Cloverleaf Pizza
The total investment to open a Cloverleaf Pizza franchise ranges from $19,000 to $414,760. The initial franchise fee is $25,000.
What is the Cloverleaf Pizza franchise?
Cloverleaf Pizza is a Detroit style pizza franchise with an investment range of $19,000 to $414,760. Its history begins in 1946, when Gus Guerra and his wife Anna used her mother's thick crusted, square Sicilian pizza recipe at Buddy's Rendezvous in Detroit. That recipe helped establish what is now recognized as Detroit style pizza. In 1953, Guerra sold Buddy's and the recipe, then acquired the Cloverleaf Bar in East Detroit, now known as Eastpointe, Michigan. The original Eastpointe dine in bar and restaurant remains part of the brand, alongside carry out and delivery locations in Chesterfield, Grosse Pointe, Macomb, Roseville, St. Clair Shores, and Sterling Heights, all in Michigan's Metro Detroit region. Cloverleaf is a closely held, family owned company in its second generation of Guerra family leadership through Marie Guerra Easterby and Jack Guerra. Jeff Kuchta is identified as franchisor. The company is offering franchises throughout Michigan and aims to become a rapidly growing regional brand in southeast Michigan. As of late 2023, the brand reported 10 or more Metro Detroit locations, while the formal franchise system counted 3 franchised units. That makes this an early stage regional expansion built on a 78 year culinary history. The global pizza market was valued at $282.91 billion in 2025. North America represented 39.13%, or an $81.16 billion regional market. Investors should assess whether the brand's historical authenticity can support a modern franchise operation, rather than relying on the origin story alone.
The global Pizza Foodservice market is estimated at $295.92 billion in 2025 and projected to reach $455.65 billion by 2031, with a 7.46% CAGR from 2026 to 2031. Carry out and take away operations held a 46.85% market share in 2025, which fits Cloverleaf's current mix because most of its locations use carry out and delivery formats. Delivery only ghost kitchens are projected to grow at an 8.74% CAGR. The Full Service Restaurants market is projected to reach USD 2.05 trillion globally by 2035 from 2025 levels, growing at a 2.6% CAGR. Its U.S. segment is projected to grow at a 3.5% CAGR over the same period. Consumer demand is moving toward dining models that combine an in restaurant experience with carry out convenience, authentic and locally sourced food, contactless payment, digital ordering, trusted regional brands, and heritage focused concepts. Over the past decade, Detroit style pizza has moved from a regional specialty to a nationally recognized style. Cloverleaf claims the distinction of being the original source of that style, giving it an authenticity position that other franchise concepts cannot readily reproduce. The pizza franchise category remains moderately fragmented. National chains account for large unit totals, while regional and heritage brands can build strong loyalty and premium pricing in their home markets.
The initial Cloverleaf Pizza franchise fee is $25,000. That falls within the lower to middle portion of Quick Service and Full Service Restaurant franchise fees, with the QSR category averaging $6,250 to $90,000 in 2025. The formal investment range is $19,000 to $414,760, reflecting differences in format, geography, and construction requirements. The company states that buildout expenses are expected to range from $250,000 to $500,000. A standard strip mall location requires 1,200 to 1,400 square feet, while freestanding and in mall formats are available through consultation. The difference between the $19,000 low end and the $414,760 high end may reflect conversion opportunities, such as taking over an existing food service space, compared with a full ground up buildout. Comparable QSR and pizza franchise systems commonly charge royalties of 4% to 8% of gross sales and advertising contributions of 1% to 5%. Cloverleaf does not publicly state its royalty or advertising percentages, but its marketing support includes updated print materials, digital assets, and video content intended to support customer conversion and brand awareness. Other pizza franchise systems in this investment tier commonly require minimum liquidity of $125,000 to $350,000 and minimum net worth of $350,000 to $750,000. Those figures can help a prospective buyer evaluate financial readiness. Each franchise agreement includes a protected territory, which limits internal competition around the unit.
A Cloverleaf franchisee prepares and sells the brand's proprietary Detroit style square pizza. The product uses a thick Sicilian crust, brick cheese baked into caramelized edges, and a layered ingredient order that separates it from New York and Chicago styles. Carry out and delivery locations make up most of the footprint and are designed for a 1,200 to 1,400 square foot minimum space. That format limits facility overhead and places the labor emphasis on production throughput instead of front of house service. The menu extends beyond pizza with small round cheese bread, dipping sauces, subs, calzones, wings, and bread. New franchisees receive in person training, video tutorials, and detailed operating materials. The program is intended to support people who may not have prior food service experience. Franchisee Joe Riggs described himself as a first time entrepreneur and cited the training and support as important to his early operating confidence. After opening, two experienced senior staff members are assigned to each new franchisee and stay on site for two to three weeks. Franchisees receive access to proprietary recipes, processes, approved suppliers, and specified equipment. Each location receives a protected territory, meaning another Cloverleaf Pizza unit will not be opened within the defined market area. Jeff Kuchta and the broader franchise organization provide ongoing communication and field consultation during the franchise relationship.
Employee growth was reported at 11% in the most recent measured year, suggesting that the organization is expanding its infrastructure as it prepares for additional units. Regional pizza businesses can show wide differences in unit volume. The $19,000 to $414,760 investment range indicates that the system may accommodate both lower capital conversions and mid range buildouts. Buyers should test that claim through FDD review, calls with franchisees, and advice from independent franchise attorneys and accountants before investing.
Cloverleaf grew from seven confirmed locations in November 2022 to more than 10 locations across Metro Detroit by December 2023. The formal franchise records list 3 franchised units and zero company owned units, indicating a franchise led expansion model rather than continued corporate unit development. Jeff Kuchta's franchisor role represents a dedicated franchise development function separate from the Guerra family's daily restaurant operations. That separation can support franchisee service and system growth. The brand's main competitive distinction is its connection to the 1946 origin of Detroit style pizza, with recipes and preparation methods traced to Anna Passalacqua's family tradition. Media recognition includes appearances on the Cooking Channel's Food Paradise Pizza Playoffs and Man v Food with Casey Webb in May 2020. The brand also received the Detroit Free Press Metro Detroit Chevy Dealers Restaurant of the Year Classic award for 2020 and the Sylvia Rector 2020 Hospitality Award. It was included on the Daily Meal's list of the 101 Best Pizzas in America. Detroit style pizza has gained national and international recognition over the past decade, while its original creator is now developing a franchise system. Cloverleaf's focus on carry out and delivery, together with its strip mall strategy, corresponds with the 46.85% carry out share of the Pizza Foodservice segment and the broader shift toward convenient off premise dining.
The intended Cloverleaf franchise candidate is an entrepreneurially minded operator who is prepared to manage the business directly and has a connection to Metro Detroit and its food culture. The system welcomes first time entrepreneurs, as shown by Joe Riggs's experience, so prior food service or franchise ownership is not required. A buyer still needs to participate actively and complete the training program. The current geographic focus is Michigan, with particular attention to southeast Michigan and the broader Metro Detroit market. Territories are therefore shaped by regional density rather than open national expansion. The protected territory structure gives new franchisees a position in the market before the system reaches saturation, although buyers should evaluate the actual territory and local demand rather than assume that protection guarantees returns. Strip mall locations require 1,200 to 1,400 square feet. The company can consult on freestanding and in mall sites for buyers with other real estate options. The schedule from signing to opening depends on site selection, permits, construction, and training. Two to three weeks of on site support from senior staff is planned after opening. Buyers should reserve working capital beyond the buildout range and confirm which protected territories in Michigan are currently available before completing a market analysis.
The Cloverleaf investment case rests on the $295.92 billion global pizza foodservice market, its projected 7.46% CAGR through 2031, the brand's 78 year history, and its connection to the origin of Detroit style pizza. It also rests on an early franchise system with 3 current units and a Michigan focused expansion plan. The PeerSense Franchise Performance Index gives Cloverleaf Pizza a score of 55, classified as Moderate. The score should be treated as one input for analysis. Investors considering the $19,000 to $414,760 range should review the FDD, speak with franchisees, and assess territory level costs and demand. PeerSense provides independent franchise research that includes SBA lending history, the Loan Activity Score, location maps with Google ratings, FDD financial data, and comparison tools for evaluating Cloverleaf against other pizza concepts and Michigan based franchise opportunities. The brand combines an established origin story, a nationally recognized pizza style, franchisee training and support, protected territories, and a regional growth plan. Those features warrant closer review by Michigan investors considering a regional restaurant franchise.
Loan Activity Score
55/100
SBA Default Rate
0.0%
Active Lenders
1
According to its Franchise Disclosure Document or public business records, Cloverleaf Pizza has 3 locations, all owned by franchisees. Public SBA loan records show 1 lender made 5 loans to franchisees of Cloverleaf Pizza. PeerSense calculates Cloverleaf Pizza's score as 55 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1953 · 3 locations
$19,000 to $414,760
$25,000
3
3 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Cloverleaf Pizza
5
Total SBA loans
$170K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Cloverleaf Pizza
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 10.3% peer avg
SBA Loans
5
Total Volume
$0.8M
Active Lenders
1
1 selective
States
1
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 Cloverleaf Pizza based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
5 loans
Across 1 lender
Lender Diversity
1 lender
Avg 5.0 loans per lender
Investment Tier
Mid range investment
$19,000 to $414,760 total
Cloverleaf Pizza: 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
2022
3 approvals. The best year on record for Cloverleaf Pizza.
Top SBA State
Michigan
10 SBA financed Cloverleaf Pizza locations, the densest operator footprint.
Average Loan Size
$176K
Median $217K. Use as a sizing anchor when modeling your own Cloverleaf Pizza unit.
Lender Concentration
100%
Concentrated
Share of Cloverleaf Pizza approvals captured by the top 3 SBA lenders.
Cloverleaf Pizza's SBA lending pipeline peaked in 2022 (3 approvals). The last five fiscal years account for 100% of cumulative volume ($849K approved). Operator density is highest in Michigan with 10 SBA financed locations. Average funded ticket sits at $176K, with the median at $217K. Lender mix is concentrated: the top three SBA lenders account for 100% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$197
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
Cloverleaf Pizza, 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; 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