Sarpino's
The total investment to open a Sarpino's franchise ranges from $125,000 to $394,550. The initial franchise fee is $40,000. Ongoing royalties are 6% plus a 2% advertising fee.
What is the Sarpino's franchise?
Sarpino's is a pizza restaurant that sells pizza to customers for delivery or pickup. The estimated total initial investment is $125,000 to $394,550. The initial franchise fee is $40,000.
The royalty is 6 percent of sales, and the advertising or brand fund fee is 2 percent. The franchise agreement term is 10 years.
Sarpino's was founded in 2001 and is headquartered in Overland Park, KS.
Loan Activity Score
52/100
SBA Default Rate
2.9%
Active Lenders
18
According to its Franchise Disclosure Document or public business records, Sarpino's has 28 locations, all owned by franchisees. Public SBA loan records show 18 lenders made 35 loans to franchisees of Sarpino's. PeerSense calculates Sarpino's's score as 52 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2001 · 28 locations
$125,000 to $394,550
$40,000
28
28 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Sarpino's
35
Total SBA loans
$190K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Sarpino's
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
2.9%
vs 10.3% peer avg
SBA Loans
35
Total Volume
$6.6M
Active Lenders
18
1 selective
States
7
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 Sarpino's based on SBA lending data
SBA Default Rate
2.9%
7.4% below peer avg
SBA Loan Volume
35 loans
Across 18 lenders
Lender Diversity
18 lenders
Avg 1.9 loans per lender
Investment Tier
Mid range investment
$125,000 to $394,550 total
Sarpino's: 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
2016
7 approvals. The best year on record for Sarpino's.
Top SBA State
Illinois
9 SBA financed Sarpino's locations, the densest operator footprint.
Average Loan Size
$196K
Median $245K. Use as a sizing anchor when modeling your own Sarpino's unit.
Lender Concentration
46.2%
Concentrated
Share of Sarpino's approvals captured by the top 3 SBA lenders.
Sarpino's's SBA lending pipeline peaked in 2016 (7 approvals). The last five fiscal years account for 3% of cumulative volume ($270K approved). Operator density is highest in Illinois with 9 SBA financed locations. Average funded ticket sits at $196K, with the median at $245K. Lender mix is concentrated: the top three SBA lenders account for 46.2% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,294
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
Sarpino's, 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
Last reviewed LinkedIn profileAbout Edward Freeman