Cowboy Jack's
The total investment to open a Cowboy Jack's franchise ranges from $6,000 to $11,000. The initial franchise fee is $45,000. Ongoing royalties are 5% plus a 1% advertising fee.
What is the Cowboy Jack's franchise?
Cowboy Jack's is a restaurant offering American comfort food in a Western themed setting. The 2026 Franchise Disclosure Document estimates a total initial investment of $6,000 to $11,000 and lists an initial franchise fee of $45,000.
The royalty is 5 percent of sales, and the advertising or brand fund fee is 1 percent. The franchise agreement term is 10 years.
Cowboy Jack's is headquartered in Minneapolis, MN. It was founded and began franchising in 2025.
Franchisees account for 5 of Cowboy Jack's's 10 locations. Cost figures are based on the 2026 Franchise Disclosure Document. To correct a figure, email the current FDD and the differing item numbers to info@peersense.com, and this page will be updated.
Franchising since 2025 · 10 locations
$6,000 to $11,000
$45,000
10
5 franchised
SBA Lending Activity for Cowboy Jack's
Loan Activity Score
This franchise has not yet been scored by the Franchise Performance Index. Scores are calculated based on public FDD data, SBA loan performance, and system level metrics.
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Cowboy Jack's based on SBA lending data
Investment Tier
Low cost entry
$6,000 to $11,000 total
Why Cowboy Jack's Doesn't Appear in Public SBA Data
The SBA 7(a) program publishes loan level data for every approved franchise borrower. Cowboy Jack's does not currently appear in those public records, and that absence carries useful information for prospective franchisees evaluating this brand.
Likely explanations for the absence
- The brand is relatively new (founded 2025, 1 year ago). Newer franchise systems typically take 3 to 5 years to generate enough SBA 7(a) volume to appear in published data.
- With under 25 units system wide, transaction volume is small enough that any SBA activity could fall below the reporting visibility threshold in any given fiscal year.
- Low capital requirements (under $50K total) often fall below the typical SBA loan threshold, so operators self fund or use personal credit instead.
Absence from SBA records does not mean a brand is un fundable. It typically means the franchise system uses alternative capital sources, or that current franchisees self fund, secure conventional bank financing, or roll over equity from a prior business sale rather than going through an SBA guaranteed 7(a) loan. For prospective Cowboy Jack's franchisees, the practical question is which financing path actually closes for this brand's profile.
Capital paths PeerSense places for food, restaurant & retail concepts
SBA 7(a) Loans
Build out, unit acquisition, and working capital for food and retail franchises.
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Equipment Financing
Kitchen equipment, POS systems, and capital intensive build outs.
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Franchise Partner Buyout Financing
Senior debt for partner buyouts and multi unit roll ups.
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Commercial Real Estate Loans
Owner occupied or investor owned restaurant real estate.
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Payment Estimator
Estimated Monthly Payment
$62
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
Cowboy Jack's, unit breakdown
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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; 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