Pickleman's Gourmet Cafe
The total investment to open a Pickleman's Gourmet Cafe franchise ranges from $398,000 to $1.0M. The initial franchise fee is $39,500. Ongoing royalties are 6% plus a 3% advertising fee.
What is the Pickleman's Gourmet Cafe franchise?
Pickleman's Gourmet Cafe is a cafe that sells toasted sandwiches, thin crust pizzas, soups, salads and cookies. The estimated total initial investment is $398,000 to $1,043,500, and the initial franchise fee is $39,500, according to the 2025 Franchise Disclosure Document.
The ongoing royalty is 6 percent of sales, and the advertising or brand fund fee is 3 percent.
The company is headquartered in Hallsville, MO. It was founded in 2005 and began franchising in 2024.
Loan Activity Score
47/100
SBA Default Rate
0.0%
Active Lenders
2
According to its Franchise Disclosure Document or public business records, Pickleman's Gourmet Cafe has 2 locations, all owned by franchisees. Public SBA loan records show 2 lenders made 2 loans to franchisees of Pickleman's Gourmet Cafe. PeerSense calculates Pickleman's Gourmet Cafe's score as 47 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2025 Franchise Disclosure Document.
Franchising since 2005 · 2 locations
$398,000 to $1.0M
$39,500
2
2 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Pickleman's Gourmet Cafe
2
Total SBA loans
$505K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Pickleman's Gourmet Cafe
Loan Activity Score Breakdown
New or niche (1 to 2 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
2
Total Volume
$1.0M
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 Pickleman's Gourmet Cafe based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
2 loans
Across 2 lenders
Lender Diversity
2 lenders
Avg 1.0 loans per lender
Investment Tier
Significant investment
$398,000 to $1,043,500 total
Pickleman's Gourmet Cafe: 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
2012
2 approvals. The best year on record for Pickleman's Gourmet Cafe.
Top SBA State
Kansas
2 SBA financed Pickleman's Gourmet Cafe locations, the densest operator footprint.
Average Loan Size
$365K
Median $252K. Use as a sizing anchor when modeling your own Pickleman's Gourmet Cafe unit.
Lender Concentration
75%
Concentrated
Share of Pickleman's Gourmet Cafe approvals captured by the top 3 SBA lenders.
Pickleman's Gourmet Cafe's SBA lending pipeline peaked in 2012 (2 approvals). The last five fiscal years account for 50% of cumulative volume ($756K approved). Operator density is highest in Kansas with 2 SBA financed locations. Average funded ticket sits at $365K, with the median at $252K. Lender mix is concentrated: the top three SBA lenders account for 75% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$4,120
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
Pickleman's Gourmet Cafe, 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