Straw Hat Pizza
The total investment to open a Straw Hat Pizza franchise ranges from $56,500 to $747,100. The initial franchise fee is $47,750.
What is the Straw Hat Pizza franchise?
Straw Hat Pizza is a pizza restaurant serving families and other diners. The estimated total initial investment to open ranges from $56,500 to $747,100. The initial franchise fee is $47,750.
The franchise is headquartered in San Jose, California, and was founded in 1960.
Loan Activity Score
20/100
SBA Default Rate
29.4%
Active Lenders
14
According to its Franchise Disclosure Document or public business records, Straw Hat Pizza has 14 locations, all owned by franchisees. Public SBA loan records show 14 lenders made 17 loans to franchisees of Straw Hat Pizza. PeerSense calculates Straw Hat Pizza's score as 20 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1960 · 14 locations
$56,500 to $747,100
$47,750
14
14 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Straw Hat Pizza
17
Total SBA loans
$341K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Straw Hat Pizza
Loan Activity Score Breakdown
Growing (10 to 24 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
29.4%
vs 10.3% peer avg
SBA Loans
17
Total Volume
$5.8M
Active Lenders
14
1 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 Straw Hat Pizza based on SBA lending data
SBA Default Rate
29.4%
19.1% above peer avg
SBA Loan Volume
17 loans
Across 14 lenders
Lender Diversity
14 lenders
Avg 1.2 loans per lender
Investment Tier
Significant investment
$56,500 to $747,100 total
Straw Hat Pizza: 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
1999
3 approvals. The best year on record for Straw Hat Pizza.
Top SBA State
California
16 SBA financed Straw Hat Pizza locations, the densest operator footprint.
Average Loan Size
$367K
Median $159K. Use as a sizing anchor when modeling your own Straw Hat Pizza unit.
Lender Concentration
30%
Moderately Spread
Share of Straw Hat Pizza approvals captured by the top 3 SBA lenders.
Straw Hat Pizza's SBA lending pipeline peaked in 1999 (3 approvals). The last five fiscal years account for 6% of cumulative volume ($115K approved). Operator density is highest in California with 16 SBA financed locations. Average funded ticket sits at $367K, with the median at $159K. Lender mix is moderately spread: the top three SBA lenders account for 30% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$585
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
Straw Hat Pizza, 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; 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