U Build It
The total investment to open a U Build It franchise ranges from $49,160 to $160,010. The initial franchise fee is $49,940. Ongoing royalties are 7% plus a 3% advertising fee.
What is the U Build It franchise?
U Build It is a product design service that helps clients develop and refine designs. The estimated total initial investment is $49,160 to $160,010, and the initial franchise fee is $49,940.
The royalty is 7 percent of sales. The franchise agreement term is 10 years.
U Build It was founded in 1988 and is headquartered in AZ.
Loan Activity Score
23/100
SBA Default Rate
35.7%
Active Lenders
7
According to its Franchise Disclosure Document or public business records, U Build It has 8 locations, all owned by franchisees. Public SBA loan records show 7 lenders made 14 loans to franchisees of U Build It. PeerSense calculates U Build It's score as 23 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2024 Franchise Disclosure Document. To correct a figure, email the current FDD and the differing item numbers to info@peersense.com, and this page will be updated.
Franchising since 1988 · 8 locations
$49,160 to $160,010
$49,940
8
8 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for U Build It
14
Total SBA loans
$110K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for U Build It
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
35.7%
vs 9.9% peer avg
SBA Loans
14
Total Volume
$1.5M
Active Lenders
7
2 selective
States
9
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 U Build It based on SBA lending data
SBA Default Rate
35.7%
25.8% above peer avg
SBA Loan Volume
14 loans
Across 7 lenders
Lender Diversity
7 lenders
Avg 2.0 loans per lender
Investment Tier
Mid range investment
$49,160 to $160,010 total
U Build It: 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
2005
7 approvals. The best year on record for U Build It.
Top SBA State
Florida
2 SBA financed U Build It locations, the densest operator footprint.
Average Loan Size
$110K
Median $117K. Use as a sizing anchor when modeling your own U Build It unit.
Lender Concentration
64.3%
Concentrated
Share of U Build It approvals captured by the top 3 SBA lenders.
U Build It's SBA lending pipeline peaked in 2005 (7 approvals). Operator density is highest in Florida with 2 SBA financed locations. Average funded ticket sits at $110K, with the median at $117K. Lender mix is concentrated: the top three SBA lenders account for 64.3% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$509
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
U Build It, unit breakdown
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Page 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