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Jack's Pizza

Jack's Pizza

2 locations

Jack's Pizza currently operates 2 locations (2 franchised). The top SBA 7(a) lenders for Jack's Pizza are The Huntington National Bank and Bank of America. PeerSense FPI health score: 46/100.

Total Units

2

2 franchised

FPI Score
Low
46

Proprietary PeerSense metric

Fair
Capital Partners
2lenders available

Active capital sources verified for Jack's Pizza 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)

Limited Data
46out of 100
Fair

SBA Lending Performance

SBA Default Rate

0.0%

0 of 3 loans charged off

SBA Loans

3

Total Volume

$0.5M

Active Lenders

2

States

2

Top SBA Lenders for Jack's Pizza

What is the Jack's Pizza franchise?

Deciding whether to invest in a full-service restaurant franchise is one of the most consequential financial commitments an entrepreneur can make, and the question of which brand deserves that commitment is where most prospective franchisees get stuck. The full-service dining segment rewards operators who can deliver a differentiated guest experience, a loyal local customer base, and a menu that genuinely sets the concept apart from the wave of fast-casual and quick-service chains competing for every dining dollar. Jack's Pizza, operating under the consumer-facing brand jacksnc.com and headquartered in Indiana, represents a micro-scale franchise opportunity currently operating across 2 total units, both of which are franchised rather than company-owned, meaning the corporate entity has committed its growth entirely to the franchisee model rather than retaining ownership of operating locations. That structural detail matters to investors: a franchisor that holds zero company-owned units is either in an early-stage buildout phase, deliberately asset-light, or in a transitional moment in its growth arc, and understanding which of those narratives applies to Jack's Pizza is precisely the kind of analysis that separates informed franchise investors from those who rely on marketing materials alone. The full-service restaurant industry generates approximately 360 billion dollars in annual U.S. revenue according to National Restaurant Association data, with independent and regional concepts increasingly capturing share from national chains as consumers seek authenticity and local identity in their dining experiences. Jack's Pizza sits within that broader landscape as a niche, early-stage franchise concept whose 2-unit footprint means investors are evaluating this brand at what is arguably the highest-risk, highest-optionality stage of any franchise system's life cycle. This analysis, produced independently by PeerSense, does not represent promotional material issued by the franchisor, and every conclusion drawn here is grounded in disclosed data, industry benchmarks, and structural franchise analysis rather than recruitment-oriented framing.

The full-service restaurant category, which is the industry classification that houses Jack's Pizza, encompasses sit-down dining experiences where guests are served by waitstaff and menus typically extend beyond the limited, counter-service formats associated with fast food. This segment accounts for a significant portion of total U.S. restaurant industry revenue, which the National Restaurant Association has estimated at over 1 trillion dollars in total annual economic activity when adjacent sectors are included. Within the full-service tier, pizza-focused concepts occupy a particularly durable niche: pizza is the single most consumed food at American restaurants, with industry research consistently placing pizza in the top position among restaurant food categories by volume and frequency. The U.S. pizza restaurant market alone generates an estimated 46 billion dollars in annual revenue, supported by a consumer base that spans every demographic cohort, every daypart from lunch through late night, and every occasion from family dining to sports viewing to office catering. Growth in the full-service segment is being driven by several secular tailwinds: the premiumization of dining experiences, consumer willingness to pay more for perceived quality and craft preparation, and the sustained post-pandemic recovery in dine-in traffic that accelerated through 2023 and 2024. For pizza specifically, the rise of artisan and locally-sourced ingredient positioning has created a meaningful opportunity for regional and independent concepts to compete directly against national chains on quality grounds rather than on price or brand recognition alone. The full-service restaurant segment is also notable for its relatively fragmented competitive landscape compared to quick-service, meaning that a well-executed local or regional concept with a loyal following can establish genuine defensibility without requiring the marketing budgets that characterize national franchise systems. These macro dynamics create the backdrop against which any Jack's Pizza franchise investment must be evaluated.

Evaluating the investment profile of a Jack's Pizza franchise requires acknowledging that the brand's current public disclosure data does not include a franchise fee figure, a total investment range, royalty rate, advertising contribution, or capital requirement thresholds. What investors can observe from the structural data is that Jack's Pizza operates as a 100-percent-franchised system with 2 units currently open, which means the system is either in active early-stage recruitment or has grown slowly and selectively since its inception. For context within the full-service restaurant franchise category, initial franchise fees typically range from 20,000 dollars to 50,000 dollars depending on brand scale, territory size, and concept complexity. Total investment for a full-service pizza restaurant franchise across the broader industry tends to fall in a wide band, with smaller-format concepts sometimes coming in between 200,000 and 500,000 dollars in total startup costs and larger, more fully-built-out concepts with full bars, expanded kitchens, and dining rooms running from 500,000 dollars to well over 1 million dollars depending on real estate market and construction conditions. Royalty structures in full-service restaurant franchising typically run between 4 and 7 percent of gross sales, with advertising fund contributions adding an additional 1 to 3 percent in most systems. Because Jack's Pizza has not disclosed these specific figures in publicly available form, any prospective franchisee will need to obtain the Franchise Disclosure Document directly from the franchisor to evaluate the true cost of entry and ongoing fee obligations before making any investment decision. The brand's website at jacksnc.com serves as the primary point of inquiry for candidates seeking to initiate that conversation. The absence of disclosed investment data at this stage is consistent with early-stage franchise systems and is not itself a disqualifying characteristic, but it does mean that the due diligence burden on the investor is substantially higher than it would be for a mature system with years of Item 19 data and a track record of unit openings.

The operational model for a Jack's Pizza franchise, based on the brand's full-service restaurant classification and its web presence at jacksnc.com, is consistent with the demands of a dine-in pizza concept that relies on both guest experience and product quality to drive repeat visits. Full-service pizza restaurants in the franchise context typically require a team of 10 to 25 employees per location depending on unit volume, operating hours, and whether the concept includes bar service or alcohol licensing. The labor model for full-service franchises is generally more intensive than quick-service or fast-casual formats, with both front-of-house service staff and kitchen production teams required to operate simultaneously during peak periods, which in pizza-focused concepts tend to cluster heavily around the dinner daypart and weekend lunch. The training infrastructure for Jack's Pizza has not been publicly detailed in available disclosure materials, but full-service restaurant franchisors in the current market typically provide between two and six weeks of initial training that combines classroom instruction with hands-on in-store practice, followed by an opening support period during which corporate or regional field representatives are on-site to assist with launch operations. Territory structures vary widely across early-stage franchise systems, with some offering protected geographic exclusivity and others operating on a right-of-first-refusal model as the system grows. For investors considering Jack's Pizza, the early-stage nature of the system at 2 total units means that territory availability is likely broad, which is a meaningful advantage for candidates who want to secure prime trade areas before a system reaches scale and the most desirable markets are taken. The owner-operator model is typical for full-service restaurant franchises at this stage, with most early-system franchisees expected to be actively involved in daily management rather than operating as passive investors overseeing a management team.

Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document for Jack's Pizza. This means there is no franchisor-published average unit volume, median revenue, or top-quartile performance data available through official disclosure channels that prospective investors can use to project earnings. In the absence of Item 19 disclosure, investors must rely on industry benchmarks, structural analysis, and direct conversations with existing franchisees, which are legally permitted during the discovery process under FTC franchise disclosure regulations. Within the broader full-service pizza restaurant segment, average unit volumes for established regional concepts tend to range from 600,000 dollars to 1.4 million dollars annually, with high-performing locations in densely populated markets or tourism-heavy trade areas exceeding that upper threshold. Labor costs in full-service restaurant operations typically consume between 30 and 36 percent of gross revenue, while food and beverage costs in pizza-focused concepts commonly run between 25 and 32 percent depending on ingredient sourcing, menu pricing strategy, and waste control. When combined with occupancy costs that typically represent 8 to 12 percent of revenue for full-service restaurant operators in lease-based formats, the economics of a full-service pizza franchise can support viable operator earnings, but the margin compression inherent in the category means that volume, pricing power, and operational discipline are the primary levers controlling profitability. For Jack's Pizza specifically, the 2-unit system size means there is no statistically meaningful sample from which to extrapolate average performance, making direct franchisee conversations and local market analysis the most reliable inputs for a credible financial model. Prospective investors should request whatever financial substantiation the franchisor is willing to provide beyond the FDD, including any internally tracked unit performance data, and should engage an independent CPA with franchise-specific experience to model multiple performance scenarios before committing capital.

Jack's Pizza's current footprint of 2 franchised units represents the earliest observable stage of a franchise system's growth trajectory, and interpreting that data point requires nuance rather than a reflexive positive or negative judgment. Early-stage franchise systems with fewer than 10 units are broadly common in the franchise universe, and many brands that eventually scaled to hundreds of locations passed through a period of deliberate, selective growth during which the franchisor refined operations, standardized training, and built out infrastructure before aggressively recruiting new franchisees. The strategic decision to operate as a 100-percent-franchised system from the outset, with zero company-owned units, suggests that the leadership behind Jack's Pizza has oriented its growth model entirely around franchisee success rather than corporate unit ownership, which can be a signal of alignment between franchisor and franchisee financial incentives since the brand's revenue depends entirely on royalties generated by franchisee performance. The competitive advantages that early-stage franchise investors are typically betting on when they enter a system at this scale include the potential for favorable territory terms, direct access to brand leadership, early-mover positioning in high-demand markets, and the ability to influence brand culture and standards in ways that are not available to franchisees who join a mature system. In the full-service pizza category, competitive moats are built most durably through recipe differentiation, community identity, consistent execution, and the kind of word-of-mouth loyalty that takes years to establish but generates compounding returns on the operator's initial marketing investment. Jack's Pizza, as a regional concept based in North Carolina per its jacksnc.com domain, has the structural opportunity to build exactly this kind of local brand identity if its expansion strategy prioritizes depth and operational consistency over rapid unit count growth.

The ideal candidate for a Jack's Pizza franchise is most likely an owner-operator with either prior restaurant management experience or substantial small business ownership background, given the full-service restaurant format's demands around labor management, guest service standards, and kitchen operations. The full-service dining model is not well-suited to absentee ownership, particularly at the early stage of a franchise system when operational playbooks are still being refined and when the franchisee's daily presence has a disproportionate impact on both the guest experience and the brand's reputation in the local market. Multi-unit development is a realistic long-term pathway for strong early-stage Jack's Pizza franchisees given that the system has room to expand geographically, and investors who can demonstrate both the operational capability and the capital capacity to develop multiple units may find that the franchisor is open to area development arrangements that lock in favorable territory rights. Geographic focus based on the jacksnc.com domain suggests that North Carolina represents a primary or foundational market for the brand, making candidates with existing ties to Southeastern U.S. markets or familiarity with the region's dining culture a natural fit for early franchise expansion. The franchise agreement term length, transfer provisions, and renewal conditions are details that must be obtained directly from the FDD and reviewed with a franchise attorney before any commitment is made, as these terms define the investor's long-term rights and exit options within the system.

For franchise investors who have conducted thorough research and are seriously evaluating early-stage, full-service restaurant concepts in the pizza category, Jack's Pizza represents a franchise opportunity that demands rigorous independent due diligence rather than a quick decision driven by brand momentum or system size benchmarks. The brand's 2-unit, fully-franchised system structure means the investor is entering at a stage where risk and optionality are both elevated compared to a mid-stage or mature franchise, and the absence of Item 19 financial performance data means the investor must do more independent work to build a credible unit economics model. The full-service pizza market's 46-billion-dollar annual revenue base, the secular trend toward locally-differentiated dining experiences, and the brand's potential for deep community roots in the North Carolina and broader Southeastern market all represent legitimate tailwinds for a well-executed expansion. The brand's FPI Score of 46, rated as Fair by independent analysis, reflects the early-stage nature of the system and the limited publicly available performance data, and should be interpreted in context rather than in isolation. 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 that allow investors to benchmark Jack's Pizza against other full-service restaurant franchise concepts across every relevant investment dimension. The PeerSense platform is built specifically for the kind of independent, data-driven franchise analysis that protects investors from making six-figure commitments based on incomplete information. Explore the complete Jack's Pizza franchise profile on PeerSense to access the full suite of independent franchise intelligence data.

FPI Score

46/100

SBA Default Rate

0.0%

Active Lenders

2

Key Highlights

Low SBA default rate (0.0%)

Data Insights

Key performance metrics for Jack's Pizza based on SBA lending data

SBA Default Rate

0.0%

0 of 3 loans charged off

SBA Loan Volume

3 loans

Across 2 lenders

Lender Diversity

2 lenders

Avg 1.5 loans per lender

Jack'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

2000

2 approvals — best year on record for Jack's Pizza.

Top SBA State

Indiana

2 SBA-financed Jack's Pizza locations — the densest operator footprint.

Average Loan Size

$157K

Median $105K — use as a sizing anchor when modeling your own $Jack's Pizza unit.

Lender Concentration

100%

Concentrated

Share of Jack's Pizza approvals captured by the top 3 SBA lenders.

Jack's Pizza's SBA lending pipeline peaked in 2000 (2 approvals). Operator density is highest in Indiana with 2 SBA-financed locations. Average funded ticket sits at $157K, with the median at $105K. 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

Loan Amount$400K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$5,176

Principal & Interest only

Locations

Jack's Pizzaunit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

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Jack's Pizza