Schmizza
The total investment to open a Schmizza franchise ranges from $203,500 to $596,000. The initial franchise fee is $39,000. Ongoing royalties are 6% plus a 1% advertising fee.
What is the Schmizza franchise?
Schmizza is a full service restaurant business for customers dining out. The 2026 Franchise Disclosure Document estimates total initial investment at $203,500 to $596,000 and lists a $39,000 initial franchise fee.
The royalty is 6 percent of sales, and the advertising or brand fund fee is 1 percent. The franchise agreement term is 10 years. Schmizza was founded in 1993 and is headquartered in Salem, OR.
Loan Activity Score
29/100
SBA Default Rate
66.7%
Active Lenders
3
According to its Franchise Disclosure Document or public business records, Schmizza has 3 locations, all owned by franchisees. Public SBA loan records show 3 lenders made 3 loans to franchisees of Schmizza. PeerSense calculates Schmizza's score as 29 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.
Franchising since 1993 · 3 locations
$203,500 to $596,000
$39,000
3
3 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Schmizza
3
Total SBA loans
$249K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Schmizza
Loan Activity Score Breakdown
Emerging (3 to 9 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
66.7%
vs 10.3% peer avg
SBA Loans
3
Total Volume
$0.7M
Active Lenders
3
States
3
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 Schmizza based on SBA lending data
SBA Default Rate
66.7%
56.4% above peer avg
SBA Loan Volume
3 loans
Across 3 lenders
Lender Diversity
3 lenders
Avg 1.0 loans per lender
Investment Tier
Significant investment
$203,500 to $596,000 total
Payment Estimator
Estimated Monthly Payment
$2,107
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
Schmizza, 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