FRANCHISEL.COM — LENDER READINESS PACK
Smoothie King
Generated April 6, 2026
Source: 2025 FDD
Government-Filed Source ✓
Smoothie King
Lender Readiness Pack · 2025 FDD
Purpose of This Document
This Lender Readiness Pack summarizes key financial metrics for a Smoothie King 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 | |
| Concept | Smoothie King |
| Category | Food Beverage |
| Year Franchising Began | 1988 |
| Total System Units | 1,201 |
| Franchised Units | 1,149 |
| FDD Year | 2025 |
| Data Source | 2025 Government-Filed FDD ✓ |
2. Investment Requirements
Items 5-7| Total Investment Range | $346,350 – $679,465 |
| Investment — Low Estimate | $346,350 |
| Investment — High Estimate | $679,465 |
| Investment — Midpoint | $512,908 |
| Initial Franchise Fee | $30,000 |
| Ongoing Royalty | 6.0 |
| Marketing Fund | 3.0 |
3. Revenue Performance (Item 19)
Item 19| Average Gross Revenue | $659,567 |
| Median Revenue | $627,145 |
| Units Included | Not specified |
| Basis | all units |
| Revenue Type | net |
| Measurement Period | Annual |
| Measurement Year | 2024 |
5. System Health (Item 20)
Item 20| Units Opened (reporting period) | 0 |
| Units Closed | 0 |
| Net Unit Growth | +0 |
| Annual Turnover Rate | See FDD |
| System Health Score (FDD-derived) | 7/10 |
6. Franchisor Financial Health (Item 21)
Item 21| Audited Financials | Yes — independent audit |
| Going Concern Warning | None ✓ |
| Franchisor Strength Score (FDD-derived) | 7/10 |
7. Contract Summary (Item 17)
Item 17| Renewal Rights | 1× 10 yr |
| Cure Period (before termination) | 10 days |
| Non-Compete (post-termination) | ?yr / ?mi |
| Mandatory Arbitration | No |
| Contract Friction Score (FDD-derived) | 6/10 |
8. Territory Analysis (Item 12)
Item 12| Territory Risk Score | 2/10 — Critical Encroachment Risk |
| Exclusive Territory | No — encroachment risk |
| Territory Type | population |
| Territory Radius | 3 miles |
| Territory Population | 15,000 |
| Online Sales Reserved by Franchisor | Yes |
NO exclusive territory — encroachment risk exists; franchisor reserves online/ecommerce sales; population-based territory (15,000 pop.); territory contingent on performance requirements.
9. Management Team (Item 2)
Item 2| Management Quality Score | 8 / 10 — Strong Management Signal |
| Senior Executives | 8 |
| Franchise System Experience | Yes — disclosed in Item 2 |
| Long-Tenured Leadership (5+ yrs) | Yes |
| Recent Leadership Changes | Yes — within 2 yrs of FDD filing |
Leadership has prior franchise system experience; long-tenured executives (5+ years); recent leadership changes detected; 8 senior roles identified.
Extracted from Item 2 (Business Experience) via automated pattern matching · Confidence: medium
10. Supplier Dependence (Item 8)
Item 8| Supplier Risk Score | 3 / 10 — Low Supplier Lock-In |
| Spec-Based Sourcing | Yes — free sourcing if specs met |
| Lock-In Score (0–10) | 4 / 10 |
Franchisee may source freely if specifications are met.
12. SBA Lending Notes
Loan Amount Guidance
Based on the investment range ($346,350 – $679,465), an SBA 7(a) loan would typically cover $277,080–$543,572 (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 Smoothie King 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: Extracted from 2025 FDD filed with WI DFI (file #638387). Source: 638387-2025-Smoothie-King.pdf. 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.