BIG APPLE BAGELS
BAB Systems, Inc. offers franchises for Big Apple Bagels stores, where franchisees own and operate bagel shops selling fresh bagels, cream cheese spreads, My Favorite Muffin branded muffins, Brewster’s coffee, breakfast and lunch sandwiches, and soft drinks through retail, wholesale, and catering channels. The business model centers on production stores for baking and satellite stores supplied by them, with franchise fees, royalties, and required purchases from approved suppliers. It targets retail consumers in the competitive bagel, bakery cafe, and coffee market.
Disclaimer: This information was extracted using AI from public Franchise Disclosure Documents and should be independently verified. This is not financial or legal advice. Always review official FDD filings before making investment decisions.
Overview
Financial Requirements
5% royalty + 3% marketing fund
Franchise Stats
Financial Performance
Item 19 Financial Performance
Data Based On: 48 fully-reporting franchised BAGELS Stores operated for the entire 2023 and 2024 Fiscal Years
* Financial performance data for 2024 was extracted from the 'Gross Revenues of BAGELS Franchised Stores By Quartile for 2023 and 2024 Fiscal Years' table. The average gross revenue was calculated as a weighted average across all four quartiles for 2024: (12 units × $896,791 + 12 units × $681,438 + 12 units × $513,823 + 12 units × $368,240) / 48 total units = $615,073.0. The revenue for the top quartile is the average gross revenue of the 1st Quartile ($896,791), and for the bottom quartile, it's the average gross revenue of the 4th Quartile ($368,240). The overall median gross revenue is set to null as the document only provides median gross revenues for each quartile, and an overall median cannot be reliably calculated from this segmented data without further assumptions. The document explicitly states that it has not provided information regarding costs and expenses, and therefore no net income, net profit, EBITDA, or estimated profit ranges could be determined.
Extracted Item 19 Section
How BIG APPLE BAGELS Compares to Other Fast Food Franchises
Key Insights
- Lower than average SBA loan default rate in Fast Food
| Franchise | Investment Range | Franchise Fee | Royalty | Locations |
|---|---|---|---|---|
BIG APPLE BAGELS Current | $478K - $685K | $25K | 5.0% | 49 |
| Burger King | $2.1M - $4.7M | $50K | 4.5% | 19,732 |
| MCDONALD'S | $1.5M - $2.6M | $45K | N/A | 12,772 |
| AFC | $45K - $151K | $6K | 9.5% | 3,572 |
| SONIC DRIVE-IN | $1.7M - $3.1M | $15K | 5.0% | 3,441 |
| JIMMY JOHN'S | $366K - $728K | $35K | 6.0% | 2,647 |
Fast Food Average 127 franchises | $605K - $1.5M | $35K | 6.1% | - |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 127 Fast Food franchises by location count.
Locations & Growth
Outlet Growth Over Time
Total outlets at end of each year
Geographic Distribution (2024)
Outlets by state across the United States
SBA Loan History
Historical SBA 7(a) loan data for BIG APPLE BAGELS franchisees (2010 - 2025)
Loans by Year
* Data sourced from SBA 7(a) FOIA loan records. Default rate calculated from charged-off loans.
Franchisee Contacts
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Due Diligence
Litigation (Item 3)
No litigation involving franchisees reported in the FDD.
Bankruptcy (Item 4)
No bankruptcy history reported in the FDD.
System Health (Item 20)
Franchise system changes reported in the most recent fiscal year
Frequently Asked Questions
How much does it cost to open a BIG APPLE BAGELS franchise?
The total initial investment to open a BIG APPLE BAGELS franchise ranges from $478,000 to $685,000. This includes a franchise fee of $25,000. Ongoing royalty fees are 5.0% of gross sales.
How much revenue does a BIG APPLE BAGELS franchise make?
According to the 2025 FDD, the average gross revenue for a BIG APPLE BAGELS franchise is $615,073.
How many BIG APPLE BAGELS franchise locations are there?
As of the 2025 FDD, BIG APPLE BAGELS has 49 franchise locations. The company has been franchising since 1993.
Can you get an SBA loan for a BIG APPLE BAGELS franchise?
Yes, SBA loans are available for BIG APPLE BAGELS franchises. Historical data shows 10 SBA 7(a) loans have been approved for BIG APPLE BAGELS franchisees, with an average loan amount of $98,400. The historical default rate is 20.0%.
Is BIG APPLE BAGELS a good franchise to buy?
BIG APPLE BAGELS shows several positive indicators: transparent financial performance data (Item 19). However, franchise success depends on many factors including location, local market conditions, and owner involvement. We recommend speaking with existing franchisees and consulting with a franchise attorney before making a decision.
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