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Item 20 Risk Scorecard
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Interactive Pro-Forma Tools

Franchise Valuation & Financial Calculators

Before signing an agreement or taking out an SBA 7(a) loan, test your unit economics against real Item 19 cost structures, debt service, and franchisor fee drag.

📊 Valuation Tool

Franchise Cash-on-Cash ROI & Payback Calculator

Model your true cash-on-cash annual return, EBITDA margins, and payback horizon after accounting for food/inventory costs, labor payroll, store lease, and franchisor cuts.

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🏦 Financing

SBA 7(a) Franchise Loan & DSCR Calculator

Calculate 10-year monthly debt service, equity down payment requirements, and SBA Debt Service Coverage Ratio (DSCR) to assess bank approval odds.

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📉 Forensic Audit

10-Year Royalty Drag & Fee Compounding Calculator

Quantify the true 10-year wealth outflow of ongoing 5%–10% royalties + brand ad funds compared to reinvesting in independent equity.

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🎯 Operations

Daily Break-Even Volume & Ticket Size Calculator

Determine exactly how many customer orders and what average ticket size your store must generate every single day to cover fixed rent and staff overhead.

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Free Instant Download

Get All 50 Flagship Franchises in One Forensic Spreadsheet

AUV gross sales, true take-home earnings, Item 20 3-year closure rates, royalty fees, and our proprietary BUY/AVOID signals — the full normalized master dataset in Excel.

50 top brands normalized across 25 financial metrics
FDD Item 19 & 20 verified numbers from 2025/2026 filings
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Independent Visual Intelligence Terminal for Franchise Economics & Item 19 Disclosures.

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Disclaimer: FranchisePixel is an independent financial research publication and is not a franchise broker, sales agent, or registered investment advisor. Content and pro-forma models are derived directly from public state Franchise Disclosure Documents (FDDs) and FOIA SBA records for educational and investigative purposes only. Consult a certified franchise attorney and CPA before signing any Franchise Agreement.

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