Brightway Insurance franchise research

Investment by format

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

Investment sourceFDD p.22 ↗

Franchise fees and ongoing costs

Franchise fee

$25,000 to $35,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review.

Royalty

No traditional royalty on gross sales; instead Brightway retains 20% of New Business commissions and 50% of Renewal Business commissions (franchisee keeps 80%/50%, or up to 85%/70% under enhanced-commission incentive programs).

Marketing contribution

Not captured

Technology fee

Per-Location Technology Fee $200/month; Per-Active-User Technology Fee $209/month; Per-Inactive-User Technology Fee $75/month; Brightway Fusion $90/user/month (capped at $450/month) - amounts change periodically, increases capped at 15%/year

Other fees

Bad/No Email Address Fee $5/customer/year; insurance obtained on your behalf if non-compliant (premium + 18% admin cost); New Hire Set-Up Fee up to $500

Working capital (FDD Item 7)

Item 7 discloses a six-month figure (not three months): $15,000 to $90,000, covering rent, taxes, insurance, supplies, utilities, technology costs, licenses/permits, bank charges, repair/maintenance, and grass-roots advertising; excludes commissions withheld by Brightway and owner salary.

Fees sourceFDD p.15 ↗

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.22 ↗

Franchise fee sourceFDD · page not captured ↗

Financial performance: Item 19

Item 19 captured

Yes

Metric / basis

Average/median/top-quartile/bottom-quartile Gross Commission Revenue and New Business policy production, segmented by number of Producers per location (Table 1); New Business production and premium per full-time Producer (Table 2); Annualized Premium book-of-business size distribution by Agency Owner (Table 3)

Reporting period

Calendar year 2025

Sample

272 of 351 franchised Brightway Locations that were open the entire 2025 calendar year (Tables 1 and 3); 409 full-time Producers across those locations (Table 2); 260 Agency Owners operating the 272 locations (Table 3)

Reported average

Not captured

Reported median

Not captured

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.55 ↗

Unit growth: Item 20

Reporting year

2025

Scope

franchised outlets

Starting outlets

337

Year-end outlets

351

Net change

+14

Derivation

ending minus starting outlets

Openings

81

Terminations

23

Non-renewals

4

Other closures

40

Reacquisitions

0

Transfers

1

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.61 ↗

SBA loan history

Loan activity

0 approvals

Activity window

FY2021-FY2026 YTD; snapshot 2026-06-30

Median SBA loan

Not captured

Median loan window

Not captured

Median loan sample

Not captured

Historical charge-off share

18.18%

Cohort

7(a) FY2010-2019 approvals

Numerator / denominator

2 / 11

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 ↗

Questions before you invest

How much does Brightway Insurance franchise cost?

standard single-unit Brightway Location: $43,425 to $186,900 These are format-specific estimates, not a guaranteed cash requirement. Franchise fee: $25,000 to $35,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review..

Investment sourceFDD p.22 ↗

Franchise fee sourceFDD · page not captured ↗

How much do Brightway Insurance owners make?

Owner income is not captured. Gross sales and EBITDA are not owner pay. Item 19 metric: Average/median/top-quartile/bottom-quartile Gross Commission Revenue and New Business policy production, segmented by number of Producers per location (Table 1); New Business production and premium per full-time Producer (Table 2); Annualized Premium book-of-business size distribution by Agency Owner (Table 3). Sample: 272 of 351 franchised Brightway Locations that were open the entire 2025 calendar year (Tables 1 and 3); 409 full-time Producers across those locations (Table 2); 260 Agency Owners operating the 272 locations (Table 3). Period: Calendar year 2025.

Item 19 performance sourceFDD p.55 ↗

What's the SBA charge-off rate for Brightway Insurance?

18.18%; numerator / denominator: 2 / 11. Historical 7(a) FY2010-2019 approvals; CHGOFF / (PIF + CHGOFF + EXEMPT) × 100, snapshot 2026-06-30. This is not a franchise failure probability.

SBA loans sourceSBA data · Jun 30, 2026 ↗