Jack's Pizza
According to its Franchise Disclosure Document or public business records, Jack's Pizza has 2 locations, all owned by franchisees. Public SBA loan records show 2 lenders made 3 loans to franchisees of Jack's Pizza. PeerSense calculates Jack's Pizza's score as 46 out of 100, using public SBA loan performance and recent lending activity.
What is the Jack's Pizza franchise?
Choosing a full service restaurant franchise is a major financial decision, and selecting the right brand can be difficult. Full service dining rewards operators who provide a distinct guest experience, build local loyalty, and offer a menu that can stand apart from fast casual and quick service competitors. Jack's Pizza, presented to consumers through jacksnc.com and headquartered in Indiana, is a small franchise system with 2 total units. Both locations are franchised, while the company owns no operating units. That structure may reflect an early buildout, an asset light strategy, or a transition in the brand's growth. Investors should determine which explanation fits Jack's Pizza. The full service restaurant industry produces approximately 360 billion dollars in annual U.S. revenue, according to National Restaurant Association data. Independent and regional concepts are gaining attention as consumers seek authenticity and local identity. With only 2 units, Jack's Pizza is an early stage opportunity involving greater uncertainty and potential flexibility than a mature system. This PeerSense analysis is independent and based on disclosed information, industry benchmarks, and franchise structure rather than promotional material from the franchisor.
The full service restaurant category includes sit down dining with waitstaff and menus that generally extend beyond counter service. The National Restaurant Association estimates total U.S. restaurant industry economic activity at over 1 trillion dollars annually when adjacent sectors are included. Pizza has a durable position in this category and is the single most consumed food at American restaurants by volume and frequency. Demand has been supported by premium dining, willingness to pay for perceived quality and craft preparation, and the post pandemic recovery in dine in traffic through 2023 and 2024. Artisan and locally sourced ingredients give regional and independent pizza concepts a way to compete with national chains on quality rather than price or recognition. The full service category is also more fragmented than quick service, allowing a well executed local or regional concept with loyal customers to build protection without a national chain's marketing budget. These conditions provide the market context for evaluating Jack's Pizza.
Public information for Jack's Pizza does not state a franchise fee, total investment range, royalty rate, advertising contribution, or capital requirement thresholds. The available structure shows a 100 percent franchised system with 2 units open. That may indicate active early stage recruitment or slow, selective growth since the brand began. Across the full service restaurant franchise category, initial franchise fees commonly range from 20,000 dollars to 50,000 dollars based on brand scale, territory size, and concept complexity. Smaller full service pizza concepts may require 200,000 to 500,000 dollars in startup investment, while larger concepts with full bars, expanded kitchens, and dining rooms may cost from 500,000 dollars to well over 1 million dollars, depending on real estate and construction conditions. Royalty rates commonly fall between 4 and 7 percent of gross sales, and advertising contributions often add 1 to 3 percent. Since Jack's Pizza has not publicly provided these figures, a buyer should obtain the Franchise Disclosure Document from the franchisor and review entry costs and continuing fees before investing. The brand's website, jacksnc.com, is the stated inquiry point for candidates.
Based on its full service classification and web presence at jacksnc.com, Jack's Pizza appears to follow the operating demands of a dine in pizza concept that depends on guest service and product quality to generate repeat visits. Full service pizza locations commonly employ 10 to 25 people, depending on sales volume, hours, bar service, and alcohol licensing. Compared with quick service and fast casual restaurants, the labor model requires both front of house staff and kitchen teams during peak periods, especially dinner and weekend lunch. Jack's Pizza has not publicly detailed its training program. Comparable full service franchisors commonly provide two to six weeks of initial training through classroom work and in store practice, followed by opening assistance from corporate or regional representatives. Territory policies vary, including protected geographic areas and rights of first refusal as a system expands. With 2 total units, Jack's Pizza may have broad territory availability, giving candidates a chance to seek prime trade areas before the system becomes larger. At this stage, an owner operator model is typical, with franchisees generally expected to manage the business actively rather than act as passive investors.
They must instead use industry benchmarks, structural analysis, and discussions with existing franchisees, which FTC franchise disclosure regulations permit during discovery. Jack's Pizza has only 2 units, so the system does not provide a statistically meaningful base for projecting average performance. Buyers should request any additional unit data the franchisor will provide, speak with franchisees, study local markets, and hire an independent CPA with franchise experience to model several outcomes.
The current footprint of 2 franchised units places Jack's Pizza at an early point in its growth. Systems with fewer than 10 units are common, and brands that later reached hundreds of locations often spent time refining operations, standardizing training, and building infrastructure before recruiting more broadly. Jack's Pizza has chosen a 100 percent franchised structure from the beginning, with no company owned units. Early investors may be seeking favorable territory terms, direct contact with leadership, an early position in high demand markets, and a chance to influence culture and standards before the system matures. In full service pizza, lasting competitive strength can come from recipe differences, community identity, consistent execution, and word of mouth loyalty developed over time. Based on the jacksnc.com domain, Jack's Pizza is a regional concept associated with North Carolina. It may have an opportunity to build local identity there if expansion favors depth and operational consistency over rapid unit growth.
A likely fit for Jack's Pizza is an owner operator with restaurant management experience or a substantial small business background. Full service dining requires close attention to staffing, guest service, and kitchen operations, and the format is generally less suited to absentee ownership. That concern is greater in an early stage system where operating procedures are still developing and the owner's daily presence can strongly affect the guest experience and local reputation. Multi unit development may be a longer term path because the system has room to expand geographically. Candidates with the operating ability and capital to develop several locations may find that the franchisor considers area development arrangements with favorable territory rights. The jacksnc.com domain suggests that North Carolina is a primary or foundational market, so candidates with ties to the Southeastern U.S. or familiarity with regional dining preferences may fit the early expansion plan. Buyers must obtain the franchise agreement term, transfer provisions, and renewal conditions from the FDD and have a franchise attorney review them before making a commitment.
Jack's Pizza merits independent diligence from buyers considering an early stage, full service pizza franchise. The 46 billion dollar U.S. pizza market, interest in locally differentiated dining, and potential for community roots in North Carolina and the broader Southeastern market provide relevant market considerations. Jack's Pizza has a Loan Activity Score of 46, rated Fair by independent analysis. That score reflects the system's early stage and limited public performance information and should be viewed in context. PeerSense offers independent due diligence information, including SBA lending history, the Loan Activity Score, location maps with Google ratings, FDD financial data, and comparison tools for reviewing Jack's Pizza alongside other full service restaurant franchises. PeerSense is a commercial capital advisory firm that introduces franchise buyers to SBA and conventional lenders. It is not a lender and does not approve or provide loans.
Loan Activity Score
46/100
SBA Default Rate
0.0%
Active Lenders
2
2 locations
2
2 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Jack's Pizza
3
Total SBA loans
$157K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Jack's Pizza
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
3
Total Volume
$0.5M
Active Lenders
2
States
2
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 Jack's Pizza based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
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. The 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
Estimated Monthly Payment
$5,176
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
Jack's Pizza, 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; 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