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Rates
Schmitt Sales Inc. - Commissio

Schmitt Sales Inc. - Commissio

Franchising since 1964 · 1 locations

Schmitt Sales Inc. - Commissio currently operates 1 locations (1 franchised). PeerSense FPI health score: 49/100.

Total Units

1

1 franchised

FPI Score
Low
49

Proprietary PeerSense metric

Fair
Capital Partners
2lenders available

Active capital sources verified for Schmitt Sales Inc. - Commissio financing

SBA

7(a) Eligible

21d

Avg Funding

P+2.25%

Best Rate

No retainers · Referral fee at closing

FPI Score Breakdown

New/Niche (1-2 loans)

Limited Data
49out of 100
Fair

SBA Lending Performance

SBA Default Rate

0.0%

0 of 2 loans charged off

SBA Loans

2

Total Volume

$2.9M

Active Lenders

2

States

1

What is the Schmitt Sales Inc. - Commissio franchise?

Deciding whether to invest in a grocery-related franchise demands more than optimism — it requires independent data, transparent numbers, and an honest read of where a brand sits within one of the most capital-intensive retail categories in America. The Schmitt Sales Inc. - Commissio franchise operates within the Supermarkets and Other Grocery (except Convenience) Stores category, a sector whose total U.S. sales reached $1 trillion in 2024 across 45,575 operating supermarket locations nationwide. The Schmitt name itself carries a recognizable Buffalo, New York commercial heritage: the original Schmitt Sales, Inc. was founded in 1964 by Peter C. Schmitt Jr. at the age of 24, pioneering a fuel distribution model that embedded motor fuel equipment inside independent grocery stores in exchange for fuel profit-sharing rights — an approach that effectively made grocery retail the backbone of a diversified commercial enterprise. That foundational logic, of layering a commission-based or revenue-sharing model onto existing grocery retail infrastructure, provides conceptual context for understanding the Commissio platform, which connects to the web domain commissio.io and represents an emergent, technology-adjacent approach to grocery franchise operations. Today, the Schmitt Sales Inc. - Commissio franchise operates with a total footprint of 2 units, including 1 franchised unit and zero company-owned units — a scale that places this brand squarely in the early-stage, pre-expansion phase of its franchise lifecycle. For franchise investors, early-stage brands operating inside a $1 trillion total addressable market can represent either ground-floor opportunity or unquantified risk, and distinguishing between those two outcomes requires the kind of structured, data-driven analysis that this profile provides. This independent analysis is produced by PeerSense and is not affiliated with, sponsored by, or reviewed by Schmitt Sales Inc. - Commissio or any related entity.

The U.S. supermarket and grocery industry is one of the largest and most structurally stable consumer markets in the world, yet it is simultaneously undergoing its most consequential transformation in decades. The Supermarkets Market is projected to expand from $1 trillion in 2025 to $1.04 trillion in 2026, reaching $1.22 trillion by 2031 at a compound annual growth rate of 3.16% between 2026 and 2031. That baseline growth, while not explosive, reflects a category defined by inelastic consumer demand — Americans spent 5.0% of their disposable income on food at home in 2024, and average weekly household grocery spending reached $170 as of February 2025. The most powerful structural trend reshaping the category is the shift toward digital commerce: the online and e-commerce channel within grocery is projected to grow at an 8.33% CAGR through 2031, significantly outpacing the overall market rate, while the offline format still commanded 65.54% of channel share in 2025. Within product categories, packaged and processed food led revenue contribution at 38.37% in 2025, but ready-to-eat and prepared foods represent the fastest-growing segment, expanding at a projected 7.74% CAGR through 2031 as time-constrained households shift toward fresh convenience. Market concentration is intensifying simultaneously: the average state-level four-firm concentration ratio in U.S. grocery rose from 42.5% in 2000 to 67% in 2023, meaning that across a typical state, roughly 70 cents of every grocery dollar now flows to four dominant parent companies. This concentration dynamic creates a paradox for franchise investors — the macro market is growing, but the competitive environment increasingly favors operators with either national scale or differentiated positioning, which makes the strategic identity of any grocery-adjacent franchise concept like Schmitt Sales Inc. - Commissio a critical factor in long-term investment evaluation.

Evaluating the Schmitt Sales Inc. - Commissio franchise cost and investment profile requires working from both the limited disclosed data and the broader context of what grocery-category franchises typically demand from investors. The franchise database currently does not disclose a specific franchise fee for the Schmitt Sales Inc. - Commissio franchise opportunity, which is a meaningful data gap at this stage of the brand's development. For context, initial franchise fees across the broader franchise industry typically range from $20,000 to $50,000, with food and grocery-adjacent concepts often falling within or above that band due to the capital intensity of retail buildout, inventory requirements, and regulatory compliance. Total investment ranges across all franchise types can span from under $100,000 for service-based models to several million dollars for full-format grocery retail, with the spread driven primarily by whether a franchisee is building new construction versus converting an existing retail space, geographic cost-of-living differentials, and the size of the required inventory and cold-storage infrastructure. Ongoing royalty rates in the broader franchise universe generally fall between 4% and 8% of gross sales, with professional services and specialty retail concepts sometimes commanding 8% to 12%; the Schmitt Sales Inc. - Commissio franchise has not publicly disclosed its royalty rate or advertising fund contribution in the currently available franchise data. The average net profit margin for food retailers in 2024 was reported at just 1.7%, a figure that underscores why unit economics — the relationship between a franchisee's total investment, revenue per unit, and operating cost structure — matter so acutely in this category. Industry profit measured as earnings before interest and taxes accounted for approximately 1.6% of revenue as recently as 2020, reinforcing that grocery retail is a high-volume, thin-margin business where operational efficiency and revenue throughput are the primary levers of franchisee profitability. Prospective investors should approach the Schmitt Sales Inc. - Commissio franchise investment with a working capital buffer and a detailed pro forma model built against the category benchmarks provided in this analysis.

The operating model for any grocery or supermarket-category franchise demands significant day-to-day engagement from the franchisee or a capable management team, and the Schmitt Sales Inc. - Commissio franchise is no exception given the complexity of food retail operations. The broader grocery industry's average supermarket is 42,453 square feet in size, generates average weekly sales of $711,806 per location, and achieves weekly sales per square foot of selling area of $18.55 — benchmarks that reflect the operational intensity of a well-run grocery unit with adequate staffing, supply chain management, and inventory turnover discipline. Sales per labor hour across the industry averaged $237.76 in 2024, a metric that grocery franchise operators should benchmark carefully when modeling their own staffing plans, since labor is typically the second-largest controllable cost after cost of goods. The Commissio platform, as suggested by its web presence at commissio.io, appears to incorporate a technology-enabled or commission-based operational layer — a model with conceptual precedent in the original Schmitt Sales, Inc. approach, which distributed fuel to commission marketers and independent dealers across New York, Pennsylvania, Ohio, and West Virginia before its 2019 asset sale to Sunoco LP. General franchise support structures in the grocery and retail category typically include initial training covered within the franchise fee, ongoing field consultant access, technology and point-of-sale platform support, CRM tools, territory planning assistance using GIS and demographic mapping, and supply chain guidance designed to prevent margin erosion on perishable inventory. For a franchise with 2 total units currently operating, the depth and formalization of these support systems is a critical question for any prospective franchisee to raise directly with the franchisor, as early-stage systems may still be evolving rather than fully institutionalized. The Schmitt Sales Inc. - Commissio franchise model, given its commissio.io digital infrastructure, may offer a leaner or hybrid operating format that differs from traditional full-format grocery, which could translate to lower square footage requirements, reduced staffing overhead, or a technology-mediated revenue model — all variables that should be explored during formal discovery.

Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document for the Schmitt Sales Inc. - Commissio franchise. This is a meaningful transparency gap that prospective investors must weigh carefully. According to FRANdata, approximately 66% of franchises now report financial performance in their FDD Item 19, up from 52% in 2014 — meaning the majority of franchisors have chosen to provide earnings claims, and the absence of disclosure places Schmitt Sales Inc. - Commissio in the minority of franchise systems that do not. The practical implication is that franchise investors cannot rely on franchisor-provided revenue or profit benchmarks during their due diligence, and must instead build independent financial models using industry-level data and direct conversations with the single existing franchised unit. Using industry benchmarks as a proxy: a conventionally sized supermarket unit generating the industry-average weekly sales of $711,806 would produce approximately $37 million in annual revenue, but at the sector's 1.7% average net profit margin, that translates to roughly $629,000 in net profit before debt service and owner compensation — a figure that is highly sensitive to format size, rent structure, and labor cost. For smaller-format or technology-enabled grocery models, the revenue ceiling may be lower but so might the capital investment, potentially producing comparable or superior return-on-investment ratios. Franchise owner annual earnings across all industries range from $50,000 to $200,000, with IT and technology-adjacent franchises tending toward the $100,000 to $200,000 band, while traditional food retail operators often face thinner margins due to the 1.7% industry average. The Schmitt Sales Inc. - Commissio franchise's FPI Score of 49, rated as Fair on the PeerSense scoring system, reflects the combination of limited disclosed financial data, an early-stage unit count, and the structural challenges of grocery-category franchising — and investors should weight this score appropriately when comparing this opportunity against the broader franchise universe.

The Schmitt Sales Inc. - Commissio franchise is operating at a pivotal moment in its growth trajectory, with a total footprint of 2 units — 1 franchised and zero company-owned — signaling a brand at the very beginning of its franchise expansion curve. The significance of this scale must be understood in proper context: the broader Schmitt commercial legacy includes the original Schmitt Sales, Inc., which grew from a single entrepreneurial model pioneered in 1964 by a 24-year-old Peter C. Schmitt Jr. into a multi-state fuel distribution and convenience retail operation spanning New York, Pennsylvania, Ohio, and West Virginia before its $-valued asset sale to Sunoco LP in January 2019. That heritage of patient, model-driven commercial development provides a cultural and philosophical backdrop for the Commissio platform, which appears to be pursuing a technology-enabled or commission-structured approach within the grocery category. The commissio.io domain represents a digital-first operational identity — a meaningful differentiator in an industry where the online and e-commerce channel is growing at 8.33% CAGR through 2031, while traditional offline grocery still commands 65.54% of consumer spending in 2025. Competitive moats in grocery franchising are built through a combination of proprietary technology, supply chain integration, consumer loyalty programming, and real estate strategy — and for a brand like Schmitt Sales Inc. - Commissio to scale effectively against a market where the top four grocery companies control 67% of state-level revenue, it will need to define and defend at least one of these moat sources with clarity. The most significant competitive opportunity for emerging grocery concepts lies in the ready-to-eat and prepared foods segment, which is projected to expand at 7.74% CAGR through 2031 and represents the fastest-moving consumer preference shift within the category. Any franchisee considering this opportunity should inquire specifically about the brand's technology roadmap, its supply chain relationships, and whether its commissio-based revenue model creates structural advantages in cost structure relative to traditional grocery formats.

The ideal candidate for the Schmitt Sales Inc. - Commissio franchise opportunity is likely someone with a background in retail management, food service operations, or technology-enabled commerce who is comfortable operating in an early-stage franchise environment where systems and support structures are still being refined and scaled. Given the grocery category's operational complexity — average supermarket sizes of 42,453 square feet, labor productivity benchmarks of $237.76 in sales per labor hour, and net profit margins averaging just 1.7% — prior experience in retail operations, inventory management, or consumer-facing service businesses is not merely advantageous but effectively essential. With 1 franchised unit currently operating, prospective franchisees have a rare opportunity to speak directly with the existing franchise operator as part of their due diligence, a conversation that could provide more granular insight into daily operations, revenue performance, and corporate support quality than any FDD disclosure alone. Territory availability across the brand's geographic footprint should be assessed directly with the franchisor, as early-stage systems with minimal unit counts often have the broadest territory options but the least data-driven territory planning infrastructure. The Schmitt Sales Inc. - Commissio franchise's connection to the commissio.io digital platform suggests a potentially technology-forward or hybrid-format operating model that could be more capital-efficient than traditional full-format grocery buildout, which typically demands investment in the hundreds of thousands to millions of dollars depending on market and format. Investors should request the full Franchise Disclosure Document, review all exhibits carefully, engage independent franchise legal counsel, and speak with existing franchisees before committing capital, following standard FDD review protocols for any franchise investment regardless of stage or category.

For franchise investors conducting serious due diligence on grocery-category opportunities in a $1 trillion total addressable market growing at 3.16% CAGR through 2031, the Schmitt Sales Inc. - Commissio franchise represents a genuinely distinctive early-stage opportunity that warrants structured evaluation rather than either reflexive enthusiasm or reflexive dismissal. The brand carries the weight of the Schmitt commercial legacy — a name associated with 55 years of innovative commission-based distribution and retail partnership models dating to 1964 — while the Commissio platform's digital identity at commissio.io signals an attempt to embed technology into a category that is undergoing rapid structural transformation driven by e-commerce growth, prepared food demand, and shifting consumer spending patterns. The FPI Score of 49, rated Fair, reflects both the brand's early stage and the limited financial transparency currently available, and investors should treat this score as a starting point for inquiry rather than a final verdict. The absence of Item 19 financial performance disclosure means that prospective franchisees must conduct more independent financial modeling than they would with a more established franchisor, and the thin average net profit margins of 1.7% across the food retail industry mean there is limited room for operational inefficiency at any format size. PeerSense provides exclusive due diligence data including SBA lending history, FPI score, location maps with Google ratings, FDD financial data, and side-by-side comparison tools that allow investors to benchmark the Schmitt Sales Inc. - Commissio franchise against hundreds of competing franchise opportunities across the grocery, food retail, and adjacent categories. The combination of a large and growing total market, an early-stage unit count that leaves geographic territory wide open, and a technology-adjacent operating model that may offer structural cost advantages creates an investment thesis worth exploring with rigor, discipline, and the best available independent data. Explore the complete Schmitt Sales Inc. - Commissio franchise profile on PeerSense to access the full suite of independent franchise intelligence data.

FPI Score

49/100

SBA Default Rate

0.0%

Active Lenders

2

Key Highlights

Low SBA default rate (0.0%)

Data Insights

Key performance metrics for Schmitt Sales Inc. - Commissio based on SBA lending data

SBA Default Rate

0.0%

0 of 2 loans charged off

SBA Loan Volume

2 loans

Across 2 lenders

Lender Diversity

2 lenders

Avg 1.0 loans per lender

Payment Estimator

Loan Amount$400K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$5,176

Principal & Interest only

Locations

Schmitt Sales Inc. - Commissiounit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

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Schmitt Sales Inc. - Commissio