Uptown Cheapskate franchise research

Investment by format

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

Investment sourceFDD p.19 ↗

Franchise fees and ongoing costs

Franchise fee

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

Royalty

5% · 5.0% of Gross Sales, payable monthly on the 10th day of the following month

Marketing contribution

0.5% (basis not captured; see original filing)

Technology fee

$350/month Computer Support Fee (may rise up to $100/yr); $50/hour ($25 min) Tech Support Fee if Computer System Standards not met

Other fees

Not captured

Working capital (FDD Item 7)

$40,000 to $67,500 estimated for the Open to Buy period and the period following Grand Opening, covering payroll, facilities, utilities, internet and other operating expenses; excludes financing costs.

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.19 ↗

Franchise fee sourceFDD · page not captured ↗

Financial performance: Item 19

Item 19 captured

Yes

Metric / basis

Average, median, and Gross-Sales-quartile figures for Gross Sales, COGS, Gross Profit, operating expense categories (Administration, Facility, Sales Expense, Labor, Franchise Royalty, Marketing Fund), and Net Income, shown separately for franchised outlets, company-owned outlets, and the combined system

Reporting period

November 1, 2024 through October 31, 2025

Sample

129 stores in the consideration set (115 franchised, 14 company-owned), out of 157 total stores operating during the period; 28 stores were excluded (23 open under 12 months, 4 with incomplete financial reports, 1 that ceased operations)

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.56 ↗

Unit growth: Item 20

Reporting year

2025

Scope

franchised outlets

Starting outlets

Not captured

Year-end outlets

Not captured

Net change

Not captured

Derivation

Not captured: comparable counts or complete movements missing

Openings

Not captured

Terminations

Not captured

Non-renewals

Not captured

Other closures

Not captured

Reacquisitions

Not captured

Transfers

Not captured

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.68 ↗

SBA loan history

Loan activity

67 approvals

Activity window

FY2021-FY2026 YTD; snapshot 2026-06-30

Median SBA loan

$645,650

Median loan window

FY2023-FY2026 YTD through 2026-06-30

Median loan sample

40 loans

Historical charge-off share

8.57%

Cohort

7(a) FY2010-2019 approvals

Numerator / denominator

3 / 35

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 Uptown Cheapskate franchise cost?

standard single franchise: $364,015 to $682,215; Area Development Agreement (2 franchises): $728,030 to $1,364,430 These are format-specific estimates, not a guaranteed cash requirement. Franchise fee: $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.19 ↗

Franchise fee sourceFDD · page not captured ↗

How much do Uptown Cheapskate owners make?

Owner income is not captured. Gross sales and EBITDA are not owner pay. Item 19 metric: Average, median, and Gross-Sales-quartile figures for Gross Sales, COGS, Gross Profit, operating expense categories (Administration, Facility, Sales Expense, Labor, Franchise Royalty, Marketing Fund), and Net Income, shown separately for franchised outlets, company-owned outlets, and the combined system. Sample: 129 stores in the consideration set (115 franchised, 14 company-owned), out of 157 total stores operating during the period; 28 stores were excluded (23 open under 12 months, 4 with incomplete financial reports, 1 that ceased operations). Period: November 1, 2024 through October 31, 2025.

Item 19 performance sourceFDD p.56 ↗

What's the SBA charge-off rate for Uptown Cheapskate?

8.57%; numerator / denominator: 3 / 35. 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: $645,650; window: FY2023-FY2026 YTD through 2026-06-30; sample: 40 loans. Median financing is not total investment.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median SBA loan sourceSBA data · Jun 30, 2026 ↗