Enter your liquid capital and net worth to see which franchises in our database match your financial profile. Results are based on published FDD Item 7 requirements, not a recommendation.
Cash, savings, accessible investments - funds you can deploy without selling illiquid assets
Total assets minus total liabilities (for franchises that have net worth requirements)
Jan-Pro
home-services
Liquid Required
$1K
Total Investment
$4K–$54K
SBA Eligible
Yes
Commercial cleaning unit franchise (master franchises have different cost profile: $129K–$769K). Unit franchisees receive guaranteed accounts.
Jazzercise
fitness
Liquid Required
$5K
Total Investment
$3K–$39K
SBA Eligible
Yes
Instructor-led model - very low capital, high royalty %. Most franchisees are independent instructors using rented studio space.
Chick-fil-A
fast-food
Liquid Required
$10K
Total Investment
$10K–$10K
SBA Eligible
No
Operator model: $10K fee but no ownership. Chick-fil-A owns restaurant, equipment, real estate. Approval rate <1%. Operator earns $200K–$500K+/yr.
Snap-on Tools
automotive
Liquid Required
$43K
Total Investment
$222K–$484K
SBA Eligible
Yes
Mobile franchise (route-based truck). Flat monthly service fee, not percentage royalty. Inventory financing through Snap-on Credit.
7-Eleven
convenience
Liquid Required
$50K
Total Investment
$37K–$1.8M
SBA Eligible
Yes
Gross profit split (50–52%). 7-Eleven provides store, equipment, and inventory. Fee = goodwill value of existing store.
Great Clips
service
Liquid Required
$50K
Total Investment
$156K–$343K
SBA Eligible
Yes
No-appointment hair salon model. Multi-unit operators dominate the system.
British Swim School
education
Liquid Required
$50K
Total Investment
$115K–$210K
SBA Eligible
Yes
Asset-light model - uses partner pools (hotels, gyms, community centers) instead of building own facility.
The UPS Store
shipping-print
Liquid Required
$75K
Total Investment
$121K–$508K
SBA Eligible
Yes
New build vs. resale of existing center have different cost profiles. B2B client base (recurring print/ship contracts) is key differentiator.
Domino's
fast-food
Liquid Required
$75K
Total Investment
$170K–$542K
SBA Eligible
Yes
Internal franchising program (Manager Training School) lets store managers buy stores at reduced fee. Heavy delivery and digital-order mix.
Papa John's
fast-food
Liquid Required
$75K
Total Investment
$130K–$844K
SBA Eligible
Yes
High ad-fund percentage (8%) relative to peer pizza chains. Lower entry cost than Domino's in some markets.
Mathnasium
education
Liquid Required
$75K
Total Investment
$113K–$151K
SBA Eligible
Yes
After-school math tutoring center. Low buildout cost relative to peer education franchises.
Servpro
home-services
Liquid Required
$80K
Total Investment
$231K–$283K
SBA Eligible
Yes
Fire/water damage restoration. Royalty operates on sliding scale (3–10%) based on monthly revenue. Strong insurance-claim referral pipeline.
Jersey Mike's
fast-food
Liquid Required
$100K
Total Investment
$237K–$1.0M
SBA Eligible
Yes
Higher AUV than most sandwich competitors. Strong brand momentum from 2010s growth.
Marco's Pizza
fast-food
Liquid Required
$100K
Total Investment
$325K–$899K
SBA Eligible
Yes
Carry-out and delivery focused. Multi-unit area-development agreements common.
Dunkin'
coffee
Liquid Required
$125K
Total Investment
$110K–$1.6M
SBA Eligible
Yes
Wide investment range due to format differences (end-cap vs freestanding drive-through). Most buyers spend $300K–$700K.
Supercuts
service
Liquid Required
$150K
Total Investment
$151K–$322K
SBA Eligible
Yes
Mature system with high market saturation. Most growth comes from refranchising or acquisitions.
Sport Clips
Requires $200K liquid · $400K net worth
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Due diligence steps before signing any franchise agreement - including how to read Item 19 and what to ask existing franchisees.
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This tool matches your financial profile against published franchise requirements. It is not an endorsement of any franchise. Verify all requirements directly with the franchisor and a qualified franchise attorney before signing. Disclaimer →
Every franchise system publishes two financial floors in Item 7 of its Franchise Disclosure Document (FDD): the estimated initial investment range and the minimum liquid capital and net worth a buyer must demonstrate to qualify.
Liquid capital covers cash and near-cash assets a buyer can deploy at closing. Net worth captures the buyer\'s total financial picture, including illiquid assets like home equity. Franchisors require both because liquid funds the equity injection while net worth signals capacity to absorb early operating losses.
The checker compares the inputs you provide against the published Item 7 minimums for each franchise in the database. It returns a factual match list, not a brand recommendation. Use it as a starting filter for franchises you can financially qualify to investigate further.
Three buyer profiles and the franchise tiers they typically qualify for. Run your own profile in the calculator above for a personalized match list.
Most franchise systems publish two minimums in Item 7 of their Franchise Disclosure Document (FDD): liquid capital and net worth. Liquid capital is cash and near-cash you can deploy at closing, typically $50,000 to $500,000 depending on the brand. Net worth is total assets minus total liabilities, typically $150,000 to $2,000,000. Some emerging or low-cost brands set the bar at $25,000 liquid and $100,000 net worth. Premium brands like Chick-fil-A or major QSR multi-unit deals can require $1 million+ liquid.
Liquid capital is what you can write a check from today: bank accounts, money market funds, brokerage accounts you are willing to liquidate, and (sometimes) retirement accounts available through ROBS. Net worth is the total picture: liquid plus illiquid assets (home equity, investment property, business interests, vehicles) minus all liabilities (mortgage, student loans, credit card balances). Franchisors require minimum levels of both because liquid covers the equity injection at closing while net worth signals the buyer can absorb operating losses in early months.
Item 7 of the Franchise Disclosure Document (FDD) lists the estimated initial investment range. The FDD itself is the primary source. Franchisor websites, franchise broker sites, and aggregator listings often cite different numbers, sometimes the floor of the range. The full investment includes the franchise fee, build-out and equipment, opening inventory, working capital for the first 3 to 6 months, training and travel expenses, grand opening marketing, and other line items disclosed in Item 7. The published FDD is the definitive figure.
Sometimes. Many franchisors negotiate liquid capital floors for qualified buyers with strong credit, relevant experience, or net worth significantly above the minimum. SBA 7(a) financing covers the gap between liquid capital and total investment for buyers in the SBA Franchise Registry, with a 10 percent down payment from the buyer's personal funds typical. ROBS structures let buyers use 401(k) or IRA funds for the equity injection without a taxable distribution. Family lending and partner equity also fill liquid capital gaps.
No. The tool runs a factual match between your financial inputs and the published Item 7 minimums of franchises in the database. It does not weight brands by ROI, growth, satisfaction scores, or any qualitative factor. A high match score means the brand will not disqualify you on financial grounds; it does not mean the brand is a good fit for your skills, market, or risk tolerance. Use the result as a starting filter, not a recommendation.
Item 7 covers the upfront investment but rarely includes the buyer's personal living expenses during ramp-up, business loan closing costs and SBA fees, real estate due diligence and lease negotiation legal fees, working capital reserves beyond the 3 to 6 months disclosed, and any unit-level shortfalls in early months that the buyer absorbs personally. A 15 to 25 percent reserve above the FDD high-end estimate is a reasonable cushion for first-time franchisees.