The Egg & I
The total investment to open a The Egg & I franchise ranges from $428,200 to $724,100. The initial franchise fee is $45,000. Ongoing royalties are 4% plus a 2% advertising fee.
What is the The Egg & I franchise?
The Egg & I is a sit down restaurant serving breakfast and lunch, with an estimated total initial investment of $428,200 to $724,100. The initial franchise fee is $45,000.
The royalty is 4 percent of sales, and the advertising or brand fund fee is 2 percent. The franchise agreement term is 10 years.
The brand was founded in 1987 and is headquartered in Bradenton, FL.
Loan Activity Score
46/100
SBA Default Rate
0.0%
Active Lenders
7
According to its Franchise Disclosure Document or public business records, The Egg & I has 9 locations, all owned by franchisees. Public SBA loan records show 7 lenders made 10 loans to franchisees of The Egg & I. PeerSense calculates The Egg & I's score as 46 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 1987 · 9 locations
$428,200 to $724,100
$45,000
9
9 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for The Egg & I
10
Total SBA loans
$579K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for The Egg & I
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
0.0%
vs 10.3% peer avg
SBA Loans
10
Total Volume
$5.8M
Active Lenders
7
2 selective
States
7
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 The Egg & I based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
10 loans
Across 7 lenders
Lender Diversity
7 lenders
Avg 1.4 loans per lender
Investment Tier
Significant investment
$428,200 to $724,100 total
The Egg & I: 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
2015
4 approvals. The best year on record for The Egg & I.
Top SBA State
North Carolina
2 SBA financed The Egg & I locations, the densest operator footprint.
Average Loan Size
$582K
Median $566K. Use as a sizing anchor when modeling your own The Egg & I unit.
Lender Concentration
54.5%
Concentrated
Share of The Egg & I approvals captured by the top 3 SBA lenders.
The Egg & I's SBA lending pipeline peaked in 2015 (4 approvals). Operator density is highest in North Carolina with 2 SBA financed locations. Average funded ticket sits at $582K, with the median at $566K. Lender mix is concentrated: the top three SBA lenders account for 54.5% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$4,433
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
The Egg & I, 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
Last reviewed LinkedIn profileAbout Edward Freeman