Rocky Mountain Chocolate Factory 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

$20,000 to $35,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review.

Royalty

5% · 5% of Gross Retail Sales, payable weekly; 5% of Net Retail Sales on third-party delivery orders

Marketing contribution

1% (basis not captured; see original filing)

Technology fee

Up to $850/month, billed monthly (not currently charged)

Other fees

Internal Inspection/Audit Fee (cost-based, triggered by noncompliance); 18% interest on late payments; Payment Service Fee up to 4% for card payments

Working capital (FDD Item 7)

Full-sized Store: $44,000-$103,528; Kiosk: $25,500-$33,500. Covers rent, security deposits, pre-operational expenses, legal/accounting, insurance, advertising, employee salaries and other working-capital items for the first 3 months; excludes owner salary/living expenses

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 and median Gross Retail Sales for franchised traditional and non-traditional stores (with quartile breakdown), plus a full P&L (through Store Net Income) for the two parent-operated stores

Reporting period

FY2026 (March 1, 2025 to February 28, 2026)

Sample

77 traditional + 7 non-traditional franchised Locations and 2 traditional Parent Locations (the 'Reporting Group'), out of 136 franchised and 3 parent-owned outlets total as of 2/28/2026; excludes 3 opened, 4 closed, and 1 reacquired location not open 12+ months, and 44 outlets with inadequate reporting or reduced (non 7-day) schedules

Reported average

$705,680

Reported median

$647,895

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

FY2026 (year ended February 28, 2026)

Scope

franchised outlets

Starting outlets

138

Year-end outlets

136

Net change

-2

Derivation

ending minus starting outlets

Openings

3

Terminations

3

Non-renewals

0

Other closures

1

Reacquisitions

1

Transfers

4

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

12 approvals

Activity window

FY2021-FY2026 YTD; snapshot 2026-06-30

Median SBA loan

$577,250

Median loan window

FY2023-FY2026 YTD through 2026-06-30

Median loan sample

8 loans

Historical charge-off share

12.00%

Cohort

7(a) FY2010-2019 approvals

Numerator / denominator

3 / 25

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 Rocky Mountain Chocolate Factory franchise cost?

Full-sized Store: $488,261 to $907,428; Kiosk: $181,100 to $482,900 These are format-specific estimates, not a guaranteed cash requirement. Franchise fee: $20,000 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 Rocky Mountain Chocolate Factory owners make?

Owner income is not captured. Gross sales and EBITDA are not owner pay. Item 19 metric: Average and median Gross Retail Sales for franchised traditional and non-traditional stores (with quartile breakdown), plus a full P&L (through Store Net Income) for the two parent-operated stores. Sample: 77 traditional + 7 non-traditional franchised Locations and 2 traditional Parent Locations (the 'Reporting Group'), out of 136 franchised and 3 parent-owned outlets total as of 2/28/2026; excludes 3 opened, 4 closed, and 1 reacquired location not open 12+ months, and 44 outlets with inadequate reporting or reduced (non 7-day) schedules. Period: FY2026 (March 1, 2025 to February 28, 2026).

Item 19 performance sourceFDD p.56 ↗

What's the SBA charge-off rate for Rocky Mountain Chocolate Factory?

12.00%; numerator / denominator: 3 / 25. 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: $577,250; window: FY2023-FY2026 YTD through 2026-06-30; sample: 8 loans. Median financing is not total investment.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median SBA loan sourceSBA data · Jun 30, 2026 ↗