Fazoli's
The total investment to open a Fazoli's franchise ranges from $25,000 to $1.3M. The initial franchise fee is $40,000. Ongoing royalties are 5% plus a 4% advertising fee.
What is the Fazoli's franchise?
Fazoli's is a quick service restaurant offering Italian food, including pasta, to diners. The estimated total initial investment is $25,000 to $1,345,560, and the initial franchise fee is $40,000, according to the 2025 Franchise Disclosure Document.
The royalty is 5 percent, and the advertising or brand fund fee is 4 percent. The liquid capital required is $500,000.
The franchise agreement term is 15 years. Fazoli's was founded in 1988 and is headquartered in PLANT CITY, FL.
Loan Activity Score
64/100
SBA Default Rate
5.1%
Active Lenders
34
According to its Franchise Disclosure Document or public business records, Fazoli's has 46 locations, all owned by franchisees. Public SBA loan records show 34 lenders made 59 loans to franchisees of Fazoli's. PeerSense calculates Fazoli's's score as 64 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2025 Franchise Disclosure Document.
Franchising since 1988 · 46 locations
$25,000 to $1.3M
$40,000
46
46 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Fazoli's
59
Total SBA loans
$657K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Fazoli's
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
5.1%
vs 10.3% peer avg
SBA Loans
59
Total Volume
$38.8M
Active Lenders
34
5 selective
States
20
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 Fazoli's based on SBA lending data
SBA Default Rate
5.1%
5.2% below peer avg
SBA Loan Volume
59 loans
Across 34 lenders
Lender Diversity
34 lenders
Avg 1.7 loans per lender
Investment Tier
Significant investment
$25,000 to $1,345,560 total
Fazoli's: 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
1995
8 approvals. The best year on record for Fazoli's.
Top SBA State
Georgia
7 SBA financed Fazoli's locations, the densest operator footprint.
Average Loan Size
$657K
Median $722K. Use as a sizing anchor when modeling your own Fazoli's unit.
Lender Concentration
42.4%
Concentrated
Share of Fazoli's approvals captured by the top 3 SBA lenders.
Fazoli's's SBA lending pipeline peaked in 1995 (8 approvals). The last five fiscal years account for 20% of cumulative volume ($13M approved). Operator density is highest in Georgia with 7 SBA financed locations. Average funded ticket sits at $657K, with the median at $722K. Lender mix is concentrated: the top three SBA lenders account for 42.4% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$259
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
Fazoli'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; 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