Brightway Franchise Investment & Financials
Data extracted from Brightway Insurance, LLC's 2026 Franchise Disclosure Document, filed under FTC Rule 16 CFR 436.
Brightway franchise at a glance — core figures from the 2026 Franchise Disclosure Document:
- Investment (Item 7)
- $43K - $187K
- Franchise fee
- $25K
- Franchised units
- 351
- Item 19 earnings
- $655K median
- Disclosed litigation
- 3 cases
Opening a Brightway franchise requires a total investment of $43K - $187K (Item 7 of the 2026 FDD), including a $25K franchise fee. Franchisees disclosed a median unit revenue of $655K in Item 19.
Brightway Franchise Investment & Financial Overview
Initial Investment (Item 7)
Investment Range
$43K - $187K
Industry avg: $58K - $182K
Franchise Fee
$25K
Industry avg: $37K
Investment Percentile
37th
vs. 29 Financial Services franchises
Item 19 Financial Performance Representation
Brightway discloses financial performance in Item 19 of their 2026 FDD. The numbers below are extracted directly from the FDD — median is preferred over average because top performers skew the mean upward.
Median revenue
$655K
Per disclosed unit
Sample size
272 units
Reporting period
2025
Unit segment
franchised locations with at least one full calendar year of operations in 2025
Item 19 data is the franchisor's own disclosure — request the full FDD for percentile detail, year-over-year trend, and per-segment cuts. Always validate with 10-15 calls to existing franchisees listed in Item 20.
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How to Read Brightway Franchise Investment Data
The investment range disclosed in Item 7 of the Brightway franchise FDD covers everything required to open the unit — franchise fee, build-out, equipment, signage, opening inventory, training, and a working-capital reserve. The High end of the range is the realistic budget. Most financial services buyers see actual costs cluster within 5-15% of the High range once site-specific real estate and construction costs are factored in.
Item 7 does not include personal living expenses, debt service, or the cost of due diligence (attorney, accountant, validation calls). Plan for an additional 20-30% of the Item 7 High range to cover these gaps. Lenders evaluating an SBA loan for a Brightway franchise will look at the High range as the deal size, not the Low.
If Item 19 is disclosed, the franchisor has provided either gross sales averages, profit metrics, or both. Median figures are more reliable than averages — top performers can pull the mean upward by 30% or more. If Item 19 is blank, the franchisor declined to make financial performance representations. Absence of data is itself a signal — call 10-15 existing franchisees from Item 20 and ask directly.
Net worth and liquidity requirements published by Brightway are the franchisor's filter for new buyers, not necessarily what your SBA lender will accept. SBA underwriting overlays its own credit, debt-service-coverage, and post-closing liquidity requirements on top. The published numbers are a floor, not a ceiling — many approved Brightway franchise buyers carry significantly more capital than the listed minimums.
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Data shown is extracted from the 2026 Franchise Disclosure Document filed with state regulators. Fees, investment ranges, and other terms may have changed since this filing. Always request the current FDD directly from the franchisor before making any investment decisions. This information is not financial, legal, or investment advice. Full disclaimer.