Sourdough & Co
The total investment to open a Sourdough & Co franchise ranges from $285,800 to $568,725. The initial franchise fee is $49,500. Ongoing royalties are 5%.
What is the Sourdough & Co franchise?
Sourdough & Co is a fast casual restaurant that sells sandwiches. The estimated total initial investment is $285,800 to $568,725, and the initial franchise fee is $49,500.
The royalty is 5 percent of Gross Sales. The franchise agreement lasts 10 years.
Sourdough & Co is headquartered in Danville, CA. It was founded in 2015.
Loan Activity Score
90/100
SBA Default Rate
1.8%
Active Lenders
9
Franchisees account for 78 of Sourdough & Co's 92 locations. Public SBA loan records show 9 lenders made 14 loans to franchisees of Sourdough & Co. PeerSense calculates Sourdough & Co's score as 90 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2015 · 92 locations
$285,800 to $568,725
$49,500
92
78 franchised
Proprietary PeerSense metric
ExcellentDistinct lenders in public SBA records for Sourdough & Co
14
Total SBA loans
$305K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Sourdough & Co
Loan Activity Score Breakdown
Registration Data Only
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
1.8%
vs 10.3% peer avg
SBA Loans
14
Total Volume
$4.3M
Active Lenders
9
2 selective
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 Sourdough & Co based on SBA lending data
SBA Default Rate
1.8%
8.5% below peer avg
SBA Loan Volume
14 loans
Across 9 lenders
Lender Diversity
9 lenders
Avg 1.6 loans per lender
Investment Tier
Significant investment
$285,800 to $568,725 total
Sourdough & Co: 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
2026
5 approvals. The best year on record for Sourdough & Co.
Top SBA State
California
10 SBA financed Sourdough & Co locations, the densest operator footprint.
Average Loan Size
$305K
Median $340K. Use as a sizing anchor when modeling your own Sourdough & Co unit.
Lender Concentration
57.1%
Concentrated
Share of Sourdough & Co approvals captured by the top 3 SBA lenders.
Sourdough & Co's SBA lending pipeline peaked in 2026 (5 approvals). The last five fiscal years account for 100% of cumulative volume ($4.3M approved). Operator density is highest in California with 10 SBA financed locations. Average funded ticket sits at $305K, with the median at $340K. Lender mix is concentrated: the top three SBA lenders account for 57.1% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$2,959
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
Sourdough & Co, unit breakdown
Explore Funding for Sourdough & Co
Our business financing consultants help connect you with the right lending partners. Referral fee paid at closing.
Or get an instant analysis
Scan Your Deal InstantlyPage 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; 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