Matco Tools franchise research

Investment by format

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

Investment sourceFDD · page not captured ↗

Franchise fees and ongoing costs

Franchise fee

$10,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review.

Royalty

Not captured

Marketing contribution

Not captured

Technology fee

Item 1 only: $950 initial software license, $395 license fees for credit card and signature pad processing software, $450 software support and maintenance fee (frequency not stated in packet), $195 webpage set-up fee

Other fees

Not captured

Working capital (FDD Item 7)

Not captured

Fees sourceFDD · page not captured ↗

Franchise fee sourceFDD · page not captured ↗

Financial performance: Item 19

Item 19 captured

Yes

Metric / basis

Historical aggregate results of Matco Distributors in Sections 19-A and 19-B (specific metrics not in packet); Item 19 states it does not include net income or profit

Reporting period

2025

Sample

1,491 Matco Distributors

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.87 ↗

Unit growth: Item 20

Reporting year

2025

Scope

franchised outlets

Starting outlets

1811

Year-end outlets

1741

Net change

-70

Derivation

ending minus starting outlets

Openings

211

Terminations

59

Non-renewals

9

Other closures

213

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 · page not captured ↗

SBA loan history

Loan activity

16 approvals

Activity window

FY2021-FY2026 YTD; snapshot 2026-06-30

Median SBA loan

$150,000

Median loan window

FY2023-FY2026 YTD through 2026-06-30

Median loan sample

9 loans

Historical charge-off share

20.83%

Cohort

7(a) FY2010-2019 approvals

Numerator / denominator

5 / 24

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 Matco Tools franchise cost?

Matco Distributorship (mobile distributor): $104,374 to $376,241 These are format-specific estimates, not a guaranteed cash requirement. Franchise fee: $10,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review..

Investment sourceFDD · page not captured ↗

Franchise fee sourceFDD · page not captured ↗

How much do Matco Tools owners make?

Owner income is not captured. Gross sales and EBITDA are not owner pay. Item 19 metric: Historical aggregate results of Matco Distributors in Sections 19-A and 19-B (specific metrics not in packet); Item 19 states it does not include net income or profit. Sample: 1,491 Matco Distributors. Period: 2025.

Item 19 performance sourceFDD p.87 ↗

What's the SBA charge-off rate for Matco Tools?

20.83%; numerator / denominator: 5 / 24. 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: $150,000; window: FY2023-FY2026 YTD through 2026-06-30; sample: 9 loans. Median financing is not total investment.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median SBA loan sourceSBA data · Jun 30, 2026 ↗