Happy & Healthy
The total investment to open a Happy & Healthy franchise ranges from $74,999 to $114,241. The initial franchise fee is $21,000. Ongoing royalties are 0% plus a 2% advertising fee.
What is the Happy & Healthy franchise?
Happy & Healthy is a wholesaler that distributes frozen fruit bars and snacks to businesses that sell or serve food. The estimated total initial investment is $74,999 to $114,241. The initial franchise fee is $21,000.
The advertising or brand fund fee is 2 percent. The franchise agreement term is 10 years. Happy & Healthy was founded in 1991 and is headquartered in Boca Raton, Florida.
Loan Activity Score
27/100
SBA Default Rate
33.3%
Active Lenders
2
According to its Franchise Disclosure Document or public business records, Happy & Healthy has 3 locations, all owned by franchisees. Public SBA loan records show 2 lenders made 3 loans to franchisees of Happy & Healthy. PeerSense calculates Happy & Healthy's score as 27 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1991 · 3 locations
$74,999 to $114,241
$21,000
3
3 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Happy & Healthy
3
Total SBA loans
$94K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Happy & Healthy
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
33.3%
vs 10.3% peer avg
SBA Loans
3
Total Volume
$0.3M
Active Lenders
2
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 Happy & Healthy based on SBA lending data
SBA Default Rate
33.3%
23.0% above peer avg
SBA Loan Volume
3 loans
Across 2 lenders
Lender Diversity
2 lenders
Avg 1.5 loans per lender
Investment Tier
Low cost entry
$74,999 to $114,241 total
Happy & Healthy: 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
2003
2 approvals. The best year on record for Happy & Healthy.
Top SBA State
Utah
3 SBA financed Happy & Healthy locations, the densest operator footprint.
Average Loan Size
$65K
Median $150K. Use as a sizing anchor when modeling your own Happy & Healthy unit.
Lender Concentration
71.5%
Concentrated
Share of Happy & Healthy approvals captured by the top 3 SBA lenders.
Happy & Healthy's SBA lending pipeline peaked in 2003 (2 approvals). The last five fiscal years account for 67% of cumulative volume ($300K approved). Operator density is highest in Utah with 3 SBA financed locations. Average funded ticket sits at $65K, with the median at $150K. Lender mix is concentrated: the top three SBA lenders account for 71.5% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$776
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
Happy & Healthy, 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; 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