Expense Reduction Analysts
The total investment to open a Expense Reduction Analysts franchise ranges from $76,000 to $105,900. The initial franchise fee is $69,900. Ongoing royalties are 15% plus a 3% advertising fee.
What is the Expense Reduction Analysts franchise?
Expense Reduction Analysts is a consulting business that helps companies reduce costs. The 2026 Franchise Disclosure Document lists an estimated total initial investment of $76,000 to $105,900 and an initial franchise fee of $69,900.
The royalty is 15 percent of sales, and the advertising or brand fund fee is 3 percent. The franchise agreement lasts 10 years. Initial training lasts 10 days.
The brand was founded in 1984 and began franchising in 2002. Its headquarters are in MI.
Loan Activity Score
44/100
SBA Default Rate
10.0%
Active Lenders
4
Franchisees account for 161 of Expense Reduction Analysts's 163 locations. Public SBA loan records show 4 lenders made 10 loans to franchisees of Expense Reduction Analysts. PeerSense calculates Expense Reduction Analysts's score as 44 out of 100, using public SBA loan performance and recent lending activity. 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 1984 · 163 locations
$76,000 to $105,900
$69,900
163
161 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Expense Reduction Analysts
10
Total SBA loans
$110K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Expense Reduction Analysts
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
10.0%
vs 9.9% peer avg
SBA Loans
10
Total Volume
$1.1M
Active Lenders
4
States
7
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 Expense Reduction Analysts based on SBA lending data
SBA Default Rate
10.0%
0.1% above peer avg
SBA Loan Volume
10 loans
Across 4 lenders
Lender Diversity
4 lenders
Avg 2.5 loans per lender
Investment Tier
Low cost entry
$76,000 to $105,900 total
Expense Reduction Analysts: 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
2021
2 approvals. The best year on record for Expense Reduction Analysts.
Top SBA State
Michigan
3 SBA financed Expense Reduction Analysts locations, the densest operator footprint.
Average Loan Size
$110K
Median $129K. Use as a sizing anchor when modeling your own Expense Reduction Analysts unit.
Lender Concentration
90%
Concentrated
Share of Expense Reduction Analysts approvals captured by the top 3 SBA lenders.
Expense Reduction Analysts's SBA lending pipeline peaked in 2021 (2 approvals). The last five fiscal years account for 40% of cumulative volume ($600K approved). Operator density is highest in Michigan with 3 SBA financed locations. Average funded ticket sits at $110K, with the median at $129K. Lender mix is concentrated: the top three SBA lenders account for 90% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$787
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
Expense Reduction Analysts, unit breakdown
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Scan Your Deal Instantly3 FDDs Available for Expense Reduction Analysts
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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