AtWork franchise research

Investment by format

Format-specific estimates only. Do not combine one format's minimum with another format's maximum.

Investment sourceFDD p.21 ↗

Franchise fees and ongoing costs

Franchise fee

$40,000 to $60,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review.

Royalty

Personnel Businesses: 7% of Gross Revenues (10% on full-time placement revenue); Professional Businesses: 8% of Gross Revenues (10% on full-time placement revenue); accounted for monthly by the 25th for the preceding month.

Marketing contribution

0.5% (basis not captured; see original filing)

Technology fee

$149 per month per user (Technology Bundle Fee), plus AtWork's costs and expenses

Other fees

Risk Management Reserve ($5,000 minimum plus 1% of Gross Revenue withheld monthly up to a schedule maximum); Insurance Fee for Professional Businesses (0.5% of gross payroll plus greater of actual cost or 2.0% for workers' comp); High-Risk Surcharge (1.5% of invoices unpaid over 60 days)

Working capital (FDD Item 7)

Item 7 discloses 'Additional Funds – 6 to 9 months' (not 3 months): $75,000-$139,500 for a Personnel Business, $14,250-$23,500 for a Professional Business, covering overhead such as employees, landlord, suppliers, and utilities but not owner salary/draw or attributable revenue.

Fees sourceFDD p.13 ↗

Working capital is drawn from Item 7. The Investment source below locates the investment section, not an independently verified working-capital scalar.

Investment sourceFDD p.21 ↗

Franchise fee sourceFDD · page not captured ↗

Financial performance: Item 19

Item 19 captured

Yes

Metric / basis

Gross Revenue, Hours Billed, Gross Profits, and Gross Margin for Personnel Business offices (no data provided for Professional Businesses, which had zero franchised outlets)

Reporting period

Calendar Year 2025

Sample

63 of 83 Franchised Personnel Business Offices (excludes 14 offices open less than the full 2025 calendar year, 6 satellite offices, and 22 offices that permanently closed during 2025)

Reported average

$3,658,091

Reported median

$1,842,996

Owner income is not captured. Gross sales and EBITDA are not owner pay. Results depend on the disclosed metric, sample and period; consult the full filing.

Item 19 performance sourceFDD p.56 ↗

Unit growth: Item 20

Reporting year

2025

Scope

franchised outlets

Starting outlets

84

Year-end outlets

83

Net change

-1

Derivation

ending minus starting outlets

Openings

21

Terminations

14

Non-renewals

0

Other closures

7

Reacquisitions

1

Transfers

0

Transfers are not closures. Net change is ending minus starting outlets for the stated scope and year, or complete openings less terminations, non-renewals, other closures and reacquisitions. Missing inputs stay unknown.

Unit growth sourceFDD p.59 ↗

SBA loan history

Loan activity

10 approvals

Activity window

FY2021-FY2026 YTD; snapshot 2026-06-30

Median SBA loan

$200,000

Median loan window

FY2023-FY2026 YTD through 2026-06-30

Median loan sample

10 loans

Historical charge-off share

Suppressed: fewer than 10 seasoned loans

Cohort

7(a) FY2010-2019 approvals

Numerator / denominator

2 / 4

Formula

CHGOFF / (PIF + CHGOFF + EXEMPT) × 100

This is a historical loan-level share, not a franchise failure probability or location survival rate. Loan size is not total investment. Other loan statuses are excluded from the seasoned denominator. Activity combines 7(a) and 504 approvals, excluding canceled and not-funded records; this is not a rolling five-year count. FY2024-25 franchise tags are sparse after directory suspension; fewer tagged loans do not establish brand decline. Recent charge-off cohorts are immature.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median loan amounts are financing context, not startup cost. The median window is separate from the seasoned charge-off cohort.

Median SBA loan sourceSBA data · Jun 30, 2026 ↗

Questions before you invest

How much does AtWork franchise cost?

Personnel Business: $165,000 to $250,000; Professional Business: $95,000 to $115,500 These are format-specific estimates, not a guaranteed cash requirement. Franchise fee: $40,000 to $60,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review..

Investment sourceFDD p.21 ↗

Franchise fee sourceFDD · page not captured ↗

How much do AtWork owners make?

Owner income is not captured. Gross sales and EBITDA are not owner pay. Item 19 metric: Gross Revenue, Hours Billed, Gross Profits, and Gross Margin for Personnel Business offices (no data provided for Professional Businesses, which had zero franchised outlets). Sample: 63 of 83 Franchised Personnel Business Offices (excludes 14 offices open less than the full 2025 calendar year, 6 satellite offices, and 22 offices that permanently closed during 2025). Period: Calendar Year 2025.

Item 19 performance sourceFDD p.56 ↗

What's the SBA charge-off rate for AtWork?

Suppressed: fewer than 10 seasoned loans; numerator / denominator: 2 / 4. Historical 7(a) FY2010-2019 approvals; CHGOFF / (PIF + CHGOFF + EXEMPT) × 100, snapshot 2026-06-30. This is not a franchise failure probability. Median SBA loan: $200,000; window: FY2023-FY2026 YTD through 2026-06-30; sample: 10 loans. Median financing is not total investment.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median SBA loan sourceSBA data · Jun 30, 2026 ↗