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The Peach Cobbler Factory
The Peach Cobbler Factory franchise offers retail dessert specialty restaurants featuring cobblers, ice creams, shakes, cinnamon rolls, banana puddings, sweet peach tea, and similar authorized items, with options for brick-and-mortar locations (800-1,500 sq ft) and supplementary mobile units. The business model involves granting franchises to operate under a standardized system including proprietary recipes, designs, training, and marketing programs, while competing in a highly competitive dessert and savory snack market against national chains and local businesses. Target customers are dessert enthusiasts seeking quality products through factors like price, service, location, and variety.
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Franchise Costs
6% royalty + 2% national marketing fund + $129/mo PCF App fee
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
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Unlock financial performance dataThe Peach Cobbler Factory Franchise Analysis
In the cutthroat dessert world where chains like Dairy Queen loom large, The Peach Cobbler Factory has quietly built momentum since 2021 with cobbler-focused spots and mobile options. The 2025 FDD uncovers aggressive expansion signals and a track record of SBA-backed financing that hints at real investor buy-in. Yet in a system this young, does the growth story hold up under scrutiny—or is it too soon to bet big?
Item 7 lays out the initial investment from $158,444 to $460,774, covering 800-1,500 sq ft brick-and-mortar builds or mobile supplements, plus training and proprietary recipes. Upfront franchise fee hits $34,950, followed by 6% royalties, 2% ad fund, and a $129/month app fee. No Item 19 means no disclosed revenues or profits, forcing buyers to dig into alternatives like the 29 SBA loans averaging $199,193, suggesting lenders see viability despite the competitive snack market.
From 65 to 86 locations in a year (+32% growth), with 29 projected new units and just 2 transfers, the system shows solid traction out of Fort Lauderdale HQ. One corporate spot anchors it, but the lack of Item 19 earnings data amplifies risks in a variety-driven dessert niche. If you're eyeing passive income from shakes and sweet tea, these financing trends and expansion pace signal potential, but validate with local market fits before committing.
Analysis based on the 2025 Franchise Disclosure Document. All figures should be independently verified before making investment decisions.
How The Peach Cobbler Factory Compares
Key Insights
- Lower investment than 79% of Desserts & Ice Cream franchises
- Higher than average SBA loan default rate in Desserts & Ice Cream
| Franchise | Investment | Fee | Royalty | Locations |
|---|---|---|---|---|
The Peach Cobbler Factory Current | $158K – $461K | $35K | 6.0% | 86 |
| RITA'S FRANCHISE COMPANY, LLC; RITA'S ICE-CUSTARD-HAPPINESS | $315K – $713K | $35K | 6.5% | 569 |
| MENCHIE'S | $180K – $515K | $54K | 6.0% | 295 |
| DIPPIN' DOTS | $139K – $399K | $35K | 6.0% | 260 |
| MARBLE SLAB CREAMERY | $355K – $477K | $25K | 6.0% | 249 |
| BRUSTER'S | $415K – $1.1M | $40K | 5.0% | 219 |
Desserts & Ice Cream Average 28 franchises | $326K – $656K | $37K | 7.0% | – |
* Comparison based on latest FDD filings. Investment ranges from Item 7, fees from Item 5. Showing top 5 of 28 Desserts & Ice Cream 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
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Unlock location growth dataSBA Loan History
Historical SBA 7(a) loan data for The Peach Cobbler Factory franchisees (2023 – 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.
29 SBA loans on record
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Unlock SBA loan historyFranchisee Contacts
133 franchisee contacts on file from official FDD filings.
133 Contacts Available
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Unlock contactsDue Diligence
Litigation (Item 3)
Bankruptcy (Item 4)
System Health (Item 20)
Franchise system changes reported in the most recent fiscal year
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Unlock due diligence reportsFrequently Asked Questions
The total initial investment to open a The Peach Cobbler Factory franchise ranges from $158,444 to $460,774. This includes a franchise fee of $34,950. Ongoing royalty fees are 6.0% of gross sales.