Finder may earn compensation from partners, but editorial opinions are our own. Advertiser Disclosure
Einstein Bros. Bagels franchise financing options
Compare costs, fees and where to get financing for a Einstein Bros. Bagels.
Estimated initial costs
Our cost estimates are accurate as of 2021 from Franchise Direct and include opening fees and expenses only. The location you choose for your Einstein Bros. Bagels franchise may result in higher or lower fees.
Franchise feesEinstein Bros. Bagels franchise fees total around $35,000, which beats out the $37,000 average for the 200 largest franchises nationwide.
|Initial franchise fees||$35,000 to $35,000|
|Royalty||5% of gross sales under the Franchise Agreement; 6.5% of gross sales under the License Agreement (reduced to 4% of gross sales for airport locations).|
|Estimated total||$35,000 to $35,000|
Equipment feesEquipment fees total $288,000 for Einstein Bros. Bagels. This costs more than the $180,023 average for the top 200 franchises.
|Computer equipment and electronic||$26,000 to $54,000|
|Furniture, fixtures and equipment||$175,000 to $261,000|
|Signage and graphics||$10,000 to $50,000|
|Estimated total||$211,000 to $365,000|
Real estate feesReal estate will set you back $342,125 for Einstein Bros. Bagels, thought it's less than the average of $788,376 for the top 200 franchises.
|Construction costs||$210,000 to $310,000|
|Professional fees, including architectural or engineering fees, permit fees and impact fees||$30,000 to $35,000|
|Design review fee||$2,000 to $2,000|
|Real estate leasing||$25,000 to $56,250|
|Security deposits||$4,000 to $10,000|
|Estimated total||$271,000 to $413,250|
Training feesEinstein Bros. Bagels initial training costs total $7,500, which comes in under the nationwide average of $9,788.
|Training expenses||$1,000 to $14,000|
|Estimated total||$1,000 to $14,000|
Inventory costsInitial inventory for Einstein Bros. Bagels shakes out to $20,000. This is less than the nationwide average of $53,119.
|Opening inventory, smallware and supplies||$15,000 to $25,000|
|Estimated total||$15,000 to $25,000|
Marketing costsAdvertisement and marketing costs total up to $10,000 for Einstein Bros. Bagels, which is more than the nationwide average of $9,938.
|Initial marketing and promotion||$10,000 to $10,000|
|Grand opening marketing program||$10,000 under the Franchise Agreement.|
|Estimated total||$10,000 to $10,000|
Licenses and permits costsEinstein Bros. Bagels initial licenses and permits will set you back $2,750. This comes out to less than $18,770 — the overall nationwide average.
|Licenses and permits||Cost|
|Business licenses||$500 to $5,000|
|Estimated total||$500 to $5,000|
Insurance costsInitial insurance costs for Einstein Bros. Bagels run $11,250. This means you'll be paying more than the overall nationwide average of $6,311.
|Insurance||$7,500 to $15,000|
|Estimated total||$7,500 to $15,000|
Other expensesMiscellaneous expenses for Einstein Bros. Bagels total $33,450 — less than the nationwide average of $69,970.
|Miscellaneous opening costs||$1,300 to $3,600|
|Three months' additional funds||$12,000 to $50,000|
|Estimated total||$13,300 to $53,600|
How to financeSince the estimated total for Einstein Bros. Bagels is on the more costly side, we recommend following these steps to get fully financed:
- Go to the Einstein Bros. Bagels franchising website and review its financial requirements, including cash-on-hand requirements.
- Reach out to Einstein Bros. Bagels about in-house financing for franchisees.
- If in-house financing isn't available, look for online loans, bank loans and SBA loans to help meet the $750,075 estimated opening costs.
- Compare lenders based on amounts, interest rates and what types of personal and business credit history they accept.
- Once you settle on a lender, gather all required documents, including account statements and assets.
- Apply for financing online or in person as required by the lender.
What types of financing is available?You have several options when it comes to financing a Einstein Bros. Bagels — even if the cost is on the heavier side. What assets you have available will largely determine how much you need to borrow, and which option suits you best.
- Online loan. A number of online business lenders offer amounts up to $1 million, with some extending up to $5 million.
- Bank loan. Your personal credit will typically need to at least be good — 670 or higher — when it comes to getting a bank loan large enough to cover a significant portion of Einstein Bros. Bagels opening costs.
- SBA loan. While your personal credit score doesn't need to be as good to qualify for an SBA loan, they usually cost more than standard term loans from banks or online lenders.
Compare small business lendersYou may not need financing to cover the estimated $564,300. But if you need funds for other business ventures, select the loan amount, your time in business and revenue and your personal credit score to compare a selection of lenders.
We update our data regularly, but information can change between updates. Confirm details with the provider you're interested in before making a decision.
How Einstein Bros. Bagels stacks upCompare how Einstein Bros. Bagels holds up against two similarly sized franchises.
|Qdoba Mexican Grill||Einstein Bros. Bagels||Moe's Southwest Grill|
|Average Franchise fees||$30,000||$35,000||$30,000|
|Average Equipment fees||$306,000||$288,000||$208,100|
|Average Real estate fees||$355,000||$342,125||$17,250|
|Average Training fees||NA||$7,500||NA|
|Average Inventory fees||$7,500||$20,000||$7,000|
|Average Marketing fees||$15,000||$10,000||$42,500|
|Average Licenses and permits fees||$1,750||$2,750||$1,900|
|Average Insurance fees||$7,500||$11,250||$9,250|
|Average Admin fees||NA||NA||NA|
|Average Personnel fees||NA||NA||NA|
|Average Other fees||$97,500||$33,450||$55,000|
Bottom lineEinstein Bros. Bagels franchise costs run a total of $750,075. Before you decide to become a franchisee, compare the total costs against industry averages. And to learn more about financing read our guide to franchise financing.
More guides on Finder
Startup business lines of credit
A business line of credit is a useful tool. But as a startup, you may not qualify for the best interest rates with most lenders. Explore your options — and alternatives — for flexible funding as a new business.
How the Restaurant Revitalization Fund works
The Restaurant Revitalization Grant offers grants of up to $10 million to make up for revenue lost during COVID-19.
How to start a t-shirt business
Revel in the freedom of running your own business by selling tees online.
Auntie Anne’s Pretzels franchise financing options
Find out how much it costs to open a Auntie Anne’s Pretzels and what financing options are available to you.
NorthStar Moving franchise financing options
Find out how much it costs to open a NorthStar Moving and what financing options are available to you.
Sears Maid Services franchise financing options
Find out how much it costs to open a Sears Maid Services and what financing options are available to you.
Deck the Walls franchise financing options
Find out how much it costs to open a Deck the Walls and what financing options are available to you.
Zoom Drain franchise financing options
Find out how much it costs to open a Zoom Drain and what financing options are available to you.
Casa de Corazon franchise financing options
Find out how much it costs to open a Casa de Corazon and what financing options are available to you.
Sears Handyman Solutions franchise financing options
Find out how much it costs to open a Sears Handyman Solutions and what financing options are available to you.
Ask an Expert