Erbert and Gerberts Sandwich Shop
The total investment to open a Erbert and Gerberts Sandwich Shop franchise ranges from $39,500 to $193,820. The initial franchise fee is $30,000. Ongoing royalties are 6% plus a 2% advertising fee.
What is the Erbert and Gerberts Sandwich Shop franchise?
Erbert and Gerberts Sandwich Shop is a limited service restaurant that sells sandwiches to people looking for a meal. The 2026 Franchise Disclosure Document estimates an initial investment of $39,500 to $193,820 and lists an initial franchise fee of $30,000.
The ongoing royalty is 6 percent of sales, and the advertising or brand fund fee is 2 percent. The franchise agreement lasts 10 years.
The brand was founded in 1987 and began franchising in 1992.
Loan Activity Score
74/100
SBA Default Rate
0.0%
Active Lenders
6
Franchisees account for 56 of Erbert and Gerberts Sandwich Shop's 60 locations. Public SBA loan records show 6 lenders made 10 loans to franchisees of Erbert and Gerberts Sandwich Shop. PeerSense calculates Erbert and Gerberts Sandwich Shop's score as 74 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.
Franchising since 1987 · 60 locations
$39,500 to $193,820
$30,000
60
56 franchised
Proprietary PeerSense metric
StrongDistinct lenders in public SBA records for Erbert and Gerberts Sandwich Shop
10
Total SBA loans
$225K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Erbert and Gerberts Sandwich Shop
Loan Activity Score Breakdown
Growing (10 to 24 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
10
Total Volume
$2.2M
Active Lenders
6
1 selective
States
4
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 Erbert and Gerberts Sandwich Shop based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
10 loans
Across 6 lenders
Lender Diversity
6 lenders
Avg 1.7 loans per lender
Investment Tier
Mid range investment
$39,500 to $193,820 total
Payment Estimator
Estimated Monthly Payment
$409
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
Erbert and Gerberts Sandwich Shop, 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; 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