Gumby's Pizza International, I
Franchising since 1985 · 3 locations
The total investment to open a Gumby's Pizza International, I franchise ranges from $79,500 - $150,000. The initial franchise fee is $195,000. Gumby's Pizza International, I currently operates 3 locations (3 franchised). The top SBA 7(a) lenders for Gumby's Pizza International, I are Colonial Savings FA, PlainsCapital Bank and Readycap Lending, LLC. PeerSense FPI health score: 48/100.
$79,500 - $150,000
$195,000
3
3 franchised
Proprietary PeerSense metric
FairActive capital sources verified for Gumby's Pizza International, I financing
SBA
7(a) Eligible
21d
Avg Funding
P+2.25%
Best Rate
No retainers · Referral fee at closing
FPI Score Breakdown
Emerging (3-9 loans)
SBA Lending Performance
SBA Default Rate
0.0%
0 of 3 loans charged off
SBA Loans
3
Total Volume
$0.5M
Active Lenders
3
States
2
Top SBA Lenders for Gumby's Pizza International, I
What is the Gumby's Pizza International, I franchise?
For prospective investors navigating the dynamic, multi-billion dollar foodservice industry, the critical challenge lies in identifying a franchise opportunity that aligns with market trends, offers a clear operational model, and presents a viable path to profitability without succumbing to the common pitfalls of insufficient due diligence. Gumbys Pizza International I, a brand with a distinctive history and a focused market appeal, presents such an opportunity within the robust U.S. pizza segment. The journey of Gumby's Pizza began in 1985, co-founded by Chance Hippler and Jeff O'Brien, two finance majors who made the bold decision to leave the University of Florida and launch their first pizza establishment in downtown Gainesville, Florida. This initial venture rapidly gained traction, evolving from a single store into what was described as a "movement" with "more popping up each year." While the original corporation maintains its base in Florida, the brand's footprint has expanded across various U.S. states, including Florida, Georgia, North Carolina, Texas, Virginia, Pennsylvania, Ohio, Michigan, Kansas, Iowa, Wisconsin, and Missouri, indicating a broad geographic reach, albeit with a concentrated unit count. According to the most recent franchise data, Gumbys Pizza International I currently operates with 3 total units, all of which are franchised, with 0 company-owned locations, reflecting a purely franchised model. However, broader web research indicates Gumby's Pizza International has 9 units in operation, and historically, the brand had consolidated from a peak of 35 or 36 stores nationwide, suggesting a complex growth trajectory. The total addressable market for the U.S. pizza restaurant industry is projected to generate $50.1 billion in revenues in 2024, supported by more than 74,000 pizzeria businesses, with steady growth anticipated to reach $50.7 billion by 2034 at a Compound Annual Growth Rate (CAGR) of 2.95% from 2026 to 2034. This substantial market, coupled with the brand's unique positioning catering to a budget-conscious, late-night, or student demographic with its "thick soft crust, thick sauce and thick cheese" pizza, makes a Gumbys Pizza International I franchise investment a specific consideration for those targeting a niche within this expansive sector. Our independent analysis at PeerSense aims to provide a data-rich evaluation, distinctly separate from marketing rhetoric, to inform your crucial investment decisions.
The broader industry landscape within which Gumbys Pizza International I operates is characterized by significant scale and consistent growth, particularly within the limited-service restaurant (LSR) and pizza sectors. The global foodservice market, a colossal entity, was estimated at USD 3,099.66 billion in 2023 and is projected to surge to USD 3,787.47 billion by 2030, demonstrating a robust Compound Annual Growth Rate (CAGR) of 3.0% from 2024 to 2030. North America alone accounted for over 24.09% of this global revenue share in 2023, underscoring the region's importance. Focusing more acutely, the global limited-service restaurant market was valued at $871.02 billion in 2025 and is anticipated to expand at a rate of 5.7% to approximately $1436 billion by 2034. Within the United States, the LSR market is estimated at $97.85 billion in 2025 and is projected to achieve a CAGR of 6.45% to reach $133.71 billion by 2030, with over 159,000 limited-service restaurant locations as of 2025. This environment is propelled by several key consumer trends, notably an increasing demand for convenience and speed, evidenced by a surge in drive-thru services and mobile ordering capabilities. Delivery platforms are expanding, with delivery sales in the limited-service sector witnessing a substantial increase of over 20% in the past year alone. Over 65% of quick-service restaurant visitors utilize mobile order-ahead applications, a figure that climbs to nearly 90% among the 18-24-year-old demographic, highlighting the digital imperative. Speed is universally acknowledged as "critical" by 95% of consumers for their takeout experience. The U.S. pizza restaurant industry specifically is projected to generate revenues of $50.1 billion in 2024 from more than 74,000 pizzeria businesses, growing to $50.7 billion by 2034 with a CAGR of 2.95% from 2026 to 2034. Key growth drivers include the expansion of digital ordering, continuous menu innovation, and the ongoing migration of casual dining customers towards fast-casual and delivery-focused pizza formats. While consumer behavior shifts indicate a slight decline in monthly delivery ordering from 61% in 2022 to 55% in 2025, value strategies and online orders continue to dominate the sector. These secular tailwinds, including the persistent demand for convenience, digital accessibility, and value-driven options, create a fertile ground for a Gumbys Pizza International I franchise opportunity, especially given its established niche targeting.
Evaluating the Gumbys Pizza International I franchise cost and overall investment requires a careful examination of the initial and ongoing financial commitments. For a new Gumbys Pizza International I franchise, the franchise fee is $195,000 for the rights to establish a new location. This figure represents a substantial upfront capital requirement, especially when compared to the total investment range provided. The total investment required to open a Gumbys Pizza International I franchise is stated to range from a minimum of $79,500 to a high end of $150,000. This presents a notable discrepancy, as the stated franchise fee of $195,000 significantly exceeds the high end of the total investment range of $150,000. This could imply that the franchise fee constitutes a majority, or even the sole component, of the initial investment, or it may indicate a need for further clarification on the breakdown of these figures. For context, typical franchise fees across the broader limited-service restaurant category can vary widely, but a $195,000 fee positions Gumbys Pizza International I at a higher tier for initial buy-in. Information regarding specific liquid capital and net worth requirements for a Gumbys Pizza International I franchise investment was not found in the available research. Similarly, specific royalty rates or advertising fund contributions for Gumbys Pizza International I were not identified. However, within the broader pizza franchise industry, royalty fees commonly range from 5% to 6% of gross sales, while advertising fees typically contribute around 5% of gross sales, paid to the franchisor to support brand use, marketing strategies, and national and local advertising initiatives. The absence of specific figures for Gumbys Pizza International I necessitates that prospective franchisees budget based on industry averages for ongoing fees. Considering the $195,000 franchise fee in isolation, this represents a premium entry point for a franchise with 3 units, suggesting that a Gumbys Pizza International I franchise investment is a significant financial commitment. The co-founders, Chance Hippler and Jeff O'Brien, are identified as the owners and co-founders of the original corporation, which is still based out of Florida, but no specific CEO or overarching parent company for the franchise system as a whole was identified beyond their ownership.
The operating model for a Gumbys Pizza International I franchise is designed for efficiency and high-volume service, particularly appealing to a student demographic and late-night crowd. Daily operations for a Gumbys Pizza International I franchisee would likely center around managing a steady flow of orders, emphasizing speed and convenience, a critical factor for 95% of consumers in their takeout experience. An example of this operational focus comes from a co-owner of a Gumby's location in College Station, Texas, who adjusted their business plan to accommodate a growing student population by shifting from making pizza rolls to order to maintaining a constant stream of ready-made pizza rolls. This strategic adaptation was specifically implemented to meet the high demand, especially during promotions like "75 cent pizza roll Tuesdays," demonstrating a direct response to consumer behavior and the need for quick service. Staffing requirements would involve assembling a team capable of handling peak periods efficiently, with general employee reviews for Gumby's Pizza locations mentioning flexible schedules, often catering to students, and a fun staff environment. The operational routine also includes efficient cleaning processes at the end of each night, ensuring consistent standards. While specific details on format options such as drive-thru, inline, or non-traditional units were not provided, the operational focus on quick service and high volume suggests a streamlined setup. The research did not provide specific details regarding the training program or the support structure offered to Gumbys Pizza International I franchisees. However, general franchise industry best practices suggest that comprehensive training programs, including hands-on experience and operational manuals, are crucial for franchisee success, as is ongoing corporate support through field consultants, technology platforms for order management, and centralized marketing programs to maintain brand consistency and drive sales. Information on territory structure and exclusivity for a Gumbys Pizza International I franchise, as well as multi-unit requirements or the preferred owner-operator versus absentee model, was not available.
When considering a Gumbys Pizza International I franchise opportunity, financial performance is a paramount concern for potential investors. It is explicitly stated that Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document (FDD) for Gumbys Pizza International I. This means that the franchisor does not provide average revenue per unit, median revenue, or profit margin information, which are critical metrics for evaluating a Gumbys Pizza International I franchise investment. The web research findings corroborate this, indicating no specific average revenue per unit, median revenue, or profit margin information for Gumby's Pizza International was found, nor any indication of financial performance representations in its Item 19. This non-disclosure is not uncommon, as only about 1% of franchisors voluntarily provide such detailed earnings information. Consequently, prospective franchisees must rely on broader industry benchmarks and the brand's operational characteristics to infer potential performance. The U.S. pizza restaurant industry, for instance, is a robust market projected to generate $50.1 billion in revenues in 2024, growing to $50.7 billion by 2034. Within this market, Gumbys Pizza International I positions itself to cater to a specific demographic, often characterized as "low on cash" or seeking "after 4+ beers" kind of pizza, suggesting a high-volume, value-driven model. Customer descriptions of "slutty pizza" with "thick soft crust, thick sauce and thick cheese" further reinforce this niche, implying that unit-level performance would be driven by high transaction counts at a potentially lower average ticket size. The FPI Score of 48 (Fair) for Gumbys Pizza International I suggests a moderate level of overall franchise health and performance, which, in the absence of Item 19 data, indicates that while the brand is not without merit, it warrants thorough due diligence. The historical growth trajectory, from a single store in 1985 to a peak of 35 or 36 stores nationwide, followed by consolidation to the current 3 franchised units (or 9 units for the broader Gumby's Pizza International brand), also suggests that sustained, high-level unit performance has been a challenge, or that strategic shifts have occurred. Therefore, without specific Gumbys Pizza International I franchise revenue figures, investors must deeply investigate local market potential, operational costs, and real-world sales data from existing locations to construct a realistic financial projection for a Gumbys Pizza International I franchise.
The growth trajectory of Gumbys Pizza International I, while demonstrating early dynamism, also reveals a period of significant consolidation, which is a crucial aspect for any prospective Gumbys Pizza International I franchise investor to understand. Founded in 1985, the brand rapidly expanded from its initial Gainesville, Florida location, with "more popping up each year," eventually reaching a peak of 35 or 36 stores nationwide. However, this growth was followed by a period of consolidation, as one co-owner noted, resulting in "now only has few locations across the United States." Currently, Gumbys Pizza International I operates 3 franchised units, while the broader Gumby's Pizza International brand has 9 units in operation, indicating a substantial reduction from its historical peak. This trend suggests that while the concept has proven appeal, scaling and maintaining a large chain presented challenges. Recent corporate developments for Gumby's Pizza International I are limited but include the introduction of a new homemade jalapeno ranch dressing a couple of years prior to a 2022 article, showcasing ongoing product innovation. The brand has maintained its status as a "staple" in specific markets, such as Columbia, Missouri, for a decade as of 2012, indicating strong local loyalty in established areas. While the brand states it is "expanding into new markets" and actively "looking for partners to build something big," concrete recent expansion plans beyond this general statement, or news of acquisitions, rebrands, significant technology investments, leadership changes, or awards, were not found. The competitive moat for a Gumbys Pizza International I franchise primarily stems from its distinct brand recognition and product differentiation within its niche market. The "slutty pizza" characterization, with its "thick soft crust, thick sauce and thick cheese," caters to a specific consumer craving, particularly among students and the late-night crowd. This unique product offering and target demographic create a loyal customer base in its established markets. The brand's adaptation to current market conditions is exemplified by operational adjustments, such as shifting from made-to-order pizza rolls to maintaining a constant stream of ready-made ones to accommodate high demand, especially on "75 cent pizza roll Tuesdays," demonstrating responsiveness to consumer preferences for speed and value. While specific digital transformation, delivery integration, or sustainability initiatives were not detailed, the broader industry trends of mobile ordering and delivery are critical for any pizza concept to leverage for sustained growth within the U.S. pizza restaurant industry, projected to reach $50.7 billion by 2034.
The ideal Gumbys Pizza International I franchisee is an individual who possesses a strong entrepreneurial spirit and a keen understanding of high-volume, quick-service restaurant operations, particularly within a demographic that values convenience and affordability. While specific required experience or management background for a Gumbys Pizza International I franchise was not explicitly stated, the operational insights from existing locations suggest that an owner-operator with hands-on management skills would be highly beneficial. The emphasis on accommodating high demand efficiently, such as managing a constant stream of ready-made pizza rolls for "75 cent pizza roll Tuesdays," implies that a franchisee must be adept at operational execution and staff management, potentially leveraging flexible schedules for student employees. An experienced franchisee noted that active owner involvement and diligent management are crucial for franchise success, particularly in optimizing costs and enhancing profitability. Given the brand's history of consolidation from 35-36 units to the current 3 franchised units for Gumbys Pizza International I, an ideal candidate would also possess a strategic mindset to navigate potential market complexities and build a resilient business. The available territories for a Gumbys Pizza International I franchise are broad, with existing locations spread across Florida, Georgia, North Carolina, Texas, Virginia, Pennsylvania, Ohio, Michigan, Kansas, Iowa, Wisconsin, and Missouri. This wide geographic distribution, despite a relatively small current unit count, indicates potential for expansion in diverse markets, and the brand's stated intent of "expanding into new markets" suggests opportunities for new partners. Specific information on what markets perform best or a typical timeline from signing the franchise agreement to opening a Gumbys Pizza International I location was not provided. Similarly, details regarding multi-unit expectations or requirements, the franchise agreement term length, renewal terms, or considerations for transfer and resale of a Gumbys Pizza International I franchise were not available in the conducted research.
In synthesizing the investment thesis for a Gumbys Pizza International I franchise, it is clear this opportunity warrants serious due diligence for specific types of investors. The brand operates within the highly attractive U.S. pizza restaurant industry, which is projected to achieve $50.1 billion in revenues in 2024 and grow to $50.7 billion by 2034, driven by digital ordering, menu innovation, and the shift toward fast-casual and delivery formats. Gumbys Pizza International I carves out a distinct niche, appealing to a budget-conscious, late-night, and student demographic with its unique product and value proposition. While the brand's history includes significant growth to 35-36 units followed by consolidation to its current 3 franchised units, this trajectory offers valuable lessons and underscores the importance of robust operational management and market adaptation. The current operational focus on high-volume, efficient service, exemplified by strategies like "75 cent pizza roll Tuesdays," demonstrates a clear model for success within its target markets. The absence of Item 19 financial performance data necessitates that prospective franchisees conduct thorough independent research into unit-level economics, leveraging the FPI Score of 48 (Fair) as a foundational data point for further investigation. PeerSense provides exclusive due diligence data including SBA lending history, FPI score, location maps with Google ratings, FDD financial data, and side-by-side comparison tools. Explore the complete Gumbys Pizza International I franchise profile on PeerSense to access the full suite of independent franchise intelligence data.
FPI Score
48/100
SBA Default Rate
0.0%
Active Lenders
3
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Gumby's Pizza International, I based on SBA lending data
SBA Default Rate
0.0%
0 of 3 loans charged off
SBA Loan Volume
3 loans
Across 3 lenders
Lender Diversity
3 lenders
Avg 1.0 loans per lender
Investment Tier
Mid-range investment
$79,500 – $150,000 total
Gumby's Pizza International, I — 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
2009
1 approvals — best year on record for Gumby's Pizza International, I.
Top SBA State
Texas
2 SBA-financed Gumby's Pizza International, I locations — the densest operator footprint.
Average Loan Size
$167K
Median $165K — use as a sizing anchor when modeling your own $Gumby's Pizza International, I unit.
Lender Concentration
100%
Concentrated
Share of Gumby's Pizza International, I approvals captured by the top 3 SBA lenders.
Gumby's Pizza International, I's SBA lending pipeline peaked in 2009 (1 approvals). Operator density is highest in Texas with 2 SBA-financed locations. Average funded ticket sits at $167K, with the median at $165K. Lender mix is concentrated: the top three SBA lenders account for 100% of approvals — credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$823
Principal & Interest only
Locations
Gumby's Pizza International, I — unit breakdown
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