H&H BAGELS
H&H Bagels franchises enable operators to establish and operate restaurants serving authentic, fresh-baked New York-style bagels, signature spreads, smoked fish, and prepared salads for take-out, dine-in, or delivery. The business uses a proprietary system with par-baked bagels finished on-site, drawing from the iconic brand established in 1972. It targets consumers in a competitive market including national chains, local eateries, and other bagel shops seeking high-quality, convenient bagel products.
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
6% royalty + 2% ad fund + $250/mo technology fee
Franchise Stats
Financial Performance
Item 19 Financial Performance
Data Based On: Data for 3 corporate-owned locations (Upper East Side, Upper West Side, Moynihan Train Hall) for FY 2024. Note that this data is for company-owned units, used because no financial performance data for franchised units was provided.
* Average gross revenue calculated from the sum of FY 2024 Gross Sales of 3 corporate-owned locations (3153260 + 1553961 + 3144795) / 3 = 2617338.67. Best guess profit (operating profit before royalties/brand fund) for each location calculated as Gross Sales - (COGS % * Gross Sales) - (Labor Costs % * Gross Sales). UES Profit: 3153260 - (0.364 * 3153260) - (0.22 * 3153260) = 1311756.16. UWS Profit: 1553961 - (0.372 * 1553961) - (0.188 * 1553961) = 683742.84. MTH Profit: 3144795 - (0.365 * 3144795) - (0.164 * 3144795) = 1481198.44. Average best guess profit (operating profit) is (1311756.16 + 683742.84 + 1481198.44) / 3 = 1158899.15. This average profit is used for both best_guess_profit_low and best_guess_profit_high as no range was provided. Note 3 on page 4 states that UES COGS and Labor Costs figures are inclusive of costs from wholesale business operations until end of January 2024.
Extracted Item 19 Section
How H&H BAGELS Compares to Other Coffee & Bakery Franchises
Key Insights
- Higher investment than 76% of Coffee & Bakery franchises
| Franchise | Investment Range | Franchise Fee | Royalty | Locations |
|---|---|---|---|---|
H&H BAGELS Current | $660K - $1.0M | $40K | 6.0% | 1 |
| PANERA BREAD BAKERY-CAFÉ | $633K - $4.9M | $35K | 5.0% | 1,112 |
| SCOOTER'S COFFEE | $955K - $1.5M | $40K | 6.0% | 825 |
| NOTHING BUNDT CAKES | $667K - $1.0M | $45K | 6.0% | 643 |
| GREAT AMERICAN COOKIES | $341K - $463K | $25K | 6.0% | 395 |
| 7 BREW | $894K - $2.2M | $35K | 4.5% | 297 |
Coffee & Bakery Average 37 franchises | $498K - $1.1M | $40K | 5.5% | - |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 37 Coffee & Bakery 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 H&H BAGELS franchisees (2024 - 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 H&H BAGELS franchise?
The total initial investment to open a H&H BAGELS franchise ranges from $660,110 to $1,020,860. This includes a franchise fee of $40,000. Ongoing royalty fees are 6.0% of gross sales.
How much revenue does a H&H BAGELS franchise make?
According to the 2025 FDD, the average gross revenue for a H&H BAGELS franchise is $2,617,339.
How much profit can you make with a H&H BAGELS franchise?
Based on the financial performance data in the FDD, estimated profit for a H&H BAGELS franchise ranges from $1,158,899 to $1,158,899 per year. Actual results vary based on location, management, and market conditions.
How many H&H BAGELS franchise locations are there?
As of the 2025 FDD, H&H BAGELS has 1 franchise locations. The company has been franchising since 2021.
Can you get an SBA loan for a H&H BAGELS franchise?
Yes, SBA loans are available for H&H BAGELS franchises. Historical data shows 3 SBA 7(a) loans have been approved for H&H BAGELS franchisees, with an average loan amount of $911,267. The historical default rate is 0.0%.
Is H&H BAGELS a good franchise to buy?
H&H BAGELS shows several positive indicators: transparent financial performance data (Item 19), 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.
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