Cuppa Yo Frozen Yogurt
Franchising since 2010 · 5 locations
The total investment to open a Cuppa Yo Frozen Yogurt franchise ranges from $185,040 - $332,540. The initial franchise fee is $30,000. Ongoing royalties are 6%. Cuppa Yo Frozen Yogurt currently operates 5 locations (5 franchised). The top SBA 7(a) lenders for Cuppa Yo Frozen Yogurt are Simmons Bank, Bank Five Nine and Idaho Central CU. PeerSense FPI health score: 56/100.
$185,040 - $332,540
$30,000
5
5 franchised
Proprietary PeerSense metric
ModerateActive capital sources verified for Cuppa Yo Frozen Yogurt financing
SBA
7(a) Eligible
21d
Avg Funding
P+2.25%
Best Rate
No retainers · Referral fee at closing
FPI Score Breakdown
Emerging (3-9 loans)
SBA Lending Performance
SBA Default Rate
0.0%
0 of 5 loans charged off
SBA Loans
5
Total Volume
$1.3M
Active Lenders
4
States
5
Top SBA Lenders for Cuppa Yo Frozen Yogurt
What is the Cuppa Yo Frozen Yogurt franchise?
Deciding whether to invest in a self-serve frozen yogurt franchise is not a trivial question — it involves committing between $185,040 and $332,540 in startup capital, signing a multi-year agreement, and betting on a consumer category that has undergone significant disruption since its peak in the early 2010s. The smart investor asks a hard sequence of questions before signing: Is this brand in genuine growth mode or managed decline? Does the unit economics model hold up under scrutiny? Who are the founders and what is their track record? Cuppa Yo Frozen Yogurt answers those questions with a story that is worth examining carefully. The brand officially launched its first store on June 2, 2010, in Westside Bend, Oregon, conceived by fun-loving Central Oregon families — with Keith Clayton identified as the Founder and CEO, alongside early contributors including Crystal Lomeli, who later joined the leadership team to help drive growth. The franchise concept itself was formalized in 2021 and began actively franchising in 2022, making Cuppa Yo Frozen Yogurt a genuinely early-stage franchise opportunity with fewer than fifteen years of consumer brand history and approximately three years of franchising experience. As of December 2025, the brand has grown to more than 15 franchised locations operating across eight states, anchored by two original company-owned stores in Bend, Oregon — a city that has become a nationally recognized hub for outdoor lifestyle, health-forward food culture, and young professional density, precisely the demographic sweet spot Cuppa Yo was built to serve. The brand's headquarters remain in Bend, Oregon, reinforcing its Pacific Northwest identity. For investors evaluating a franchise opportunity in the limited-service restaurant category, Cuppa Yo Frozen Yogurt represents a genuine ground-floor entry into a self-serve format with an established consumer brand in its home market and a franchising infrastructure still in its formative years — which means both elevated upside and elevated due diligence responsibility.
The frozen yogurt and broader soft-serve dessert market is a segment worth sizing carefully before any investment decision. The global frozen yogurt market was valued at approximately USD 1.87 billion in 2025 and is projected to reach USD 2.46 billion by 2033, representing a compound annual growth rate of 3.5% over the forecast period — a steady, if not explosive, growth trajectory. A separate market analysis placed the global frozen yogurt segment at USD 1.81 billion in 2024, while another projection anticipates the broader frozen dessert category reaching USD 13.8 billion by 2028 at a 5.0% CAGR, underscoring the fact that methodologies and category definitions produce wide variance in market sizing, but the directional signal is consistent: the category is growing, not contracting. The consumer trends driving that growth are structurally aligned with Cuppa Yo Frozen Yogurt's format and product positioning. Health-conscious consumers are increasingly favoring low-fat, low-sugar, and high-protein frozen treats over traditional ice cream, and the probiotic content of frozen yogurt — believed to support digestion and gut health — has become a genuine differentiator in consumer purchase decisions. The non-dairy and vegan frozen dessert movement is also accelerating, with plant-based frozen yogurt options expanding the addressable market beyond traditional dairy consumers. The self-serve model, specifically, has shown resilience because it creates an experiential retail moment — customers control their portions, select their own toppings, and customize their experience — which generates the kind of participatory engagement that drives repeat visits and social media sharing. Online food delivery platforms are also opening new revenue channels for frozen dessert concepts, with delivery app adoption creating incremental volume that did not exist for the category a decade ago. For franchise investors, the frozen yogurt category sits at the intersection of three durable tailwinds: health and wellness consumer behavior, experiential retail demand, and the growing digital food delivery infrastructure — a combination that makes the category fundamentally more interesting in 2025 than it appeared during the mid-2010s consolidation.
Understanding the full financial commitment of a Cuppa Yo Frozen Yogurt franchise investment requires parsing several figures that vary across sources, and intellectual honesty demands acknowledging those variances rather than papering over them. The franchise fee for a single-unit agreement is listed at $35,000, with a multi-unit package covering two to three locations priced at $50,000 — fees that are designated as non-refundable and non-negotiable upon signing. Some sources cite a $30,000 franchise fee figure, reflecting possible updates or promotional pricing at different points in the brand's franchising history, and prospective investors should confirm the current figure directly in the most recent Franchise Disclosure Document. The total investment range is reported across two primary bands: $231,000 to $402,000 for a non-traditional location format, and a separate estimate of $146,500 to $309,000, while the PeerSense database records an initial investment range of $185,040 to $332,540 — a mid-range figure that aligns with the industry average for the Other Food and Beverage sub-sector, which runs from approximately $210,893 to $461,179. This positions the Cuppa Yo Frozen Yogurt franchise investment as an accessible-to-mid-tier entry relative to its category peers, not a budget concept but also not a capital-intensive full-service restaurant build. The royalty rate is stated as 6% of gross sales in official franchise materials, though a 2022 Franchise Disclosure Document compiled by a third-party aggregator listed royalty fees as zero — a discrepancy significant enough that any serious investor should request clarification directly from the franchisor and review the most current FDD before drawing conclusions. Liquid capital requirements to qualify for a single location are reported at $75,000 by one source, with another citing $35,000 as a minimum cash requirement — again, a range that should be verified against the current FDD. Cuppa Yo has not publicly disclosed participation in SBA financing programs or veteran incentive structures, but given the sub-$350,000 total investment ceiling and the brand's operational simplicity, it likely falls within SBA loan eligibility thresholds that prospective investors should explore with qualified lending partners.
The Cuppa Yo Frozen Yogurt operating model is deliberately engineered for simplicity, which is both a competitive advantage and a key driver of its franchisee value proposition. Daily operations center on a self-serve format where customers dispense their own frozen yogurt from a rotating selection of flavors and load their own toppings from a bar of mix-ins, reducing labor requirements significantly compared to full-service dessert concepts. The POS system, inventory management protocols, and staffing guidelines have been streamlined as part of the franchise infrastructure, meaning franchisees are not building operational systems from scratch. The company provides comprehensive onboarding that includes full access to the Cuppa Yo brand playbook, marketing resources, and an operational support framework. Training is described as hands-on, with open doors and encouragement to train on-site at existing locations — a model that gives new franchisees direct exposure to real customer volume before they open their own doors. Ongoing support includes field coaching, launch campaigns managed by a dedicated marketing team, and seasonal promotional programs that keep the menu fresh throughout the calendar year. The brand's franchise agreement includes marketing guidance, comprehensive training packages, and a commitment to ongoing support that franchisees have described in firsthand accounts as personable and accessible — a quality particularly notable for an emerging brand where personal relationships with the founding team are still possible at the current scale of 15-plus locations. Format options span traditional inline retail locations and non-traditional footprints, giving prospective franchisees some flexibility in site selection. Cuppa Yo prioritizes territories with high foot traffic, median household incomes above $60,000, population densities of at least 50,000 within a three-mile radius, and proximity to office complexes, educational institutions, or complementary retail anchors — a demographic targeting framework that reflects sophisticated site selection discipline for a brand of its size.
Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document for Cuppa Yo Frozen Yogurt, and the 2022 FDD listed average gross revenue as not applicable — a disclosure posture that is legally permissible but limits a prospective investor's ability to model unit-level economics from first-party data. This absence of Item 19 disclosure is common among emerging franchise brands with fewer than 20 units, and it does not by itself signal financial weakness, but it does place a higher burden of proof on the investor through independent validation. What the public record does offer are directional signals worth examining. The brand reported revenue growth during a pandemic year — a notable data point given that the 2020 operating environment devastated many food service concepts — suggesting that the self-serve frozen yogurt format demonstrated meaningful resilience during one of the most disruptive periods in restaurant industry history. Cuppa Yo's stated position is that it offers a very fast potential return on investment relative to its category peers, citing reasonable overhead and startup costs as structural drivers — a claim that is credible given a total investment ceiling below $350,000, the minimal kitchen equipment requirements of a self-serve frozen yogurt model, and the relatively lean labor model that characterizes the format. Industry benchmarks for self-serve frozen yogurt concepts suggest annual revenue ranges of $250,000 to $600,000 per unit depending on market size, traffic volume, and operational execution quality, with mature locations in high-density markets capable of exceeding those figures. The spread between top and bottom performers in the frozen yogurt category is primarily driven by three variables: location traffic quality, franchisee operational engagement, and local marketing intensity — all factors that Cuppa Yo's support infrastructure is explicitly designed to address. Investors conducting due diligence should request audited financials from existing franchisees, speak directly with operators in comparable markets, and use the industry benchmarks above as a framework for building conservative, base-case, and optimistic unit economic models before committing capital.
The Cuppa Yo Frozen Yogurt growth trajectory over the past three years represents one of the more compelling narratives in the emerging franchise segment. Starting from just two company-owned locations in Bend, Oregon, and only two total U.S. locations recorded in the 2022 FDD, the brand has expanded to more than 15 franchised locations across eight states as of December 2025 — a net unit growth rate that reflects a deliberate, regionally sequenced expansion strategy rather than a reckless land-grab. The geographic footprint now spans Oregon, Idaho, Arizona, Texas, California, Kansas, North Carolina, South Carolina, Alabama, and Washington — a distribution that demonstrates the brand's ability to export its Central Oregon identity into geographically and culturally diverse markets. Key milestone openings include the first franchise unit in Buckeye, Arizona, which celebrated its one-year anniversary in January 2024; a North Plains, Oregon location opened August 2023; Willis, Texas in September 2023; Andover in April 2024; Dublin, California in March 2024; La Pine, Oregon in July 2024; Prineville, Oregon in September 2024; Fayetteville in October 2024; and a third Bend location in the Costco plaza planned for summer 2025. The company has established a growth target of 25 units, with near-term expansion prioritizing California, Kansas, North Carolina, and South Carolina. Cuppa Yo celebrated its 15th anniversary on June 2, 2025, and is preparing for a segment on World's Greatest TV — a milestone that reflects brand maturity and growing national awareness. The competitive moat for Cuppa Yo is built on community identity: the brand's Pacific Northwest roots, its "good vibes" positioning, and the franchisee testimonials describing their stores as welcoming third spaces for families create an emotional brand equity that is difficult for generic competitors to replicate quickly. The self-serve model's low labor intensity creates structural margin advantages over full-service dessert concepts, and the brand's decision to grow at a pace that preserves support quality — rather than maximizing unit count at the expense of franchisee outcomes — is a philosophically sound approach that experienced franchise investors will recognize as a positive indicator.
The ideal candidate for a Cuppa Yo Frozen Yogurt franchise opportunity is a community-oriented owner-operator who prioritizes personal engagement with their local customer base over passive investment returns. Franchisees have consistently described the experience of owning a Cuppa Yo as one that enables them to become a genuine part of their community — operating a welcoming gathering space for families, young professionals, and students rather than simply running a transaction-focused food service unit. Prior food service experience is helpful but not listed as a mandatory prerequisite, given the operational simplicity of the self-serve format and the comprehensive onboarding program. Multi-unit ownership is supported and encouraged by the franchise structure, as evidenced by the $50,000 franchise fee package for two to three units, which represents a meaningful discount relative to purchasing single-unit agreements sequentially. Available territories span the brand's current eight-state footprint and extend into priority expansion markets in California, Kansas, North Carolina, and South Carolina, with the Pacific Northwest remaining a foundational growth corridor where brand awareness is highest. Ideal locations combine a population density of at least 50,000 within a three-mile radius with a median household income above $60,000 and proximity to educational institutions or retail anchors that generate sustained foot traffic. The timeline from signed franchise agreement to store opening varies by location and build-out complexity, but the brand's streamlined operational model and on-site training approach are designed to compress that timeline relative to more complex food service formats. Prospective franchisees are encouraged to engage directly with existing operators across the brand's current locations in Oregon, Arizona, Texas, and the Southeast to gather first-person performance data that complements the franchisor's formal disclosure materials.
The investment thesis for Cuppa Yo Frozen Yogurt as a franchise opportunity is grounded in a specific combination of factors that serious investors will find worth rigorous evaluation: an accessible total investment between $185,040 and $332,540, a health-forward self-serve format aligned with durable consumer wellness trends, a founding team with fifteen years of consumer brand equity in a high-profile lifestyle market, and a franchising infrastructure that has demonstrated the ability to grow from two to fifteen-plus units across ten states in approximately three years of active franchising. The brand's PeerSense FPI Score of 56 reflects a Moderate rating — appropriate for an emerging concept with strong growth signals but limited public financial disclosure history — and positions Cuppa Yo Frozen Yogurt as a higher-risk, higher-potential opportunity relative to established franchise brands with longer Item 19 track records. The absence of financial performance representations in the current FDD is the single most important due diligence gap for prospective investors to address through direct franchisee interviews, market analysis, and independent financial modeling. The frozen yogurt market's projected growth from USD 1.87 billion in 2025 to USD 2.46 billion by 2033 at a 3.5% CAGR provides a rising tide context, and Cuppa Yo's positioning as a community-first, experience-driven self-serve concept is well-suited to capture share from consumers seeking healthier, probiotic-forward dessert alternatives. 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 Cuppa Yo Frozen Yogurt against other limited-service restaurant franchise opportunities across every critical investment variable. Explore the complete Cuppa Yo Frozen Yogurt franchise profile on PeerSense to access the full suite of independent franchise intelligence data.
FPI Score
56/100
SBA Default Rate
0.0%
Active Lenders
4
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Cuppa Yo Frozen Yogurt based on SBA lending data
SBA Default Rate
0.0%
0 of 5 loans charged off
SBA Loan Volume
5 loans
Across 4 lenders
Lender Diversity
4 lenders
Avg 1.3 loans per lender
Investment Tier
Mid-range investment
$185,040 – $332,540 total
Cuppa Yo Frozen Yogurt — 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
2025
2 approvals — best year on record for Cuppa Yo Frozen Yogurt.
Top SBA State
California
1 SBA-financed Cuppa Yo Frozen Yogurt locations — the densest operator footprint.
Average Loan Size
$258K
Median $239K — use as a sizing anchor when modeling your own $Cuppa Yo Frozen Yogurt unit.
Lender Concentration
80%
Concentrated
Share of Cuppa Yo Frozen Yogurt approvals captured by the top 3 SBA lenders.
Cuppa Yo Frozen Yogurt's SBA lending pipeline peaked in 2025 (2 approvals). The last five fiscal years account for 100% of cumulative volume ($1.3M approved). Operator density is highest in California with 1 SBA-financed locations. Average funded ticket sits at $258K, with the median at $239K. Lender mix is concentrated: the top three SBA lenders account for 80% of approvals — credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,915
Principal & Interest only
Locations
Cuppa Yo Frozen Yogurt — unit breakdown
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