Is ROCKY MOUNTAIN CHOCOLATE FACTORY a good franchise to buy?

ROCKY MOUNTAIN CHOCOLATE FACTORY 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.

ROCKY MOUNTAIN CHOCOLATE FACTORY

FDD Year:

Rocky Mountain Chocolate Factory franchises operate branded retail stores and kiosks selling premium chocolates, confections, caramel apples made in-store, and related gift items purchased from the franchisor's Durango production facility or prepared on-site using proprietary recipes. The business model involves licensing the Rocky Mountain Chocolate Factory marks and methods for high foot traffic locations like malls, tourist areas, airports, and casinos. They target impulse buyers, tourists, and holiday gift shoppers seeking fresh, handmade-quality premium sweets.

Since 1982

Franchising

OtherDurango, CORocky Mountain Chocolate Factory, Inc. (Delaware corporation)www.rmcf.comDisclaimer

Franchise Costs

Franchise Fee

N/A

Item 5 of FDD

Initial Investment Range

N/A

Item 7 of FDD

Royalty Rate

N/A

Brand Fund

N/A

Item 6 of FDD

How ROCKY MOUNTAIN CHOCOLATE FACTORY Compares

Key Insights

Higher investment than 97% of Business Services franchises
Lower than average SBA loan default rate in Business Services

Franchise	Investment	Fee	Royalty	Locations
ROCKY MOUNTAIN CHOCOLATE FACTORY Current	N/A	N/A	N/A	N/A
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 188 franchises	$118K – $284K	$46K	10.4%	–

* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 188 Business Services franchises by location count.

SBA Loan History

Historical SBA 7(a) loan data for ROCKY MOUNTAIN CHOCOLATE FACTORY franchisees (2010 – 2024)

Total Loans

Average Loan

$260,987

Total Volume

$10.2M

Default Rate

7.7%

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.

Due Diligence

Litigation (Item 3)

Franchisee CasesN/A

Bankruptcy (Item 4)

Bankruptcy HistoryN/A

System Health (Item 20)

Franchise system changes reported in the most recent fiscal year

Terminations

N/A

Non-Renewals

N/A

Reacquired

N/A

Ceased Ops

N/A

Transfers

N/A

Sold to Franchisees

N/A

Projected New

N/A

Frequently Asked Questions

Yes, SBA loans are available for ROCKY MOUNTAIN CHOCOLATE FACTORY franchises. Historical data shows 39 SBA 7(a) loans have been approved for ROCKY MOUNTAIN CHOCOLATE FACTORY franchisees, with an average loan amount of $260,987. The historical default rate is 7.7%.