Gloria Jean's Coffees
The total investment to open a Gloria Jean's Coffees franchise ranges from $56,350 to $373,710. The initial franchise fee is $25,000. Ongoing royalties are 6% plus a 2% advertising fee.
What is the Gloria Jean's Coffees franchise?
Gloria Jean's Coffees began in 1979, when Gloria Jean Kvetko opened a coffee and gift shop in Long Grove, a town outside Chicago, Illinois, United States. The business began franchising in 1986 and had nearly 225 US stores by 1993. Expansion under Australian ownership later shifted the headquarters from Chicago to Castle Hill, Sydney, Australia. In 1995, Nabi Saleh and Peter Irvine established Gloria Jean's Coffees Australia and obtained Australian franchise rights from Coffee People. They opened the first Australian coffee house in late 1996 at Westfield Miranda in Sydney. Gloria Jean's Coffees Australia purchased branding and roasting rights outside the United States and Puerto Rico from Diedrich Coffee, Inc. in 2004, creating Gloria Jean's Coffees International. In 2009, the company acquired the US and Puerto Rican franchise rights from Diedrich Coffee, Inc. and obtained exclusive worldwide franchising rights. As of August 2023, the brand had 607 stores in 33 markets, including 466 outside Australia and 141 in Australia. Its About Us page reported over 600 stores in 40 countries, while Wikipedia reported 599 stores in 40 countries, including over 140 in Australia. The United States had 47 outlets in August 2023, down from 58 in April 2019, although several additional locations were scheduled to open that year. Franchise Gator, using 2022 FDD data, estimated 635 US units. Internationally, the brand had 536 outlets in 28 licensed markets in February 2025, and Australia had 136 stores on December 31, 2024. In Australia, Gloria Jean's Coffees is a large proprietary limited company in the tertiary hospitality sector. The global coffee market was valued at $225.2 billion in 2023 and is projected to reach $354.2 billion by 2032, with a compound annual growth rate of 5.2%.
The global coffee shop market was valued at $225.2 billion in 2023 and is projected to reach $354.2 billion by 2032, reflecting a compound annual growth rate of 5.2%. Demand is supported by higher disposable incomes in emerging economies, rising coffee consumption, and interest in specialty and premium products. Convenience also matters, with drive through service and on the go purchases fitting changing consumer routines. Remote work has increased the use of coffeehouses as places to socialize, work, and relax. Urbanization and the spread of coffee culture add to category demand. Competition includes a small group of large global chains alongside many independent cafes and regional operators. Gloria Jean's Coffees uses several store formats, including kiosks and drive through locations, allowing placement in malls and street front properties. Daily coffee consumption and opportunities for technology in ordering and loyalty programs continue to support franchise interest.
The initial franchise fee generally ranges from $15,000 to $25,000, although some sources cite $20,000 or $30,000. Detailed 2025/2026 FDD data places total initial investment from $210,000 to $541,000. Other reported ranges are $173,150 to $473,000, $200,000 to $450,000, and $416,919 to $563,772. A small store without a drive through is estimated at $327,919 to $414,519, while an average store without a drive through ranges from $377,919 to $450,519. A store with a drive through is estimated at $416,919 to $541,372. A kiosk requires $209,919 to $317,519. These amounts include construction and leasehold improvements, coffee equipment, initial inventory, and early operating costs. The ongoing royalty fee is 6% of gross sales. Gloria Jean's Coffees is part of Retail Food Group, an Australian multinational fast casual restaurant conglomerate that acquired the brand in 2014 for AU$163.5 million, equivalent to approximately $105.3 million. Matthew Marshall was RFG's CEO as of August 2023. Brian Balconi was President of Retail Food Group USA, the parent company of Gloria Jean's Coffees, in 2017.
The operating model centers on specialty coffee preparation, customer service, inventory control, and compliance with established quality and operating standards. Stores generally use baristas supported by shift supervisors and a store manager. Drive through locations place greater emphasis on speed, while traditional cafes may focus more on customer dwell time. Franchisees can choose small stores without drive throughs, average stores without drive throughs, full service stores with drive throughs, or kiosks. These formats support locations in malls, street front properties, and other nontraditional sites. Specific details about the length and location of initial training are not provided. RFG's corporate support includes supply chain access, marketing programs, and guidance from field consultants. The company planned to launch self serve kiosks in 2024 and was exploring European drive through stores at petrol station sites. In April 2019, a multi unit development agreement called for at least seven locations in Northwest Indiana and parts of Southern Chicago, with the first drive through in Crown Point, Indiana, scheduled for early June. RFG also planned to open 100 new Gloria Jean's cafes in the United States over the three years following August 2023.
Industry benchmarks can still help frame an assessment. Gloria Jean's Coffees has brand recognition and an international presence of over 600 stores across 40 countries. RFG's 2014 acquisition for AU$163.5 million, equivalent to approximately $105.3 million, represents a significant corporate investment. The brand operated 607 stores across 33 markets in August 2023, with 466 outside Australia and 141 in Australia. In November 2024, RFG acquired the Adelaide based chain CIBO Espresso for AU$2.7 million and planned to convert 22 South Australian stores to Gloria Jean's outlets by the fourth quarter of 2025. RFG's US expansion plan and exploration of European drive through stores indicate continued interest in the brand's unit economics and market reach. Gloria Jean's Coffees received a Loan Activity Score of 47, rated Fair, so buyers should conduct detailed due diligence on store level performance and operating costs.
The brand had nearly 900 locations worldwide by 2017 and more than 1,000 coffee houses across 39 markets by 2018, including over 460 in Australia. By August 2023, the reported network had consolidated to 607 stores across 33 markets, with 466 outside Australia and 141 in Australia. Australia had 136 stores on December 31, 2024, while international operations included 536 outlets in 28 licensed markets in February 2025. Planned US growth has focused on the Midwest, the Northeast United States, and California, including metropolitan areas around Chicago, New York, Philadelphia, and Washington D.C. The strategy targets mall locations and street front properties. The April 2019 agreement for at least seven stores in Northwest Indiana and Southern Chicago included a first drive through in Crown Point, Indiana, scheduled for early June. RFG planned 100 new US cafes over the three years following August 2023. It was also exploring European drive through stores at petrol stations and planned self serve kiosks in 2024. In November 2024, RFG acquired CIBO Espresso for AU$2.7 million, or $1.7 million. The transaction was expected to finalize in July 2025, after which the CIBO brand would be discontinued and 22 South Australian stores converted to Gloria Jean's outlets by the fourth quarter of 2025. The strategy expands the system through additional units, store formats, and RFG's supply chain and operating resources.
The typical franchisee is an experienced business operator with management skills and the financial capacity to grow the business. The brand's focus on multi unit development, including the agreement for at least seven locations in Northwest Indiana and Southern Chicago, suggests a preference for individuals or groups able to manage multiple units rather than only an owner operator model. Prior hospitality or retail experience, especially managing multiple units, would be advantageous.
Loan Activity Score
47/100
SBA Default Rate
0.0%
Active Lenders
6
According to its Franchise Disclosure Document or public business records, Gloria Jean's Coffees has 7 locations, all owned by franchisees. Public SBA loan records show 6 lenders made 8 loans to franchisees of Gloria Jean's Coffees. PeerSense calculates Gloria Jean's Coffees's score as 47 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2025 Franchise Disclosure Document.
Franchising since 1979 · 7 locations
$56,350 to $373,710
$25,000
7
7 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Gloria Jean's Coffees
8
Total SBA loans
$287K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Gloria Jean's Coffees
Loan Activity Score Breakdown
Emerging (3 to 9 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
8
Total Volume
$2.3M
Active Lenders
6
States
6
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 Gloria Jean's Coffees based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
8 loans
Across 6 lenders
Lender Diversity
6 lenders
Avg 1.3 loans per lender
Investment Tier
Mid range investment
$56,350 to $373,710 total
Gloria Jean's Coffees: 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
2019
2 approvals. The best year on record for Gloria Jean's Coffees.
Top SBA State
Texas
3 SBA financed Gloria Jean's Coffees locations, the densest operator footprint.
Average Loan Size
$355K
Median $350K. Use as a sizing anchor when modeling your own Gloria Jean's Coffees unit.
Lender Concentration
83.3%
Concentrated
Share of Gloria Jean's Coffees approvals captured by the top 3 SBA lenders.
Gloria Jean's Coffees's SBA lending pipeline peaked in 2019 (2 approvals). The last five fiscal years account for 25% of cumulative volume ($1.0M approved). Operator density is highest in Texas with 3 SBA financed locations. Average funded ticket sits at $355K, with the median at $350K. Lender mix is concentrated: the top three SBA lenders account for 83.3% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$583
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
Gloria Jean's Coffees, 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
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