The Flying Biscuit
The total investment to open a The Flying Biscuit franchise ranges from $453,450 to $1.0M. The initial franchise fee is $45,000. Ongoing royalties are 5%.
What is the The Flying Biscuit franchise?
The Flying Biscuit is a full service restaurant serving Southern style comfort food, including biscuits and breakfast and brunch dishes, to diners. The estimated total investment is $453,450 to $1,035,850, and the initial franchise fee is $45,000.
The royalty is 5 percent of sales. The brand was founded in 2020 and is headquartered in Birmingham, AL.
Loan Activity Score
58/100
SBA Default Rate
0.0%
Active Lenders
8
According to its Franchise Disclosure Document or public business records, The Flying Biscuit has 11 locations, all owned by franchisees. Public SBA loan records show 8 lenders made 12 loans to franchisees of The Flying Biscuit. PeerSense calculates The Flying Biscuit's score as 58 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2020 · 11 locations
$453,450 to $1.0M
$45,000
11
11 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for The Flying Biscuit
12
Total SBA loans
$747K
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 Flying Biscuit
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
12
Total Volume
$9.0M
Active Lenders
8
3 selective
States
6
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 Flying Biscuit based on SBA lending data
SBA Default Rate
0.0%
10.3% below peer avg
SBA Loan Volume
12 loans
Across 8 lenders
Lender Diversity
8 lenders
Avg 1.5 loans per lender
Investment Tier
Significant investment
$453,450 to $1,035,850 total
The Flying Biscuit: 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
2025
3 approvals. The best year on record for The Flying Biscuit.
Top SBA State
Alabama
4 SBA financed The Flying Biscuit locations, the densest operator footprint.
Average Loan Size
$711K
Median $703K. Use as a sizing anchor when modeling your own The Flying Biscuit unit.
Lender Concentration
53.8%
Concentrated
Share of The Flying Biscuit approvals captured by the top 3 SBA lenders.
The Flying Biscuit's SBA lending pipeline peaked in 2025 (3 approvals). The last five fiscal years account for 67% of cumulative volume ($7.0M approved). Operator density is highest in Alabama with 4 SBA financed locations. Average funded ticket sits at $711K, with the median at $703K. Lender mix is concentrated: the top three SBA lenders account for 53.8% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$4,694
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 Flying Biscuit, 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