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Food & Beverage · Brand S1990

Ziggi's Coffee franchise research

Costs by format. Disclosure context. Historical loan evidence. Know what is captured and what still needs diligence.

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Source: FDD issued Not captured · SBA data through Jun 30, 2026 · Automated extraction, not human-reviewed · View all sources

Investment
$586,830 to $1,759,855
Drive Thru · +3 more
Royalty
6%
6% of actual Gross Sales, payable weekly on Monday based on prior week's Gross Sales
Working capital
Additional Funds - 3 months: $30,000 to $50,000 (Drive Thru and Cafe formats); $30,000 to $35,000 (Mobile Unit)
FDD Item 7
Units
107
+14 net in 2025
SBA loans approved
68
FY2021 to FY2026 YTD
SBA charge-off share
Small sample
historical, not a failure rate

Investment by format

Estimated initial investment by named format
FormatDisclosed range
Drive Thru$586,830 to $1,759,855
Freestanding Cafe with Drive Thru$655,336 to $2,093,361
Endcap Cafe with Drive Thru$592,336 to $1,148,361
Mobile Unit$315,830 to $464,355

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 $40,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review.
Royalty
6% · 6% of actual Gross Sales, payable weekly on Monday based on prior week's Gross Sales
Marketing contribution
1% (basis not captured; see original filing)
Technology fee
Marketing and Technology Fee currently 1% of Gross Sales weekly (may rise to max 2%); plus Loyalty & Gift Program $200-$225/month, Third Party & Online Ordering $74.99/month + $0.10/transaction, Location & Review Mgmt $27.50/month, Digital Menu Screen $5.15/month (cafe only)
Other fees
LMS license $110/month first year, $100/month thereafter; Mystery shopper $39-$44 per visit (at least monthly); Interest 1.5%/month on late payments
Working capital (FDD Item 7)
Additional Funds - 3 months: $30,000 to $50,000 (Drive Thru and Cafe formats); $30,000 to $35,000 (Mobile Unit)

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, high and low annual Total Sales for franchised Drive Thru (55) and Cafe with Drive Thru (35) shops; affiliate-owned annual Gross Profits (after COGS and labor) for 4 Drive Thru and 2 Cafe shops; average daily Total Sales 2019-2025
Reporting period
Calendar year 2025 (daily sales table covers 2019-2025)
Sample
Franchised: 55 Drive Thru and 35 Cafe with Drive Thru shops open all/substantially all of 2025 (of 107 franchised at year end); affiliates: 4 Drive Thru and 2 Cafe shops
Reported average
$836,537
Reported median
$793,853

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.65 ↗

Unit growth: Item 20

Reporting year
2025
Scope
franchised outlets
Starting outlets
93
Year-end outlets
107
Net change
+14
Derivation
ending minus starting outlets
Openings
16
Terminations
2
Non-renewals
0
Other closures
0
Reacquisitions
0
Transfers
8

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.69 ↗

SBA loan history

Loan activity
68 approvals
Activity window
FY2021-FY2026 YTD; snapshot 2026-06-30
Median SBA loan
$1,194,000
Median loan window
FY2023-FY2026 YTD through 2026-06-30
Median loan sample
29 loans
Historical charge-off share
Suppressed: fewer than 10 seasoned loans
Cohort
7(a) FY2010-2019 approvals
Numerator / denominator
0 / 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 Ziggi's Coffee franchise cost?

Drive Thru: $586,830 to $1,759,855; Freestanding Cafe with Drive Thru: $655,336 to $2,093,361; Endcap Cafe with Drive Thru: $592,336 to $1,148,361; Mobile Unit: $315,830 to $464,355 These are format-specific estimates, not a guaranteed cash requirement. Franchise fee: $25,000 to $40,000 · 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 Ziggi's Coffee owners make?

Owner income is not captured. Gross sales and EBITDA are not owner pay. Item 19 metric: Average, median, high and low annual Total Sales for franchised Drive Thru (55) and Cafe with Drive Thru (35) shops; affiliate-owned annual Gross Profits (after COGS and labor) for 4 Drive Thru and 2 Cafe shops; average daily Total Sales 2019-2025. Sample: Franchised: 55 Drive Thru and 35 Cafe with Drive Thru shops open all/substantially all of 2025 (of 107 franchised at year end); affiliates: 4 Drive Thru and 2 Cafe shops. Period: Calendar year 2025 (daily sales table covers 2019-2025).

Item 19 performance sourceFDD p.65 ↗

What's the SBA charge-off rate for Ziggi's Coffee?

Suppressed: fewer than 10 seasoned loans; numerator / denominator: 0 / 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: $1,194,000; window: FY2023-FY2026 YTD through 2026-06-30; sample: 29 loans. Median financing is not total investment.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median SBA loan sourceSBA data · Jun 30, 2026 ↗

Sources and data details

Every figure above links to the page of the filing it was read from. These are the document IDs, page pointers and checksums behind them, for anyone who wants to audit the data.

Show document IDs, page pointers and hashes
Fees

Original source · FDD issued: Not captured; Registry received: 04/02/2026
Document: 35807-202604-04; document SHA-256: 7bd9770b02e8e724d40f3b18b44c6a531ad5a61542d870442078c71ebad44667
PDF page: 15; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d

Investment

Original source · FDD issued: Not captured; Registry received: 04/02/2026
Document: 35807-202604-04; document SHA-256: 7bd9770b02e8e724d40f3b18b44c6a531ad5a61542d870442078c71ebad44667
PDF page: 22; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d

Franchise fee

Original source · FDD issued: Not captured; Registry received: 04/02/2026
Document: 35807-202604-04; document SHA-256: 7bd9770b02e8e724d40f3b18b44c6a531ad5a61542d870442078c71ebad44667
PDF page: Not captured; pointer: source-known-page-unknown. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Enrichment generated: 2026-10-03T11:34:53.025030+00:00

Item 19 performance

Original source · FDD issued: Not captured; Registry received: 04/02/2026
Document: 35807-202604-04; document SHA-256: 7bd9770b02e8e724d40f3b18b44c6a531ad5a61542d870442078c71ebad44667
PDF page: 65; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d

Unit growth

Original source · FDD issued: Not captured; Registry received: 04/02/2026
Document: 35807-202604-04; document SHA-256: 7bd9770b02e8e724d40f3b18b44c6a531ad5a61542d870442078c71ebad44667
PDF page: 69; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d

SBA loans

Original source · SBA snapshot: 2026-06-30
Document: FOIA_7a_FY2010_FY2019_asof_260630.csv; document SHA-256: 01a3e2c7988a6f4052e53f218a309feb2ec2fe42887bebdc0fa94ac8b1024ade
PDF page: Not captured; pointer: raw-aggregate-recomputed. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Input document hashes: FOIA_7a_FY2010_FY2019_asof_260630.csv: 01a3e2c7988a6f4052e53f218a309feb2ec2fe42887bebdc0fa94ac8b1024ade; FOIA_7a_FY2020_Present_asof_260630.csv: 6c1e9132b5141a19f82bdc8ccafb86c9a01662461cad41ddb36a3cf409d8a4fe; FOIA_504_FY2010_Present_asof_260630.csv: 8c0e15414217254bcde2a253a8f17418b3dc65ce78dbc56cc1f1ab05c4a05ad4; code_map.csv: df55c53a0afc764ee1507d535a1924a3fab105a6daca0143ca56d9791d385d7b

Median SBA loan

Original source · SBA snapshot: 2026-06-30
Document: FOIA_7a_FY2020_Present_asof_260630.csv; document SHA-256: 6c1e9132b5141a19f82bdc8ccafb86c9a01662461cad41ddb36a3cf409d8a4fe
PDF page: Not captured; pointer: raw-median-recomputed. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Input document hashes: FOIA_7a_FY2020_Present_asof_260630.csv: 6c1e9132b5141a19f82bdc8ccafb86c9a01662461cad41ddb36a3cf409d8a4fe; code_map.csv: df55c53a0afc764ee1507d535a1924a3fab105a6daca0143ca56d9791d385d7b
Enrichment generated: 2026-10-03T11:34:53.025030+00:00
Program: 7(a); Amount column: GrossApproval