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Rates
Country Kitchen

Country Kitchen

The total investment to open a Country Kitchen franchise ranges from $102,100 to $696,740.

What is the Country Kitchen franchise?

Country Kitchen represents a long standing presence in the competitive and resilient full service restaurant sector. Based in Baxter, MN, the brand is positioned as a familiar community restaurant for customers seeking traditional American meals in a welcoming setting. Its operating approach centers on quality ingredients, established recipes, consistent service, and an atmosphere that encourages connection. The menu generally includes breakfast served all day, substantial lunch choices, and dinner entrees, allowing the restaurant to serve customers across several dayparts. Families, travelers, and local regulars may all find a place in the concept. The focus on value and hospitality has helped Country Kitchen build customer loyalty over decades. Its appeal comes from both the food and the comfortable setting, which can make a location a gathering place for the surrounding community. A brand built on trust and tradition may give a new franchisee recognition that a new restaurant would need time to establish. The concept is designed around dependable food and service, with nostalgic appeal for diners who value familiar choices and a consistent experience. These qualities support its position within everyday dining and the broader food service market.

Country Kitchen operates within the full service restaurant industry, a large part of the global economy that contributes substantially to employment and consumer spending. The sector has adjusted to changes in customer preferences, technology, and economic conditions. Consumers continue to seek meals that provide convenience along with a sense of occasion, and classic comfort food has regained attention because it offers familiarity and warmth. Full service dining includes casual family restaurants as well as upscale establishments, with operators working to improve the guest experience, operating efficiency, and sustainable practices. In 2024 and 2025, consumers are increasingly focused on value, quality ingredients, and a welcoming atmosphere, which are central features of the Country Kitchen concept. The industry still faces labor costs and supply chain complexities, but the need for social dining and prepared meals continues to support demand. Country Kitchen can serve different dining occasions, from a quick breakfast meeting to a leisurely family dinner. Performance in this market depends on consistent operations, effective marketing, and an understanding of local conditions. A franchise system can give owners operating guidance and an established framework while they compete in their individual markets.

The Country Kitchen franchise investment is stated as $102,100 to $696,740. The range reflects differences in site size and condition, whether the location involves a new build out or a conversion, and regional construction and labor costs. The lower figure of $102,100 could reflect a smaller restaurant, an existing restaurant space needing limited renovation, or a more limited operating setup. Total startup costs can include the initial franchise fee, leasehold improvements or real estate acquisition, ovens, grills, refrigeration, dishwashing systems, dining furniture and fixtures, food and beverage inventory, signage, point of sale systems, other technology, grand opening marketing, and working capital. Working capital may cover early payroll, utilities, and unexpected expenses during the first weeks or months of operation. The Loan Activity Score for Country Kitchen is 32. PeerSense uses this score as an internal assessment of factors related to the franchise’s potential and perceived stability, while the precise methodology is proprietary. A buyer should review the investment details in the Franchise Disclosure Document and match each cost with available capital, expected opening needs, and the funds required to sustain operations after launch.

Country Kitchen’s operating model is built around a defined system intended to support consistent service, efficient operations, and customer satisfaction across all 41 units. Initial training typically addresses food preparation under brand standards, inventory controls to limit waste and manage costs, customer service, employee hiring, and team management. The franchisor may also assist with site selection by reviewing demographics, traffic patterns, and visibility. After a site is chosen, design and construction guidance can help maintain the brand’s appearance and operating layout, including kitchen flow and dining room seating. Detailed operating manuals can provide direction for daily procedures, maintenance schedules, and quality control. Support after opening may include field consultant visits, performance reviews, help with operating issues, and guidance for local marketing. A preferred vendor network can support supply chain coordination, pricing for ingredients and supplies, and compliance with product specifications. These resources are intended to give franchisees practical direction as they manage a full service restaurant and work to provide a consistent Country Kitchen experience in their communities.

When reviewing the financial prospects of a franchise, a buyer will usually examine the available performance information and build projections based on the specific location. Franchisors are not required to include them, although approximately 66% now choose to disclose this type of information in their FDDs, compared with 52% in 2014. It could also show food, labor, and occupancy costs as percentages of revenue. A buyer should prepare a business plan that includes royalty fees, advertising fund contributions, local marketing expenses, and other costs. Individual full service restaurant results can differ substantially because of location, management, competition, and economic conditions. Industry figures should therefore be considered alongside the Country Kitchen investment, the proposed market, and the expenses of the specific unit.

Country Kitchen currently has 41 units, giving it an established presence in the full service restaurant market and indicating a concept with operating history. The network has continued through different economic cycles and changes in customer dining habits. No specific annual unit expansion rate is provided, so the available unit count does not establish a particular growth trajectory. A system of 41 locations can give a new franchisee existing brand recognition across several regions, which may encourage customers to try a restaurant they associate with a familiar experience. A network of this size may also support purchasing and supply chain efficiencies through supplier negotiations, potentially reducing food and equipment costs for individual owners. Its combined marketing reach can support advertising at a national or regional level, along with shared practices for local store marketing. The operating system has been developed across multiple locations and may include standardized recipes, efficient kitchen layouts, and training programs. Existing franchisees can also provide a peer network for sharing experiences and solutions. Together, brand familiarity, purchasing practices, shared marketing knowledge, operating procedures, and franchisee communication can give a new owner a more defined framework than an independent restaurant starts with.

A suitable Country Kitchen franchisee generally brings entrepreneurial drive, an interest in hospitality, and a commitment to the surrounding community. Direct restaurant experience can help, but business judgment and a record of management or leadership may also be valuable. The owner needs people skills for leading employees and developing customer relationships. Daily responsibilities include inventory control, financial management, food preparation standards, service quality, and adherence to the brand’s operating procedures. Local marketing and community involvement can help connect the restaurant with its market. The franchisee must also have the financial capacity to meet the stated investment requirements, including enough liquid capital for early operating costs and the initial ramp up period. Recruiting, training, and retaining staff is important because service quality is central to a full service restaurant. Country Kitchen locations generally fit areas with strong community ties, accessible customer demographics, and visible sites that can attract local residents and passing traffic. Prospective owners should conduct market research and work with the franchisor’s site selection team when assessing locations.

Country Kitchen offers prospective owners a way to consider entry into the established full service restaurant market under a recognized brand. The support structure includes initial training, operating guidance after opening, and shared marketing resources. Those tools can reduce some of the uncertainty involved in starting an independent restaurant, although the owner remains responsible for evaluating the investment and operating the unit. The current network of 41 units provides evidence of continued operation and brand presence. The investment range of $102,100 to $696,740 covers different development approaches, from a more limited entry to a broader ground up project. The comfort food menu serves several customer groups and dayparts, which may support more than one source of sales. An owner who follows the operating system and participates in the local community may find a role for the restaurant within the local economy. PeerSense is an independent franchise research and commercial capital advisory firm that provides franchise research for buyers evaluating opportunities such as Country Kitchen. PeerSense can help buyers review franchise information and connect with SBA and conventional lending options, but it is not a lender and does not approve or provide loans.

Loan Activity Score

32/100

SBA Default Rate

13.8%

Active Lenders

39

According to its Franchise Disclosure Document or public business records, Country Kitchen has 46 locations, all owned by franchisees. Public SBA loan records show 39 lenders made 58 loans to franchisees of Country Kitchen. PeerSense calculates Country Kitchen's score as 32 out of 100, using public SBA loan performance and recent lending activity.

46 locations

Investment

$102,100 to $696,740

Total Units

46

46 franchised

Loan Activity Score
High
32
SBA Lending
5
Lender Quality
5
Transparency
10
Reach
9
Momentum
3

Proprietary PeerSense metric

Limited
Capital Sources
39SBA lenders

Distinct lenders in public SBA records for Country Kitchen

58

Total SBA loans

$410K

Average loan size

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

Referral fee at closing

SBA Lending Activity for Country Kitchen

Loan Activity Score Breakdown

Established (25 to 99 loans)

High Confidence
32out 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 Confidence5/15

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

Transparency10/15

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

13.8%

vs 10.3% peer avg

SBA Loans

58

Total Volume

$23.8M

Active Lenders

39

1 selective

States

21

vs. SBA Sector Average

-3.5%higher default rate

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

Key Highlights

Data Insights

Key performance metrics for Country Kitchen based on SBA lending data

SBA Default Rate

13.8%

3.5% above peer avg

SBA Loan Volume

58 loans

Across 39 lenders

Lender Diversity

39 lenders

Avg 1.5 loans per lender

Investment Tier

Significant investment

$102,100 to $696,740 total

Country Kitchen: 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

1995

11 approvals. The best year on record for Country Kitchen.

Top SBA State

Minnesota

10 SBA financed Country Kitchen locations, the densest operator footprint.

Average Loan Size

$416K

Median $728K. Use as a sizing anchor when modeling your own Country Kitchen unit.

Lender Concentration

31.3%

Moderately Spread

Share of Country Kitchen approvals captured by the top 3 SBA lenders.

Country Kitchen's SBA lending pipeline peaked in 1995 (11 approvals). The last five fiscal years account for 5% of cumulative volume ($1.4M approved). Operator density is highest in Minnesota with 10 SBA financed locations. Average funded ticket sits at $416K, with the median at $728K. Lender mix is moderately spread: the top three SBA lenders account for 31.3% of approvals. Meaningful choice exists, but specific lenders carry the brand.

Payment Estimator

Loan Amount$82K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$1,057

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

Country Kitchen, unit breakdown

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

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Country Kitchen

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