg Funding
P+2.25%
Best Rate
No retainers · Referral fee at closing
Growing (10-24 loans)
SBA Default Rate
0.0%
0 of 10 loans charged off
SBA Loans
10
Total Volume
$4.0M
Active Lenders
6
States
4
The question every serious franchise investor asks before writing a six-figure check is deceptively simple: does this brand solve a real, recurring consumer need at a price point people will pay repeatedly, in a market growing fast enough to carry a new unit to profitability before the lease term expires? For the Chipchip Cookies franchise, the answer begins with a remarkably human origin story. The concept traces back to co-founders Sarah Wilson and Sean Wilson, who launched the Chip Cookies brand in 2016 out of a rented kitchen in Provo, Utah, after Sarah's late-night pregnancy cravings for warm, gourmet chocolate chip cookies revealed a genuine gap in the market: no one was delivering freshly baked, restaurant-quality cookies directly to consumers' doors at scale. Sean Wilson developed the initial business plan around that specific insight, and what began as a single rented kitchen grew into a corporate footprint spanning Utah and Idaho, with 10 corporate locations operating by September 2022. The brand opened its franchise program in 2021 and had sold more than 50 territories by February 2023, a rate of territory absorption that signals strong franchisee demand. Today, the Chipchip Cookies franchise operates 9 franchised units, all franchisee-owned, with corporate headquarters rooted in the premium consumer market. The total addressable market for gourmet and specialty cookies sits within the broader global cookies market, valued at USD 39.6 billion in 2023 and projected to reach USD 54.9 billion by 2030 at a compound annual growth rate of 4.7%. Within that market, North America commands the single largest revenue share at 33.7% as of 2023, a figure projected to rise to 37% of global market contribution between 2025 and 2029. For franchise investors evaluating baked goods concepts, this profile represents independent, data-driven analysis with no promotional agenda.
The industry landscape surrounding the Chipchip Cookies franchise investment opportunity is materially more favorable than most casual observers recognize. The global cookies market was valued at USD 40.25 billion in 2024, with projections estimating growth to USD 65.95 billion by 2033, representing a CAGR of 5.70% across the 2025-to-2033 forecast window. A separate methodology places the 2024 market at USD 40.62 billion, forecasting USD 58.75 billion by 2033 at a CAGR of 4.19%, while the most aggressive projection models growth of USD 32.33 billion between 2025 and 2029 alone at a CAGR of 7.3%. These varying estimates converge on a single directional conclusion: the cookies category is in a sustained, multi-decade expansion cycle. Consumer trends driving that expansion include the premiumization of everyday indulgences, where shoppers who scaled back spending on full-service dining during economic pressure cycles redirected discretionary dollars toward affordable luxury food items under roughly the ten-dollar threshold. Warm, freshly baked gourmet cookies delivered to a doorstep represent precisely that category of affordable luxury. The delivery and convenience economy, now embedded in consumer behavior following the acceleration of on-demand services, has created a permanent distribution channel for brands whose product quality degrades minimally in transit — a characteristic that warm, gourmet cookies satisfy better than most baked goods. The offline distribution segment still dominated the global cookies market with an 81.4% revenue share in 2023, confirming that physical retail locations remain the engine of the category. The broader bakery products market, within which the cookies segment operates, was valued at USD 494.7 billion in 2025, establishing the structural scale of the industry environment into which the Chipchip Cookies franchise competes. Franchise investment in baked goods has historically attracted capital because the product itself is relatively simple to standardize, the consumable purchase cycle is frequent, and brand loyalty in comfort food categories tends to be deeply emotional and highly resistant to substitution once a preferred product is established.
The Chipchip Cookies franchise investment requires a total capital commitment ranging from a low of $312,000 to a high of $540,000, based on the current franchise disclosure data. For context, the related Chip Cookies brand, which shares the same founding story and franchise infrastructure, published an investment range of $281,950 to $699,000, suggesting that the Chipchip Cookies figures represent a somewhat more compressed but directionally consistent range, likely reflecting format standardization efforts or a specific unit type within the broader system. The spread between the low and high investment figures — approximately $228,000 — is typical for baked goods franchise concepts where buildout costs vary significantly based on whether a franchisee is converting an existing commercial kitchen space, constructing a new inline retail unit, or entering a higher-cost metropolitan real estate market. The franchise fee for the parent Chip Cookies system is $40,000, which is consistent with the category average for specialty food franchise concepts where initial fees commonly range between $30,000 and $50,000. The Chip Cookies system also specifies a minimum liquidity threshold at two distinct levels across its disclosures: one source places the liquid capital requirement at $75,000 while another specifies $150,000 in minimum liquidity alongside a net worth requirement of $500,000 — a discrepancy that prospective investors should clarify directly with the franchisor during the discovery process. The Chipchip Cookies franchise does not publicly disclose specific royalty rate or advertising fund contribution percentages in the currently available data, which means that total ongoing cost of ownership analysis requires direct engagement with the FDD. Investors comparing the Chipchip Cookies franchise cost to other baked goods and specialty dessert concepts should note that the $312,000 entry point, if fully leveraged with SBA financing for qualified applicants, can reduce the required out-of-pocket equity injection substantially — SBA 7(a) loans are widely used in franchise investment and the food service category represents one of the most active lending segments within that program. The Chip Cookies brand explicitly describes itself as a family-owned business with no identified parent company, meaning franchisees are partnering with a founder-led organization rather than a private equity-backed portfolio operator, a distinction that affects both the support culture and the long-term strategic risk profile of the investment.
The operating model of the Chipchip Cookies franchise is built around a relatively focused product menu centered on warm, freshly baked gourmet cookies, a format that simplifies kitchen operations compared to full-service bakery concepts and reduces the training burden for new unit operators. The brand's corporate training program spans two weeks and is conducted at company headquarters, delivering a combination of kitchen operations, customer service protocols, brand standards, and business management instruction. Ongoing support is structured around a Franchise Business Consultant, or FBC, model in which a dedicated FBC serves as the franchisee's primary operational partner. The FBC's scope covers coaching on daily operations, guest experience optimization, new store opening support, supply chain issue resolution, and coordination with Chip Cookies' internal Marketing, Training, Quality Assurance, and Food Safety teams. FBCs also monitor customer review platforms and feedback trend data, coaching individual franchisees on response strategies and operational improvements that the data surfaces. Importantly, the brand's model positions franchisees as independent business owners with genuine operational autonomy — the FBC influences performance through coaching and brand standard enforcement rather than directive management, which means the individual franchisee's own operational discipline is a primary performance driver. The brand specifically seeks single and multi-unit operators who are hands-on, community-connected, and possess strong work ethic, noting that prior food industry experience is preferred but not mandatory. Territory exclusivity is embedded in the franchise model: the brand sold over 50 territories by early 2023 and all Utah franchise territories had been sold out by that point, confirming that desirable markets are being absorbed quickly and that prospective investors in high-demand geographies face a narrowing window for territory selection. The Chip Cookies system had targeted the Denver, Colorado metro area for 10 to 15 locations as of September 2022, demonstrating a deliberate multi-unit market penetration strategy in major metros rather than diffuse single-unit placement.
Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document for the Chipchip Cookies franchise, which means prospective investors cannot access average unit volume, median revenue, or quartile-level performance breakdowns through the FDD alone. This is a material due diligence limitation that investors must account for when building their financial models, and it is consistent with the practice of a significant percentage of franchise systems — particularly emerging brands in early franchise growth phases — that choose not to make earnings claims in their disclosure documents. What can be evaluated independently is the revenue environment in which the brand operates. The global cookies market's North American segment, which carries a 33.7% revenue share of a USD 39.6 billion global market in 2023, implies a North American cookies market in the range of USD 13.3 billion annually — a market large enough to support substantial per-unit revenue potential for brands that achieve meaningful local brand recognition and repeat purchase frequency. The Chip Cookies system reported successfully opening four new locations in 2022 and targeted 12 to 15 new locations for 2023, with leadership publicly characterizing a 500-store expansion target over five years as feasible given six years of operational foundation. Unit count growth velocity at that scale, if achieved, would generate system-wide revenue data that historically produces much stronger Item 19 disclosures in subsequent FDD versions as the dataset matures. The FPI Score for the Chipchip Cookies franchise as calculated in the PeerSense database is 60, placing it in the Moderate tier — a score that reflects the brand's emerging franchise stage, limited public financial disclosure, and concentrated geographic history, balanced against a strong founding narrative, a high-demand product category, and measurable territory sales momentum. Investors conducting payback period analysis should benchmark against comparable specialty dessert franchise concepts and apply conservative assumptions given the absence of disclosed unit-level revenue data.
The growth trajectory of the Chipchip Cookies franchise reflects a brand moving through the critical early-to-mid franchise scaling phase, the period during which unit economics are being stress-tested across multiple geographic markets simultaneously. Starting from a rented kitchen in Provo, Utah in 2016, the brand built 10 corporate locations before activating the franchise program in 2021. By February 2023, more than 50 franchise territories had been sold, representing a territory sales pace of roughly 25 per year across the first two years of franchising — a rate that signals genuine franchisee market interest. The stated five-year target of 500 stores, articulated in September 2022, is an aggressive growth ambition that would require compounding unit growth at a rate few emerging franchise systems achieve without substantial capital infusion, but the brand's stated rationale — six years of operational refinement before franchising — suggests a more thoughtful sequencing than brands that franchise prematurely. The competitive moat for the Chipchip Cookies concept rests on several structural advantages: a founder-led brand identity with a compelling and authentic origin story, a proprietary warm cookie delivery and in-store experience that differentiates from ambient-temperature packaged cookie competitors, a product category with extremely high repeat purchase frequency driven by emotional comfort associations, and first-mover territory positioning in markets where no equivalent gourmet warm cookie delivery brand has established presence. The brand's franchising page states readiness to expand globally, though all current operational infrastructure and near-term territory development is concentrated within the United States. For investors evaluating the competitive dynamics of the specialty dessert space, the cookies category remains meaningfully less consolidated than the coffee or sandwich categories, presenting a window for a well-executed emerging brand to establish durable regional dominance before category consolidation accelerates.
The ideal Chipchip Cookies franchise candidate combines community engagement with operational hands-on capability, two characteristics that the brand's franchise development materials identify explicitly as non-negotiable. Prior food industry experience is preferred by the franchisor and would accelerate the learning curve given the production-forward nature of a fresh-baked cookie operation, though the two-week headquarters training program is designed to bring non-food-industry operators to functional competency. The brand explicitly values franchisees with local market knowledge — what its leadership describes as "street knowledge" — recognizing that a franchisee's existing community connections and local reputation accelerate customer acquisition in ways that corporate marketing programs cannot replicate. Multi-unit operators are welcomed, and given that the brand's Denver metro expansion plan called for 10 to 15 locations in a single market as of September 2022, multi-unit development agreements represent a significant component of the system's growth strategy. Available territories as of early 2023 span coast-to-coast markets outside of Utah, where all territories have been sold, making the current moment a genuine first-mover opportunity for franchisees in markets that have not yet been claimed. The typical timeline from franchise agreement signing to grand opening varies by market conditions, buildout complexity, and permitting environment, but the two-week training program and the FBC-supported new store opening process are structured to compress that timeline. Prospective franchisees should evaluate the franchise agreement term length, renewal conditions, and transfer provisions directly through the FDD during the discovery process, as these contractual parameters govern the long-term asset value and exit optionality of any franchise investment.
For franchise investors conducting serious due diligence on the Chipchip Cookies franchise opportunity, the investment thesis rests on a convergence of three durable factors: a high-growth product category with a North American cookies market representing roughly USD 13.3 billion of the USD 39.6 billion global market, an emerging brand with authentic founding roots and measurable early franchise momentum evidenced by 50-plus territories sold within two years of launching its franchise program, and a total investment range of $312,000 to $540,000 that positions the Chipchip Cookies franchise cost within the accessible mid-tier of specialty food franchise investments. The FPI Score of 60, reflecting a Moderate rating in the PeerSense database, accurately captures both the opportunity and the inherent risk of investing in a franchise system that is still building its multi-market performance track record and has not yet disclosed Item 19 financial performance representations — a disclosure gap that warrants careful scrutiny and direct franchisor dialogue before capital commitment. Every serious investor in this concept should request the full FDD, engage a qualified franchise attorney, speak with existing franchisees across multiple markets, and model unit economics conservatively using industry benchmark revenue figures for the specialty baked goods category. PeerSense provides exclusive due diligence data including SBA lending history, FPI score, location maps with Google ratings, FDD financial data, and side-by-side comparison tools that allow investors to benchmark the Chipchip Cookies franchise investment against every comparable concept in the baked goods and specialty dessert category. Explore the complete Chipchip Cookies franchise profile on PeerSense to access the full suite of independent franchise intelligence data.
FPI Score
60/100
SBA Default Rate
0.0%
Active Lenders
6
Key performance metrics for Chip/Chip Cookies based on SBA lending data
SBA Default Rate
0.0%
0 of 10 loans charged off
SBA Loan Volume
10 loans
Across 6 lenders
Lender Diversity
6 lenders
Avg 1.7 loans per lender
Investment Tier
Significant investment
$312,000 – $540,000 total
Estimated Monthly Payment
$3,230
Principal & Interest only
Chip/Chip Cookies — unit breakdown
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