How many CHARLES SCHWAB franchise locations are there?

As of the 2026 FDD, CHARLES SCHWAB has 95 franchise locations. The company has been franchising since 2011.

Can you get an SBA loan for a CHARLES SCHWAB franchise?

Yes, SBA loans are available for CHARLES SCHWAB franchises. Historical data shows 2 SBA 7(a) loans have been approved for CHARLES SCHWAB franchisees, with an average loan amount of $385,000. The historical default rate is 0.0%.

Is CHARLES SCHWAB a good franchise to buy?

CHARLES SCHWAB shows several positive indicators: low SBA loan default rate. 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.

CHARLES SCHWAB

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FDD Year:

The Charles Schwab Independent Branch franchise enables Independent Branch Leaders (IBLs) to operate a retail branch office under the Charles Schwab brand, offering non-discretionary investment advice and access to approved financial products and services such as mutual funds, ETFs, brokerage, annuities, insurance, and cash management to retail clients. Franchisees receive a monthly Net Payout calculated from revenue shares on client assets and transactions, adjusted by multipliers based on client type (e.g., new-to-firm, seeded, transitioned) and branch tenure, targeting individual investors seeking personalized financial guidance. The business model is turnkey, with Schwab handling site setup, technology, supervision, and national marketing support.

Locations

$104K–$222K

Investment

Since 2011

Franchising

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FDD Year:

ServicesWestlake, TXThe Charles Schwab Corporationwww.schwab.comDisclaimer

Franchise Costs

Franchise Fee

$50,000

Item 5 of FDD

Initial Investment Range

$103,605 – $221,705

Low: $103,605High: $221,705

Item 7 of FDD

Royalty Rate

N/A

Brand Fund

N/A

Item 6 of FDD

Fixed Monthly Fees

$8,685 – $33,115

Item 6 of FDD

No royalty or brand fund (revenue shared via Net Payout model). Key ongoing fixed monthly fees: $250 assoc + $2,000-$11,000 sublease rent + $5,400-$18,800 facilities + $860-$2,460 hardware/connectivity + $175-$355 insurance per rep.

Financial Performance

Item 19 Financial Performance

This franchise did not provide Item 19 financial performance data.

Be careful if you are interested in investing. The lack of financial performance representations may indicate limited data or varying results across franchises.

Extracted Item 19 Section

How CHARLES SCHWAB Compares

Key Insights

Higher than average SBA loan default rate in Business Services

Franchise	Investment	Fee	Royalty	Locations
CHARLES SCHWAB Current	$104K – $222K	$50K	N/A	95
Bimbo Foods Bakeries Distribution, LLC	$14K – $607K	N/A	N/A	6,454
THE UPS STORE (TRADITIONAL)	$216K – $609K	$30K	5.0%	4,500
JACKSON HEWITT TAX SERVICE	$71K – $105K	$25K	15.0%	2,744
CRUISE PLANNERS	$2K – $21K	$11K	3.0%	2,655
SERVPRO (UNIT)	$259K – $380K	$100K	10.0%	2,286
Business Services Average 189 franchises	$121K – $291K	$46K	10.4%	–

* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 189 Business Services franchises by location count.

SBA Loan History

Historical SBA 7(a) loan data for CHARLES SCHWAB franchisees (2014 – 2016)

Total Loans

Average Loan

$385,000

Total Volume

$0.8M

Default Rate

0.0%

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

13 franchisee contacts on file from official FDD filings.

Name	Address	Phone	Email	SBA Loan
John Smith ABC Franchise LLC	123 Main St Anytown, CA 90210	(555) 123-4567	john@example.com	$350,000 2023 · Active
John Smith ABC Franchise LLC	123 Main St Anytown, CA 90210	(555) 123-4567	john@example.com	$350,000 2023 · Active
John Smith ABC Franchise LLC	123 Main St Anytown, CA 90210	(555) 123-4567	john@example.com	$350,000 2023 · Active
John Smith ABC Franchise LLC	123 Main St Anytown, CA 90210	(555) 123-4567	john@example.com	$350,000 2023 · Active
John Smith ABC Franchise LLC	123 Main St Anytown, CA 90210	(555) 123-4567	john@example.com	$350,000 2023 · Active

13 Contacts Available

Unlock all CHARLES SCHWAB franchisee contacts with verified contact information

Due Diligence

Litigation (Item 3)

Franchisee Cases2

Disputes with former franchisees involving non-renewal and termination of Franchise Agreements, including claims of breach of contract, fraudulent inducement, and unjust enrichment.