Philly Pretzel Factory
The total investment to open a Philly Pretzel Factory franchise ranges from $133,999 to $496,000. The initial franchise fee is $35,000. Ongoing royalties are 6% plus a 2% advertising fee.
What is the Philly Pretzel Factory franchise?
Philly Pretzel Factory is a retail bakery that sells soft pretzels to customers. Estimated total initial investment is $133,999 to $496,000, and the initial franchise fee is $35,000.
The ongoing royalty is 6 percent of sales, and the advertising or brand fund fee is 2 percent. The franchise agreement term is 10 years.
The company is headquartered in Bensalem, PA, and was founded in 1998.
Loan Activity Score
46/100
SBA Default Rate
5.0%
Active Lenders
26
According to its Franchise Disclosure Document or public business records, Philly Pretzel Factory has 34 locations, all owned by franchisees. Public SBA loan records show 26 lenders made 40 loans to franchisees of Philly Pretzel Factory. PeerSense calculates Philly Pretzel Factory's score as 46 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1998 · 34 locations
$133,999 to $496,000
$35,000
34
34 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Philly Pretzel Factory
40
Total SBA loans
$235K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Philly Pretzel Factory
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
5.0%
vs 10.3% peer avg
SBA Loans
40
Total Volume
$9.4M
Active Lenders
26
3 selective
States
8
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 Philly Pretzel Factory based on SBA lending data
SBA Default Rate
5.0%
5.3% below peer avg
SBA Loan Volume
40 loans
Across 26 lenders
Lender Diversity
26 lenders
Avg 1.5 loans per lender
Investment Tier
Significant investment
$133,999 to $496,000 total
Payment Estimator
Estimated Monthly Payment
$1,387
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
Philly Pretzel Factory, 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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