FDD Analysis
Every FDD read end to end and turned into a cited brand profile before the first unit is underwritten.
Why it matters
An FDD runs to hundreds of pages; analysts skim Item 19 and miss closures in Item 20 or a weak franchisor balance sheet in Item 21.
How the solution handles it
Agents read all 23 Items, trend three years of outlet openings, closures and transfers from Item 20, test Item 19 results against the Item 7 investment, review the audited franchisor statements and Item 3 litigation, and write a cited brand profile. A credit officer approves the brand view.
How an FDD moves
Six specialist agents read all 23 Items, trend outlets, test Item 19 against Item 7, and check the franchisor; a credit officer approves the brand view.
What it reads, and what it hands back.
What goes in
- Franchise Disclosure Document (FDD)
- Item 21 audited financial statements
- SBA Franchise Directory listing
- State registration filings
- Franchise agreement exhibit
What comes out
- Cited brand credit profile
- Item 20 openings, closures, transfers trend
- Item 19 vs Item 7 payback check
- Franchisor financial health note
Who uses it
The difference, in numbers.
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
each fact cited to its page
Rules: FTC Franchise Rule, 16 CFR 436.5 (Item 20: three fiscal years of outlet data; Item 21: audited statements) · SBA Franchise Directory (SOP 50 10 8) · “Target” = design goal, measured in the live solution
6 specialist agents. One person decides.
More in this division.
Every new unit modelled from the brand’s own disclosed numbers, with royalty, ramp-up and stress built in.
Franchise AgreementEvery franchise agreement abstracted and checked against the loan, so none ends before the loan does.
Site Lease ReviewEvery site lease checked against the loan term, renewal options and landlord waiver before build-out money moves.
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