FRANCHISEL.COM — LENDER READINESS PACK
Chick-fil-A (License Program)
Chick-fil-A, Inc.
Generated April 6, 2026
Source: 2025 FDD
Government-Filed Source ✓
Chick-fil-A (License Program)
Lender Readiness Pack · 2025 FDD
Purpose of This Document
This Lender Readiness Pack summarizes key financial metrics for a Chick-fil-A (License Program) franchise opportunity, sourced from the 2025 Franchise Disclosure Document filed with a state franchise regulator. All financial figures are from official FDD disclosures. Editorial projections are labeled as such and do not constitute guarantees. Consult a franchise attorney and SBA lender before making any commitments.1. Business Overview
Items 1-2| Franchisor | Chick-fil-A, Inc. |
| Concept | Chick-fil-A (License Program) |
| Category | Food Beverage |
| Year Franchising Began | 1992 |
| Total System Units | 425 |
| Franchised Units | 425 |
| FDD Year | 2025 |
| Data Source | 2025 Government-Filed FDD ✓ |
2. Investment Requirements
Items 5-7| Total Investment Range | $585,500 – $3,437,000 |
| Investment — Low Estimate | $585,500 |
| Investment — High Estimate | $3,437,000 |
| Investment — Midpoint | $2,011,250 |
| Initial Franchise Fee | See FDD |
| Ongoing Royalty | 10% |
| Marketing Fund | 0% |
3. Revenue Performance (Item 19)
Item 19| Average Gross Revenue | $3,451,788 |
| Median Revenue | $3,152,764 |
| Units Included | 409 |
| Basis | open over 1yr |
| Revenue Type | gross_sales |
| Measurement Period | Calendar Year 2024 |
| Measurement Year | 2024 |
5. System Health (Item 20)
Item 20| Units Opened (reporting period) | +18 |
| Units Closed | 0 |
| Net Unit Growth | +13 |
| Annual Turnover Rate | 1.2% |
| System Health Score (FDD-derived) | 8/10 |
6. Franchisor Financial Health (Item 21)
Item 21| Audited Financials | Yes — independent audit |
| Auditor | PRICEWATERHOUSECOOPERS LLP |
| Auditor Opinion | Clean |
| Going Concern Warning | None ✓ |
| Franchisor Revenue | $9,062,620,436 |
| Total Assets | $16,587,589,467 |
| Equity | $5,843,399,742 |
| Net Income | $1,044,197,186 |
| Financial Strength Signal | Strong |
| Franchisor Strength Score (FDD-derived) | 9/10 |
7. Contract Summary (Item 17)
Item 17| Cure Period (before termination) | 30 days |
| Non-Compete (post-termination) | 1yr / 0mi |
| Mandatory Arbitration | No |
| Dispute Venue | Superior Court of Fulton County, GA or U.S. District Court N.D. Georgia, Atlanta Division |
| Contract Friction Score (FDD-derived) | 7/10 |
8. Territory Analysis (Item 12)
Item 12| Territory Risk Score | 0/10 — Critical Encroachment Risk |
| Exclusive Territory | No — encroachment risk |
| Territory Type | none |
| Franchisor May Compete | Yes — risk to borrower |
| Online Sales Reserved by Franchisor | Yes |
NO exclusive territory — encroachment risk exists; franchisor may operate competing channels in your market; franchisor reserves online/ecommerce sales; no defined territory type.
9. Management Team (Item 2)
Item 2| Management Quality Score | 5 / 10 — Adequate Management Signal |
Thin executive bench (≤1 senior role identified).
Extracted from Item 2 (Business Experience) via automated pattern matching · Confidence: medium
10. Supplier Dependence (Item 8)
Item 8| Supplier Risk Score | 9 / 10 — Critical Supplier Dependence |
| Required Purchases | Yes |
| Approved Supplier List | Yes — defined list required |
| Franchisor Supplier Revenue | Yes ⚠ |
| Alternative Suppliers Allowed | Yes (with approval) |
| Lock-In Score (0–10) | 9 / 10 |
Alternative suppliers may be approved with permission; mandatory purchases required from approved sources; defined approved supplier list exists; franchisor or affiliate receives revenue from supplier arrangements; mandatory categories: food_ingredients, packaging, equipment….
12. SBA Lending Notes
Loan Amount Guidance
Based on the investment range ($585,500 – $3,437,000), an SBA 7(a) loan would typically cover $468,400–$2,749,600 (80% of total investment). Down payment requirement: typically 10–30% of total project cost.
SBA Registry Status
Check the SBA Franchise Registry (franchisedirectory.sba.gov) to confirm whether Chick-fil-A (License Program) is listed. Brands on the registry have pre-approved franchise agreements, simplifying the loan process.
Documents Required for SBA Application
- Current FDD (Item 21 audited financial statements are required)
- Signed franchise agreement (or executed copy)
- Personal financial statement (SBA Form 413)
- Business plan with financial projections (prepare separately with your accountant)
- 3 years personal tax returns
- Real estate lease or letter of intent
Disclaimer: This Lender Readiness Pack was generated by Franchisel.com from the 2025 Franchise Disclosure Document filed with a state franchise regulator. Source: Deep extraction from 2025 License Program FDD filed with WI DFI (filing #638216). 330 pages. 295 pages read across all 23 Items, 6 exhibits deep-read (B-1, B-2, C, E, F, G), 13 state addenda decoded, 384 franchisee entities CID-decoded. 40 canonical families, 40 evidence-grounded fields. Scorecard: 100/100 post-gold-regression. Regression-checked against 3 gold sources with 7 recoveries and 3 conflict adjudications.. Scenario economics are editorial projections using category cost benchmarks — they are NOT guarantees of performance and are NOT sourced from the FDD. This document does not constitute legal, financial, or investment advice. Verify all figures with a qualified franchise attorney and SBA lender before proceeding. Generated April 6, 2026 by Franchisel.com — buyer-aligned, never franchisor-funded.