Pop A Lock
The total investment to open a Pop A Lock franchise ranges from $19,500 to $431,400. The initial franchise fee is $147,500. Ongoing royalties are 6% plus a 1% advertising fee.
What is the Pop A Lock franchise?
Pop A Lock is a locksmith business for customers who need help with locks and access. The estimated total initial investment is $19,500 to $431,400. The initial franchise fee is $147,500.
The royalty is 6 percent of sales, and the advertising or brand fund fee is 1 percent. The franchise agreement term is 10 years. The headquarters is in CA. These cost and fee figures are from the 2026 Franchise Disclosure Document.
Loan Activity Score
22/100
SBA Default Rate
25.0%
Active Lenders
13
According to its Franchise Disclosure Document or public business records, Pop A Lock has 26 locations, all owned by franchisees. Public SBA loan records show 13 lenders made 16 loans to franchisees of Pop A Lock. PeerSense calculates Pop A Lock's score as 22 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2025 Franchise Disclosure Document. To correct a figure, email the current FDD and the differing item numbers to info@peersense.com, and this page will be updated.
26 locations
$19,500 to $431,400
$147,500
26
26 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Pop A Lock
16
Total SBA loans
$161K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Pop A Lock
Loan Activity Score Breakdown
Growing (10 to 24 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
25.0%
vs 10.8% peer avg
SBA Loans
16
Total Volume
$2.6M
Active Lenders
13
States
13
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 Pop A Lock based on SBA lending data
SBA Default Rate
25.0%
14.2% above peer avg
SBA Loan Volume
16 loans
Across 13 lenders
Lender Diversity
13 lenders
Avg 1.2 loans per lender
Investment Tier
Mid range investment
$19,500 to $431,400 total
Pop A Lock: 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
2008
3 approvals. The best year on record for Pop A Lock.
Top SBA State
California
3 SBA financed Pop A Lock locations, the densest operator footprint.
Average Loan Size
$161K
Median $96K. Use as a sizing anchor when modeling your own Pop A Lock unit.
Lender Concentration
37.5%
Moderately Spread
Share of Pop A Lock approvals captured by the top 3 SBA lenders.
Pop A Lock's SBA lending pipeline peaked in 2008 (3 approvals). Operator density is highest in California with 3 SBA financed locations. Average funded ticket sits at $161K, with the median at $96K. Lender mix is moderately spread: the top three SBA lenders account for 37.5% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$202
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
Pop A Lock, 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; 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