Quick Verdict · who it fits
Brightway fits first-time franchise buyers looking for a mid-scale financial services concept.
The numbers a buyer needs first — straight from the filing.
Initial investment (Item 7)
$43K - $187K
Franchise fee (Item 5)
$25K
Item 19 median rev
$655k franchised locations with at least one full calendar year of…
System size (Item 20)
351 +81
Agreement term
5 yrs
Years in business
9+ yrs
Company-owned units
3
Item 3 litigation
3 suits
Model Brightway's costs in the investment calculator → Prefilled from this filing — startup cost, cash flow and break-even.
Buyer qualifications
✓Financing available•No exclusive territory•Owner-operator required✓No bankruptcy disclosed•3 Item 3 cases
Data extracted from the 2026 FDD filed with state regulators. Fees and terms may have changed since filing — request the current FDD from the franchisor before deciding. Not legal, financial, or investment advice. Full disclaimer.
Free AI summary — the first read on the filing.
340
Total units open
67
Units opened last year
48
Units closed last year
+3
Net unit growth
What our analysis flagged across the 2026 filing.
5
Risks to review
4
Strengths identified
5
Questions to ask
How Brightway ranks against 29 Financial Services peers we've analyzed.
Initial investment
37th pct · of 29 peers
Franchise fee
20th pct · of 29 peers
System size
79th pct · of 29 peers
Financial Services industry averages
Avg investment
$58K - $182K
Avg franchise fee
$37K
Avg system size
450
Franchises analyzed
29
Closest concepts by category and investment.
| Brand | Item 19 | Fee | Investment | Royalty | Units |
|---|---|---|---|---|---|
| Brightway | Disclosed | $25K | $43K - $187K | — | 351 |
| ParamountSimilar price | Disclosed | $40K | $74K - $166K | 10% | 91 |
| Ameriprise Financial ServicesBiggest system | Disclosed | $2K | $10K - $138K | 72–91% | 3,738 |
| We InsureTop-rated in category | Disclosed | $40K | $60K - $138K | 25–45% | 132 |
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Free explainers to go deeper before you sign.
Brand Analysis
The 2025 FDD prices the initial franchise fee at $2,500, one of the lowest in our library, then sets the royalty at 30% to 60% of revenue. The franchised side of the system has shrunk by 574 offices in three years while the franchisor projects zero new ones.
Investment Guide
A franchise net worth requirement and a liquid capital requirement measure two very different things — and most rejected applicants fail the one they never checked. Here's how the math works at every investment tier.
Financial Analysis
Item 19 hands you an average revenue number and stops there. Here's the step-by-step way to haircut that top-line, layer in COGS, labor, occupancy, the fee stack, and debt service, and land on the profit you'd actually take home.
Brightway requires a $25,000 initial franchise fee and a total initial investment range of $43,425–$186,900, per the most recent FDD on file.
Brightway is franchised by Brightway Insurance, LLC, the franchisor entity of record on its Franchise Disclosure Document. Item 1 of the FDD discloses the franchisor's corporate history, parents, and predecessors.
Yes. Brightway discloses Item 19 financial performance representations with reported revenue around $655,298. See the financials sub-page for the full distribution.
Franchisees pay an advertising fund contribution of 3% on gross sales as defined in Item 6 of the FDD.
As of their 2026 FDD, Brightway has 351 total locations, with 81 new locations opened in the most recent reporting year. This information comes from Item 20 of the FDD.
No. Brightway does not grant exclusive territory rights under Item 12. The franchisor retains the right to operate or grant additional units inside or adjacent to your trade area.
Per the FDD, Brightway discloses an initial agreement term of 5 years. Review Items 10 and 17 for the full renewal and termination provisions.
This page is part of VetMyFranchise. View all pages: llms.txt · llms-full.txt