Goosehead Insurance
The total investment to open a Goosehead Insurance franchise ranges from $66,000 to $108,500. The initial franchise fee is $50,000. Ongoing royalties are 20% plus a 2% advertising fee.
What is the Goosehead Insurance franchise?
Goosehead Insurance is an insurance agency and brokerage that helps customers find insurance policies. The estimated total initial investment is $66,000 to $108,500, and the initial franchise fee is $50,000. These cost and fee figures are from the 2026 Franchise Disclosure Document.
The royalty is 20 percent of sales, and the advertising or brand fund fee is 2 percent. The franchise agreement term is 10 years.
Goosehead Insurance was founded in 2003 and began franchising in 2011. Its headquarters are in Bryan, Texas.
Loan Activity Score
66/100
SBA Default Rate
2.1%
Active Lenders
31
Franchisees account for 1,103 of Goosehead Insurance's 1,115 locations. Public SBA loan records show 31 lenders made 48 loans to franchisees of Goosehead Insurance. PeerSense calculates Goosehead Insurance's score as 66 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.
Franchising since 2003 · 1,115 locations
$66,000 to $108,500
$50,000
1,115
1,103 franchised
Proprietary PeerSense metric
StrongDistinct lenders in public SBA records for Goosehead Insurance
48
Total SBA loans
$250K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Goosehead Insurance
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
2.1%
vs 2.4% peer avg
SBA Loans
48
Total Volume
$12.0M
Active Lenders
31
4 selective
States
18
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 Goosehead Insurance based on SBA lending data
SBA Default Rate
2.1%
0.3% below peer avg
SBA Loan Volume
48 loans
Across 31 lenders
Lender Diversity
31 lenders
Avg 1.5 loans per lender
Investment Tier
Low cost entry
$66,000 to $108,500 total
Goosehead Insurance: 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
2025
11 approvals. The best year on record for Goosehead Insurance.
Top SBA State
Texas
12 SBA financed Goosehead Insurance locations, the densest operator footprint.
Average Loan Size
$250K
Median $100K. Use as a sizing anchor when modeling your own Goosehead Insurance unit.
Lender Concentration
27.1%
Moderately Spread
Share of Goosehead Insurance approvals captured by the top 3 SBA lenders.
Goosehead Insurance's SBA lending pipeline peaked in 2025 (11 approvals). The last five fiscal years account for 65% of cumulative volume ($11M approved). Operator density is highest in Texas with 12 SBA financed locations. Average funded ticket sits at $250K, with the median at $100K. Lender mix is moderately spread: the top three SBA lenders account for 27.1% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$683
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
Goosehead Insurance, 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