Roly Poly Rolled Sandwiches
The total investment to open a Roly Poly Rolled Sandwiches franchise ranges from $25,000 to $120,000. The initial franchise fee is $34,500.
What is the Roly Poly Rolled Sandwiches franchise?
Roly Poly Rolled Sandwiches began in 1996, when founders Linda Wolf and Julie Reid opened the first location in Atlanta, Georgia's upscale Buckhead neighborhood. The concept centered on fresh tortillas rolled around carefully selected ingredients, creating a portable product positioned between fast food and fast casual dining. In January 1997, the founders established Roly Poly Franchise Systems. During the first franchise year, locations opened from Seaside, Florida, to Westport, Connecticut. The brand is now headquartered in Allen, Texas. The 2023 FDD recorded 25 franchised units, all owned by franchisees, with no company owned locations. PeerSense assigns the brand a Loan Activity Score of 21, classified as Limited. The United States limited service sandwich and fast casual market generates hundreds of billions in annual consumer spending, making market position a key consideration for buyers.
The global limited service restaurant market was projected to grow from USD 737.31 billion in 2024 to USD 1,214.93 billion by 2032, a compound annual growth rate of 5.71 percent. A separate projection valued the segment at approximately USD 823.96 billion in 2024, USD 871.02 billion in 2025, and USD 1,435.98 billion by 2034, at an approximate CAGR of 5.7 percent. Roly Poly's rolled tortilla format fits demand for lighter, customizable meals made with visible ingredients. Its non cooking model has historically kept equipment packages below USD 30,000 in certain configurations, while reducing kitchen complexity and specialized labor needs. The category remains fragmented among local and regional operators while larger chains hold national scale. This market setting may help the concept compete, but brand specific performance still requires separate review.
The current franchise fee is $34,500, compared with a historical fee of $22,500 in earlier FDD filings and $25,000 in 2014 sources. The current initial investment range is $25,000 to $120,000. Earlier FDD data listed total investment of $106,550 to $226,700, including construction and leasehold improvements of $25,000 to $90,000, equipment of $32,500 to $47,500, initial inventory of $4,000 to $8,000, signage and menu boards of $5,000 to $10,000, and additional funds of $5,000 to $20,000 for six months of operating capital. Earlier filings also listed a $2,500 initial tuition fee and training travel and living expenses of $500 to $1,000. Utility deposits, business licenses, architect fees, insurance, and POS equipment were each listed in the $1,000 to $8,000 range. The advertising or national brand fund fee was 2 percent in the 2025 FDD and 1 percent in the 2026 FDD. Veterans receive a $10,000 franchise fee discount. Historical requirements included approximately $250,000 in net worth and, in some sources, $75,000 in liquid capital.
Roly Poly uses a non cooking kitchen model focused on assembling fresh ingredients. This can reduce equipment complexity, culinary skill requirements, and certain maintenance demands. Initial training lasts six days at a designated Roly Poly training location and is required for the franchisee and designated manager. The program totals 253 hours, including 244 hours of hands on training and 9 hours of classroom instruction. Grand Opening Training lasts 12 days, with 2 days before opening and 10 days after opening at the franchisee's unit. The Director of Training provides guidance during this period. The operations team offers field assistance, while Linda Wolf and Julie Reid have maintained documented hands on involvement with franchise owners, operators, and staff. Franchisees receive an operations manual and access to marketing support. Territory terms include a granted Delivery Area, with the franchisor able to redefine service areas when coverage standards are not met. An Area Development Agreement can provide a protected Development Territory to multi unit operators who meet the development schedule and remain compliant.
At that time, the system had nearly 200 units, so those figures do not describe current operations with 25 units in the 2023 FDD. The unit count declined from 76 franchised units in 2014 to 38 in 2019 and 25 total units in 2023.
Roly Poly grew from its 1996 founding to 40 shops in 14 states by 1999, nearly 90 units by the end of 2001, and its 200th restaurant in Northwest Indiana in November 2003. The company projected 300 locations across 31 states by 2006, but later counts moved from more than 250 locations across 30 states to more than 130, then more than 100 stores in 25 states, more than 50 stores in 16 states, and 38 franchised units in 11 states in the 2020 FDD. The 2023 FDD recorded 25 total units. Buyers should assess whether the current footprint is a stable base for future growth. The brand's main points of distinction have been its rolled product format, fresh ingredients, and simple operating model. Headquarters moved from Atlanta, Georgia, at founding, to Jacksonville, Florida, in 1999, then to Alpharetta, Georgia, and finally to Allen, Texas. Linda Wolf became CEO in 2000 with responsibility for product development, while Julie Reid served as Vice President overseeing operations.
The best fit is an owner focused on customer service, community involvement, and hands on management during the opening period. Restaurant experience is not a stated prerequisite because of the training program and non cooking model. The 253 hour program, including 244 hours of on the job instruction, is intended to prepare operators from varied backgrounds. The $34,500 franchise fee and $25,000 to $120,000 investment range create a relatively accessible entry point within limited service restaurants. Operators with the historical $250,000 net worth and $75,000 liquid capital figures may be better prepared for the early operating period. Veterans receive a $10,000 franchise fee discount. With 25 units in 2023, territories may be available across a range of United States markets. The brand has previously operated in as many as 31 states, from the Southeast to the Northeast. Multi unit operators can use an Area Development Agreement to pursue a protected territory and defined development schedule.
Roly Poly's product format, non cooking model, investment range, veteran discount, and the projected growth of the limited service restaurant market are relevant positives. The decline from 200 units at its peak to 25 units in 2023, the available unit history, and the Loan Activity Score of 21 require careful review. Buyers should examine FDD financial information, speak with franchisees, review location level performance signals, and compare the concept with similar fast casual sandwich brands. PeerSense provides franchise research that includes SBA lending history, Loan Activity Score analysis, location maps with Google ratings, FDD financial data, and comparison tools for evaluating Roly Poly Rolled Sandwiches against other franchise concepts. PeerSense is a commercial capital advisory firm that introduces franchise buyers to SBA and conventional lenders and does not lend or approve loans.
Loan Activity Score
21/100
SBA Default Rate
42.9%
Active Lenders
24
According to its Franchise Disclosure Document or public business records, Roly Poly Rolled Sandwiches has 21 locations, all owned by franchisees. Public SBA loan records show 24 lenders made 35 loans to franchisees of Roly Poly Rolled Sandwiches. PeerSense calculates Roly Poly Rolled Sandwiches's score as 21 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1996 · 21 locations
$25,000 to $120,000
$34,500
21
21 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Roly Poly Rolled Sandwiches
35
Total SBA loans
$76K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Roly Poly Rolled Sandwiches
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
42.9%
vs 10.3% peer avg
SBA Loans
35
Total Volume
$2.7M
Active Lenders
24
1 selective
States
15
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 Roly Poly Rolled Sandwiches based on SBA lending data
SBA Default Rate
42.9%
32.6% above peer avg
SBA Loan Volume
35 loans
Across 24 lenders
Lender Diversity
24 lenders
Avg 1.5 loans per lender
Investment Tier
Low cost entry
$25,000 to $120,000 total
Roly Poly Rolled Sandwiches: 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
2004
12 approvals. The best year on record for Roly Poly Rolled Sandwiches.
Top SBA State
Texas
10 SBA financed Roly Poly Rolled Sandwiches locations, the densest operator footprint.
Average Loan Size
$76K
Median $72K. Use as a sizing anchor when modeling your own Roly Poly Rolled Sandwiches unit.
Lender Concentration
25.7%
Moderately Spread
Share of Roly Poly Rolled Sandwiches approvals captured by the top 3 SBA lenders.
Roly Poly Rolled Sandwiches's SBA lending pipeline peaked in 2004 (12 approvals). Operator density is highest in Texas with 10 SBA financed locations. Average funded ticket sits at $76K, with the median at $72K. Lender mix is moderately spread: the top three SBA lenders account for 25.7% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$259
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.
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Roly Poly Rolled Sandwiches, 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
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