Calculators & Tools

Model your investment before you commit. All free, all instant.

Full Franchise Affordability Calculator

In-depth report: score, SBA, ROBS, HELOC, and investment ranges you qualify for.

A common rule of thumb: your total franchise investment should not exceed 4× your liquid capital.

Liquid capital available

$100,000

Your realistic investment ceiling

$400,000

Recommended tier: $250K–$500K

Initial investment: $200,000

AUV (median): $500,000

Net margin before royalty: 15%

Royalty: 7%

Annual take-home

$40,000

5-year cumulative

$200,000

Payback period

5.0 yrs

Illustrative only. Use median Item 19 figures, not averages, for realism.

Estimate monthly debt service for a blended cash + ROBS + SBA stack.

Total project: $250,000

Cash: 20%

ROBS: 30%

SBA loan (50%)

$125,000

Est. monthly payment (10yr @ 11%)

$1,722/mo

Illustrative SBA 7(a) at 11% over 10 years. Real rates vary.