THE HUMAN BEAN

Franchising since 2002, The Human Bean has methodically scaled from 146 locations in 2023 to 165 in 2024—a solid 13% growth, backed by projections for 10 new units and just 3 system transfers signaling stability over distress sales. Item 7 in the 2025 FDD pegs initial investment at $572,090-$1,298,903, covering buildout for espresso-focused drive-thrus, with a $35,000 franchise fee and ongoing royalties (typically 5-6% per FDD norms, though specifics vary). Item 19 disclosure is a green flag, revealing average revenues that top many coffee peers, though profitability hinges on high-traffic sites—top performers reportedly clear six figures in cash flow after expenses.

SBA data underscores viability with 56 loans averaging $446,788 and a low 8.9% default rate, far below industry averages that often exceed 15%, indicating franchisees secure financing and sustain operations. Yet the reliance on affiliates for the 12 corporate stores and single-unit/area development options demands operational discipline amid rising coffee costs. For drive-thru investors eyeing $1M+ commitments, this system's consistent growth and disclosed financials position it as a calculated bet in a saturated market, outperforming stagnant chains but trailing explosive outliers—ideal if you prioritize proven expansion over viral buzz.