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.
Franchise Costs
5% royalty + 3% marketing fund
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
Key Insights
- Lower than average SBA loan default rate in Fast Food
| Franchise | Investment | Fee | Royalty | Locations |
|---|---|---|---|---|
BIG APPLE BAGELS Current | $478K – $685K | $25K | 5.0% | 49 |
| 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 |
| ARBY'S | $645K – $2.5M | $38K | 4.0% | 2,316 |
Fast Food Average 126 franchises | $594K – $1.5M | $35K | 6.1% | – |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 126 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
SBA 7(a) loan activity over time
* Data sourced from SBA 7(a) FOIA loan records. Default rate calculated from charged-off loans.
Franchisee Contacts
49 franchisee contacts on file from official FDD filings.
| Name | SBA Loan |
|---|---|
John Smith ABC Franchise LLC | $350,000 2023 · Active |
John Smith ABC Franchise LLC | $350,000 2023 · Active |
John Smith ABC Franchise LLC | $350,000 2023 · Active |
John Smith ABC Franchise LLC | $350,000 2023 · Active |
John Smith ABC Franchise LLC | $350,000 2023 · Active |
49 Contacts Available
Unlock all BIG APPLE BAGELS franchisee contacts with verified contact information
Due Diligence
Litigation (Item 3)
Bankruptcy (Item 4)
System Health (Item 20)
Franchise system changes reported in the most recent fiscal year
Frequently Asked Questions
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.
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