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Church's Fried Chicken

Church's Fried Chicken

The total investment to open a Church's Fried Chicken franchise ranges from $100,000 to $1M. The initial franchise fee is $20,000. Ongoing royalties are 5% plus a 5% advertising fee.

What is the Church's Fried Chicken franchise?

Church's Chicken began on April 17, 1952, when George W. Church, Sr., a 65 year old retired chicken incubator salesman, opened Church's Fried Chicken To Go in San Antonio, Texas, across from the Alamo. The original concept offered quality, low cost fried chicken for carryout customers. French fries and jalapeños joined the menu in 1955. After George W. Church, Sr. died in 1956, his son George W. "Bill" Church, Jr. took leadership in 1962. He and his brother Richard are credited with creating the marinade associated with the brand's flavor. The company incorporated as Church's Fried Chicken in 1969 and later went public to support expansion. Known as Church's Texas Chicken in the United States and Texas Chicken internationally, the brand has more than 1,500 locations worldwide according to some sources. Other reports cite more than 1,400 units in 22 countries and global markets, more than 1,600 locations, or almost 1,700 locations. Reported country and territory counts include 24, 22, 23, 25, and 27. The brand uses the Texas Chicken name in many international markets. Based in Atlanta, Georgia, it has been owned by High Bluff Capital Partners and FS Investments since 2021, following ownership by Arcapita from late 2004 and AFC Enterprises, Inc. Roland Gonzalez is the current CEO. The brand serves value conscious customers with hand battered chicken and honey butter biscuits. As of 2025, Church's Chicken had 873 total units, including 714 franchised locations and 159 company owned locations. The 2024 Franchise Disclosure Document also indicated 8 franchised Church's Chicken locations in the USA. Its Southern style fried chicken and value positioning place it within the quick service restaurant market for franchise investment review.

The quick service restaurant industry, especially fried chicken, benefits from demand for convenience, value, and familiar flavors. Demand is supported by quick meal preferences, comfort food, and the international spread of American fast food concepts. Church's Southern style fried chicken and its international Texas Chicken expansion address these preferences while allowing for different local tastes. The category attracts franchise investment because of its established operating model, frequent transactions, and potential for multi unit development. Church's competes with established national and international fried chicken brands, while distinguishing itself through bold flavors, hand battered preparation, and honey butter biscuits. Urbanization, expanding middle income populations in emerging markets, and global demand for convenient, affordable meals create opportunities for scalable brands. Church's plans to open 900 more international units in the near future, including expansion into Germany, Hungary, Georgia, Azerbaijan, and Morocco. Planned units in the United Kingdom, France, Italy, and Spain are also part of the strategy. The company projects that this growth will increase its international presence by more than 50% in the next four years.

A Church's Chicken franchise requires a substantial investment. The stated franchise fee is $15,000 per restaurant, with a $10,000 development fee, while some sources cite a $20,000 initial franchise fee. Prospective franchisees should expect at least $50,000 in initial fees paid directly to Church's Chicken. Reported total investment ranges include $1,119,150 to $1,631,300, $644,000 to $1,809,000, $1,114,650 to $1,636,300, $191,300 to $1,101,600 depending on restaurant size, and $681,500 to $1,603,300. The 2025 FDD reports approximately $644,000 to $1,808,972, depending on the prototype and whether the location is a conversion. The midpoint is $1,375,225. Costs include a $10,000 development fee, a $20,000 initial franchise fee, and grand opening marketing funds of $15,500 to $25,000. Site work is estimated at $220,000 to $450,000, while building and improvements range from $605,124 to $692,672. Real estate, equipment, and signs vary. Ongoing charges include a weekly royalty of 5% of gross sales and a weekly advertising fund contribution of 5% of gross sales, with a minimum annual contribution of $25,000. Technology costs are $95 per 4 week period, or $75 per 4 week period when the HME Drive Thru Timer system is used. Other possible charges include a $5,000 development schedule extension fee, a supply chain department surcharge that passes through franchisor costs, and mandatory manager training costs. Requirements include at least $1,119,150 in cash or $650,000 in liquid assets and net worth above $1,500,000. This places the opportunity within reach of well capitalized individuals or groups rather than entry level or mid tier buyers.

The operating model focuses on hand battered Southern style fried chicken, honey butter biscuits, and other popular sides in a quick service setting. Franchisees typically manage food preparation, customer service, inventory, and supply chain logistics to support consistent product availability. Although specific staffing levels are not provided, the format requires a well trained team capable of high volume service. The original walk up stand has developed into multiple formats. The investment ranges indicate options for new builds and conversions, likely including traditional standalone restaurants, inline units, and drive thru models, supported by the HME Drive Thru Timer technology reference. This format range can accommodate different real estate opportunities and market needs. Church's provides initial training totaling 171 hours, with 17 hours of classroom instruction and 154 hours of hands on, in restaurant training. Franchisees also receive ongoing corporate support after the initial training program.

Loan Activity Score

33/100

SBA Default Rate

15.3%

Active Lenders

70

According to its Franchise Disclosure Document or public business records, Church's Fried Chicken has 136 locations, all owned by franchisees. Public SBA loan records show 70 lenders made 137 loans to franchisees of Church's Fried Chicken. PeerSense calculates Church's Fried Chicken's score as 33 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2025 Franchise Disclosure Document.

Franchising since 2021 · 136 locations

Investment

$100,000 to $1M

Franchise Fee

$20,000

Total Units

136

136 franchised

Loan Activity Score
High
33
SBA Lending
5
Lender Quality
7
Transparency
9
Reach
9
Momentum
3

Proprietary PeerSense metric

Limited
Capital Sources
70SBA lenders

Distinct lenders in public SBA records for Church's Fried Chicken

137

Total SBA loans

$464K

Average loan size

Source: public SBA 7(a) and 504 loan records through December 31, 2025

Referral fee at closing

SBA Lending Activity for Church's Fried Chicken

Loan Activity Score Breakdown

Major Brand (100+ loans)

High Confidence
33out of 100
Limited
Market Momentum3/35

Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.

Loan Safety5/25

Blended default rate (recent + all time) compared to NAICS sector peers.

Lender Confidence7/15

Quality lenders actively backing this brand, with penalty for lender pullback.

Transparency9/15

FDD availability, Item 19 disclosure, and overall data completeness.

Footprint9/10

Geographic spread of SBA funded locations across states.

SBA Lending Performance

SBA Default Rate

15.3%

vs 10.3% peer avg

SBA Loans

137

Total Volume

$63.6M

Active Lenders

70

9 selective

States

20

vs. SBA Sector Average

-5%higher default rate

SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors

Key Highlights

Item 19 financial data disclosed
136 locations nationwide

Data Insights

Key performance metrics for Church's Fried Chicken based on SBA lending data

SBA Default Rate

15.3%

5.0% above peer avg

SBA Loan Volume

137 loans

Across 70 lenders

Lender Diversity

70 lenders

Avg 2.0 loans per lender

Investment Tier

Significant investment

$100,000 to $1,000,000 total

Church's Fried Chicken: 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

2001

15 approvals. The best year on record for Church's Fried Chicken.

Top SBA State

Texas

51 SBA financed Church's Fried Chicken locations, the densest operator footprint.

Average Loan Size

$464K

Median $350K. Use as a sizing anchor when modeling your own Church's Fried Chicken unit.

Lender Concentration

21.9%

Moderately Spread

Share of Church's Fried Chicken approvals captured by the top 3 SBA lenders.

Church's Fried Chicken's SBA lending pipeline peaked in 2001 (15 approvals). Operator density is highest in Texas with 51 SBA financed locations. Average funded ticket sits at $464K, with the median at $350K. Lender mix is moderately spread: the top three SBA lenders account for 21.9% of approvals. Borrowers have leverage to shop multiple credit boxes.

Payment Estimator

Loan Amount$80K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$1,035

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

Church's Fried Chicken, unit breakdown

Total Units
N/A
Franchisee Owned
n/a
System Owned
n/a
Closed
n/a

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3 FDDs Available for Church's Fried Chicken

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Church's Fried Chicken

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