Egg & I Restaurant (The)
The total investment to open a Egg & I Restaurant (The) franchise ranges from $133,200 to $548,000. The initial franchise fee is $45,000. Ongoing royalties are 4.5% plus a 2% advertising fee.
What is the Egg & I Restaurant (The) franchise?
The Egg & I Restaurant franchise operates in the full service restaurant sector from its headquarters in Denver, CO. The source does not state a founding year. It reports 20 total units, 21 franchised units, and 0 company owned locations. The higher franchised unit count may reflect a transition from company owned operations to franchise ownership or a different reporting method. The brand website, eggstl.com, points to a meaningful regional connection to the St. Louis market, even though the corporate headquarters is in Denver. Egg & I Restaurant focuses on breakfast and lunch within the full service restaurant category, a U.S. market exceeding $300 billion annually. The brand has 21 active locations, each with publicly available Google ratings. These figures give a buyer a basis for reviewing the brand's operating presence and its position in a large daypart focused restaurant market.
Consumers continue to seek dining that combines convenience with quality, especially during breakfast and lunch, which can show greater stability than dinner service. Many diners value community connection, personal service, and the perception of fresh, wholesome ingredients, including within franchise systems. Other market drivers include rising disposable income among key demographic groups, the continued preference for convenience over preparing meals at home, and the cultural appeal of brunch as a weekend social activity. Breakfast and lunch restaurants can serve weekday commuters and business professionals as well as weekend customers seeking leisure and social interaction. Competition remains strong among independent restaurants and established chains. A well executed franchise model can use brand recognition, consistent operating procedures, and a reliable customer offering to pursue market share. The fragmented nature of the restaurant industry leaves room for concepts that deliver a dependable customer experience. Franchise systems may also provide a proven business model, operating assistance, and shared marketing resources, which can reduce some risks compared with opening an independent restaurant.
The reported initial investment for the Egg & I Restaurant franchise ranges from $133,200 to $548,000. Full service restaurant investments can vary widely, often beginning at $300,000 and extending beyond $1 million, based on real estate, construction complexity, and equipment packages. The lower end of the Egg & I Restaurant range may fit a more modest build out in an existing space or a conversion, while the upper end may accommodate new construction or a substantial renovation. The available figures do not state the franchise fee, liquid capital requirement, or net worth requirement. Without those figures, a direct comparison with restaurant franchise fees commonly ranging from $30,000 to $50,000 is not possible. Royalty and advertising fees are also not stated. Across the full service segment, royalties commonly range from 4% to 7% of gross sales, while advertising contributions commonly range from 1% to 3%. These charges generally support brand development, marketing, and continuing corporate assistance. An initial investment for this type of restaurant may include leasehold improvements, kitchen equipment, furnishings, exterior signs, opening food and supply inventory, training, and working capital for early operating expenses. The difference between $133,200 and $548,000 may result from regional real estate prices, the size and condition of the premises, local permits and construction costs, and the equipment and technology package required by the franchisor. A buyer should develop a unit specific budget within that range before deciding whether the opportunity fits available capital.
The Egg & I Restaurant operating model is built around 21 active locations serving the full service breakfast and lunch segment. Daily management generally requires attention to both the front of house customer experience and the back of house food preparation, quality, and sanitation processes. A typical unit may need a general manager, kitchen manager, line cooks, prep cooks, servers, and bussers. Total staffing generally ranges from 15 to 30 employees, depending on unit size, seating capacity, and hours of operation. Possible real estate formats include inline retail space in a shopping center, an end cap location, or a standalone building. Each format affects visibility, customer access, and operating flow. The corporate entity in Denver, CO, would be expected to provide structured training covering brand standards, operating procedures, local marketing, and basic financial management. Training commonly includes several weeks of classroom instruction followed by hands on work at a corporate location or a strong franchise location. Continuing support may include operating reviews and site visits, marketing and promotional assistance, centralized purchasing for consistent products, menu development, and access to operating manuals and software. Territory terms are also significant. Franchisees may receive exclusive rights within a defined area based on population, traffic, or market demographics. Specific multi unit requirements are not stated, but franchisees in this category often need the ability and interest to develop and manage more than one location. The overall support structure is intended to help operators reproduce the brand's service and operating standards across the network.
Buyers therefore need to rely on industry benchmarks, their own projections, and independent research when assessing possible performance. Results depend on local demographics, competition, and the quality of execution at the unit level. Egg & I Restaurant has a Loan Activity Score of 42 (Fair) from PeerSense. The Loan Activity Score is an independent PeerSense measure that considers factors including unit growth trends, franchisee satisfaction, brand longevity, and overall financial stability. A Fair score indicates a system that appears stable and may offer a reasonable investment opportunity, while still requiring close review of its operating and financial details. The brand has 21 active locations with Google ratings, which can offer indirect information about customer satisfaction and local operating conditions. A prospective franchisee should build a detailed model using industry averages, local costs, conservative revenue assumptions, and the specific investment range of $133,200 to $548,000.
The Egg & I Restaurant franchise shows an expansion approach centered on its franchise network. The reported figures include 20 total units and 21 franchised units. The difference may reflect the transfer of company owned locations to franchisees or a reporting method focused on the reach of independent operators. The available information does not state the number of net new units added each year, so a precise annual growth rate cannot be calculated. The presence of 21 active locations, each with Google ratings, does show an operating footprint across the market. Franchise systems in this category often pursue new geographic markets, update menus to reflect changing customer preferences, and refine operations to improve efficiency and the guest experience. Egg & I Restaurant's competitive position is tied to its brand recognition in full service breakfast and lunch, its operating presence across 21 units, and its focused dining experience. Online ordering, loyalty programs, and social media activity are increasingly useful tools for convenience, visibility, and repeat visits. Specific digital initiatives for Egg & I Restaurant are not stated, but concepts in this category commonly use these tools as part of customer engagement. The focused menu and full service format distinguish the brand from fast food and fast casual breakfast competitors while addressing demand for sit down breakfast and lunch.
The likely franchisee profile is an experienced business professional with an operational background, leadership ability, and a genuine interest in hospitality. The available information does not state liquid capital or net worth requirements. A candidate would need enough financial capacity to cover the initial investment of $133,200 to $548,000 and maintain working capital during the early ramp up period. Experience managing multiple units or operating a restaurant can help a franchisee handle staffing, service, purchasing, and other complex responsibilities. Although specific multi unit requirements for Egg & I Restaurant are not stated, franchisors often prefer partners who can develop and manage several locations in a defined territory. That approach can increase market coverage, brand visibility, and operating efficiencies. Territory selection would be guided by the franchisor's growth plan and by markets with demographics that match the customer base. Potential areas may include urban centers, suburban communities, and high traffic commercial zones. The period from signing the franchise agreement to opening an Egg & I Restaurant can range from 6 to 12 months. It may include finding and securing real estate, completing a build out or renovation, obtaining permits and licenses, and finishing required training. The agreement term is not stated. Franchise agreements of this type commonly run from 10 to 20 years and may include renewal options, giving an operator time to build equity and establish the business.
The Egg & I Restaurant franchise operates in the full service breakfast and lunch segment and reports 21 active franchised units. Its focused menu gives the brand a defined position within a broad customer market. The initial investment range of $133,200 to $548,000 may suit experienced restaurant operators or entrepreneurs evaluating a full service concept, subject to their capital and the final unit budget. Egg & I Restaurant has a Loan Activity Score of 42 (Fair) from PeerSense, indicating a system that merits further review rather than an assumption of exceptional growth. Its operating model is supported by training, marketing assistance, operating guidance, product sourcing, menu development, and other forms of corporate support described for the franchise. A buyer considering the brand should examine the investment range, staffing needs, territory terms, projected sales, operating expenses, and the risks tied to location and restaurant execution. PeerSense is a commercial capital advisory firm that introduces franchise buyers to SBA and conventional lenders. PeerSense is not a lender, and buyers remain responsible for independent due diligence, financial analysis, and reviewing the terms and risks of the opportunity.
Loan Activity Score
42/100
SBA Default Rate
8.0%
Active Lenders
15
According to its Franchise Disclosure Document or public business records, Egg & I Restaurant (The) has 21 locations, all owned by franchisees. Public SBA loan records show 15 lenders made 25 loans to franchisees of Egg & I Restaurant (The). PeerSense calculates Egg & I Restaurant (The)'s score as 42 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1987 · 21 locations
$133,200 to $548,000
$45,000
21
21 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Egg & I Restaurant (The)
25
Total SBA loans
$366K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Egg & I Restaurant (The)
Loan Activity Score Breakdown
Established (25 to 99 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
8.0%
vs 10.3% peer avg
SBA Loans
25
Total Volume
$9.2M
Active Lenders
15
3 selective
States
10
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 Egg & I Restaurant (The) based on SBA lending data
SBA Default Rate
8.0%
2.3% below peer avg
SBA Loan Volume
25 loans
Across 15 lenders
Lender Diversity
15 lenders
Avg 1.7 loans per lender
Investment Tier
Significant investment
$133,200 to $548,000 total
Egg & I Restaurant (The): 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
2012
6 approvals. The best year on record for Egg & I Restaurant (The).
Top SBA State
Colorado
11 SBA financed Egg & I Restaurant (The) locations, the densest operator footprint.
Average Loan Size
$366K
Median $350K. Use as a sizing anchor when modeling your own Egg & I Restaurant (The) unit.
Lender Concentration
36%
Moderately Spread
Share of Egg & I Restaurant (The) approvals captured by the top 3 SBA lenders.
Egg & I Restaurant (The)'s SBA lending pipeline peaked in 2012 (6 approvals). Operator density is highest in Colorado with 11 SBA financed locations. Average funded ticket sits at $366K, with the median at $350K. Lender mix is moderately spread: the top three SBA lenders account for 36% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$1,379
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
Egg & I Restaurant (The), 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