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Rates
Marco's Pizza

Marco's Pizza

The total investment to open a Marco's Pizza franchise ranges from $286,727 to $807,152. The initial franchise fee is $25,000. Ongoing royalties are 5.5% plus a 7% advertising fee.

What is the Marco's Pizza franchise?

Pasquale "Pat" Giammarco, an Italian immigrant from Sulmona, Italy, founded the company on February 18, 1978, after arriving in the United States at age nine. He began franchising in 1979. Growth accelerated in 2004 after Jack Butorac purchased the franchise rights and became CEO. The company is headquartered at 5252 Monroe Street in Toledo, Ohio, and has approximately 1,159 franchised and 45 company owned locations across 35 states, Puerto Rico, the Bahamas, and Mexico. FRANdata gives Marco's the highest FUND Score among QSR concepts and ranks it first in the pizza category. A new CFO, CMO, and VP of Franchise Growth support a plan for more than 80 new stores in 2026.

Marco's competes through preparation methods that differ from many QSR pizza brands. Each store makes dough from scratch every day with premium flour and precise water to air temperature ratios. The sauce follows the founder's original family recipe, using imported herbs and spices that have remained unchanged for more than 45 years. Its proprietary three cheese blend uses fresh, never frozen cheese. Marco's has received Technomic's designation as America's Favorite Restaurant in the Limited Service Pizza category and Newsweek's Reader's Choice Best Pizza Chain award. The brand is positioned for consumers seeking higher quality than commodity pizza delivery while retaining competitive pricing and quick service.

The initial franchise fee is $25,000. The Franchise Disclosure Document reports a total initial investment of $286,727 to $807,152, with differences tied mainly to real estate conditions, build out complexity, and the selected format. Financial qualifications include $125,000 to $150,000 in liquid capital and $400,000 to $450,000 in net worth. The agreement lasts 10 years and includes two additional 10 year renewal terms, creating a potential 30 year operating horizon. Qualified multi unit operators may receive early stage royalty incentives starting at zero percent through the Franchise Development Royalty Incentive Program if they meet a defined store opening schedule. Fee discounts are available to qualified first responders, U.S. veterans, and key management employees. Marco's does not provide direct financing. PeerSense offers SBA lending data that shows how federal lending programs have historically evaluated Marco's applications.

Marco's combines scratch made food preparation with QSR speed. Daily work includes making dough, hand slicing toppings, and preparing the proprietary sauce and cheese blend. Internal competitions have produced pizza assembly times below 40 seconds, while pickup orders have a reputation for fulfillment in approximately 10 minutes. The Marco's Order Management System, or MOMS, forecasts sales, schedules dough preparation, and predicts staffing needs across more than 1,200 locations. Cloud based point of sale systems and app based ordering are standard. Training totals approximately 363 hours over eight weeks, including 16.8 hours of e learning, 40 hours of remote and virtual instruction, 40 hours of classroom training at Marco's University in Toledo, Ohio, and 266 hours of on the job training at a certified store. Franchisees or Designated Franchise Operators must finish the program before opening. If the franchisee will not manage daily operations, two designated trainees must complete the program and become certified operators. Marco's University Online provides continuing mobile accessible training, and DeVry University offers team members a 15 percent tuition discount, waived admission fees, and potential college credit.

Nearly two thirds of franchise agreements signed in 2024 came from existing operators.

Marco's opened more than 60 stores in 2025, including 41 during the first half of the year, and targets more than 80 new locations in 2026. Domestic growth includes New Jersey and development agreements for New Mexico. International development continues across Mexico, the Caribbean, and Latin American regions. Ghost kitchens and other nontraditional formats are part of the expansion plan, including in urban areas where traditional real estate may cost more. The brand's advantages include its Italian heritage and family recipes, FRANdata's highest QSR FUND Score, and an AVA Digital Gold Level Award winning ordering platform. An Operations Center of Excellence in development is intended to improve training, operational consistency, and performance measurement. Chef Kathleen Kennedy leads culinary innovation, while Marco's explores AI powered ordering and develops a next generation loyalty program.

A suitable franchisee brings business judgment and management ability, with interest in operational involvement and multi unit development. Pizza or food service experience can help but is not required because of the 363 hour training program. Financial qualifications are $125,000 to $150,000 in liquid capital and $400,000 to $450,000 in net worth. Qualified multi unit developers may also use the Franchise Development Royalty Incentive Program, which offers starting royalties at zero percent under its requirements. The agreement provides a 10 year term with two 10 year renewal options, and the designated Area of Responsibility offers territory protection during the term. Development opportunities span 35 states and international territories, with emphasis on cluster development for operating efficiency and marketing reach. Discounts for key management employees support the development of operators familiar with Marco's standards and culture.

Its multi unit incentive program may appeal to both new operators and experienced developers. Buyers can review the full Marco's Pizza franchise profile on PeerSense when assessing the opportunity.

Loan Activity Score

68/100

SBA Default Rate

4.2%

Active Lenders

101

According to its Franchise Disclosure Document or public business records, Marco's Pizza has 414 locations, all owned by franchisees. Public SBA loan records show 101 lenders made 499 loans to franchisees of Marco's Pizza. PeerSense calculates Marco's Pizza's score as 68 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.

Franchising since 1978 · 414 locations

Investment

$286,727 to $807,152

Franchise Fee

$25,000

Total Units

414

414 franchised

Loan Activity Score
Very high
68
SBA Lending
25
Lender Quality
13
Transparency
11
Reach
9
Momentum
10

Proprietary PeerSense metric

Strong
Capital Sources
101SBA lenders

Distinct lenders in public SBA records for Marco's Pizza

499

Total SBA loans

$353K

Average loan size

Source: public SBA 7(a) and 504 loan records through December 31, 2025

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SBA Lending Activity for Marco's Pizza

Loan Activity Score Breakdown

Major Brand (100+ loans)

Very High Confidence
68out of 100
Strong
Market Momentum10/35

Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.

Loan Safety25/25

Blended default rate (recent + all time) compared to NAICS sector peers.

Lender Confidence13/15

Quality lenders actively backing this brand, with penalty for lender pullback.

Transparency11/15

FDD availability, Item 19 disclosure, and overall data completeness.

Footprint9/10

Geographic spread of SBA funded locations across states.

SBA Lending Performance

SBA Default Rate

4.2%

vs 10.8% peer avg

SBA Loans

499

Total Volume

$176.3M

Active Lenders

101

26 selective

States

29

vs. SBA Sector Average

+6.6%lower default rate

SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors

Key Highlights

Low SBA default rate (4.2%)
Item 19 financial data disclosed
414 locations nationwide

Data Insights

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

SBA Default Rate

4.2%

6.6% below peer avg

SBA Loan Volume

499 loans

Across 101 lenders

Lender Diversity

101 lenders

Avg 4.9 loans per lender

Investment Tier

Significant investment

$286,727 to $807,152 total

Marco'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

2021

67 approvals. The best year on record for Marco's Pizza.

Top SBA State

Texas

102 SBA financed Marco's Pizza locations, the densest operator footprint.

Average Loan Size

$353K

Median $340K. Use as a sizing anchor when modeling your own Marco's Pizza unit.

Lender Concentration

20%

Moderately Spread

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

Marco's Pizza's SBA lending pipeline peaked in 2021 (67 approvals). The last five fiscal years account for 32% of cumulative volume ($70M approved). Operator density is highest in Texas with 102 SBA financed locations. Average funded ticket sits at $353K, with the median at $340K. Lender mix is moderately spread: the top three SBA lenders account for 20% of approvals. Borrowers have leverage to shop multiple credit boxes.

Payment Estimator

Loan Amount$229K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$2,968

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

Marco's Pizza, unit breakdown

Total Units
N/A
Franchisee Owned
n/a
System Owned
n/a
Closed
n/a

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4 FDDs Available for Marco's Pizza

Review franchise fees, investment ranges, royalties, Item 19 financial data, and year over year trends. Request complimentary access through your PeerSense funding advisor.

Marco's Pizza

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