Miracle Method
The total investment to open a Miracle Method franchise ranges from $16,000 to $321,160. The initial franchise fee is $18,500. Ongoing royalties are 18.5%.
What is the Miracle Method franchise?
Miracle Method refinishes household surfaces such as tubs, tile and countertops for residential and commercial customers. The estimated total initial investment is $16,000 to $321,160, and the initial franchise fee is $18,500.
The royalty is 18.5 percent of sales. The franchise agreement term is 3 years, and headquarters are in Denver, CO.
The cost and fee figures are from the 2026 Franchise Disclosure Document.
Loan Activity Score
55/100
SBA Default Rate
5.6%
Active Lenders
24
According to its Franchise Disclosure Document or public business records, Miracle Method has 34 locations, all owned by franchisees. Public SBA loan records show 24 lenders made 36 loans to franchisees of Miracle Method. PeerSense calculates Miracle Method's score as 55 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.
34 locations
$16,000 to $321,160
$18,500
34
34 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Miracle Method
36
Total SBA loans
$278K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Miracle Method
Loan Activity Score Breakdown
Established (25 to 99 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
5.6%
vs 10.8% peer avg
SBA Loans
36
Total Volume
$10.0M
Active Lenders
24
4 selective
States
21
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 Miracle Method based on SBA lending data
SBA Default Rate
5.6%
5.2% below peer avg
SBA Loan Volume
36 loans
Across 24 lenders
Lender Diversity
24 lenders
Avg 1.5 loans per lender
Investment Tier
Mid range investment
$16,000 to $321,160 total
Miracle Method: 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
2018
11 approvals. The best year on record for Miracle Method.
Top SBA State
Missouri
3 SBA financed Miracle Method locations, the densest operator footprint.
Average Loan Size
$278K
Median $234K. Use as a sizing anchor when modeling your own Miracle Method unit.
Lender Concentration
44.5%
Concentrated
Share of Miracle Method approvals captured by the top 3 SBA lenders.
Miracle Method's SBA lending pipeline peaked in 2018 (11 approvals). The last five fiscal years account for 31% of cumulative volume ($5.4M approved). Operator density is highest in Missouri with 3 SBA financed locations. Average funded ticket sits at $278K, with the median at $234K. Lender mix is concentrated: the top three SBA lenders account for 44.5% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$166
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
Miracle Method, unit breakdown
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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