Gambino's Pizza
The total investment to open a Gambino's Pizza franchise ranges from $47,550 to $243,890. The initial franchise fee is $48,000. Ongoing royalties are 5% plus a 1.25% advertising fee.
What is the Gambino's Pizza franchise?
Gambino's Pizza is a quick service restaurant that sells pizza to customers. Estimated total initial investment is $47,550 to $243,890, and the initial franchise fee is $48,000.
The royalty is 5 percent of sales, and the advertising or brand fund fee is 1.25 percent. The franchise agreement lasts 10 years.
The headquarters is in Russell, Kansas. The brand was founded in 1982.
Loan Activity Score
25/100
SBA Default Rate
13.3%
Active Lenders
13
According to its Franchise Disclosure Document or public business records, Gambino's Pizza has 21 locations, all owned by franchisees. Public SBA loan records show 13 lenders made 15 loans to franchisees of Gambino's Pizza. PeerSense calculates Gambino's Pizza's score as 25 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1982 · 21 locations
$47,550 to $243,890
$48,000
21
21 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Gambino's Pizza
15
Total SBA loans
$108K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Gambino's Pizza
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
13.3%
vs 10.3% peer avg
SBA Loans
15
Total Volume
$1.6M
Active Lenders
13
1 selective
States
3
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 Gambino's Pizza based on SBA lending data
SBA Default Rate
13.3%
3.0% above peer avg
SBA Loan Volume
15 loans
Across 13 lenders
Lender Diversity
13 lenders
Avg 1.2 loans per lender
Investment Tier
Mid range investment
$47,550 to $243,890 total
Gambino's Pizza: 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
2016
3 approvals. The best year on record for Gambino's Pizza.
Top SBA State
Kansas
18 SBA financed Gambino's Pizza locations, the densest operator footprint.
Average Loan Size
$136K
Median $106K. Use as a sizing anchor when modeling your own Gambino's Pizza unit.
Lender Concentration
39.1%
Moderately Spread
Share of Gambino's Pizza approvals captured by the top 3 SBA lenders.
Gambino's Pizza's SBA lending pipeline peaked in 2016 (3 approvals). The last five fiscal years account for 33% of cumulative volume ($1.1M approved). Operator density is highest in Kansas with 18 SBA financed locations. Average funded ticket sits at $136K, with the median at $106K. Lender mix is moderately spread: the top three SBA lenders account for 39.1% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$492
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
Gambino's Pizza, 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