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Jack in the Box franchise financing options
Compare costs, fees and where to get financing for a Jack in the Box.
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 Jack in the Box franchise may result in higher or lower fees.
Franchise feesJack in the Box franchise fees total around $25,000, which beats out the $37,000 average for the 200 largest franchises nationwide.
|Initial franchise fee||$0 to $50,000|
|Estimated total||$0 to $50,000|
Equipment feesEquipment fees total $491,000 for Jack in the Box. This costs more than the $180,023 average for the top 200 franchises.
|Furniture, fixtures and equipment||$408,000 to $469,000|
|IT equipment and installation||$45,000 to $60,000|
|Estimated total||$453,000 to $529,000|
Real estate feesReal estate will set you back $528,000 for Jack in the Box, thought it's less than the average of $788,376 for the top 200 franchises.
|Free for trade area survey analysis, plus expenses||$4,500 to $7,000|
|Land||Not Included to|
|Fee for architect and engineering services||$49,000 to $166,000|
|Environmental assessment||$2,500 to $34,000|
|On-site improvements||$286,000 to $507,000|
|Rent||Minimum and percentage rent, if the franchisee rents a restaurant location from the franchisor (as negotiated). Additional rent if the franchisee chooses to have the franchisor build the restaurant.|
|Estimated total||$342,000 to $714,000|
Training feesJack in the Box initial training costs total $52,500 — more than the nationwide average of $9,788.
|Pre-opening training and inventory expenses||$50,000 to $55,000|
|Estimated total||$50,000 to $55,000|
Inventory costsInitial inventory for Jack in the Box shakes out to $16,000. This is less than the nationwide average of $53,119.
|Initial inventory||$12,000 to $20,000|
|Estimated total||$12,000 to $20,000|
Licenses and permits costsJack in the Box 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|
|Computer-related services and licensing||$1,000 to $1,000|
|Business licenses and utility deposits||$500 to $3,000|
|Estimated total||$1,500 to $4,000|
Personnel costsUniforms, name tags and the like make up personnel costs, and for Jack in the Box it will run you $2,250. The nationwide average cost of personnel fees comes in at $22,818, which means you'll be paying less to outfit your employees.
|Uniforms||$1,500 to $3,000|
|Estimated total||$1,500 to $3,000|
Other expensesMiscellaneous expenses for Jack in the Box total $329,550 — more than the nationwide average of $69,970.
|Pre-opening additional funds||$14,000 to $17,000|
|Operating cash||$1,200 to $3,000|
|Three months' additional funds||$165,300 to $458,600|
|Estimated total||$180,500 to $478,600|
How to financeSince the estimated total for Jack in the Box is on the more costly side, we recommend following these steps to get fully financed:
- Go to the Jack in the Box franchising website and review its financial requirements, including cash-on-hand requirements.
- Reach out to Jack in the Box 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 $1,447,050 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 Jack in the Box — 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 Jack in the Box 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 $1,040,500. 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 Jack in the Box stacks upCompare how Jack in the Box holds up against two similarly sized franchises.
|Chick-fil-A||Jack in the Box||5u00e0Sec|
|Average Franchise fees||NA||$25,000||NA|
|Average Equipment fees||NA||$491,000||NA|
|Average Real estate fees||NA||$528,000||NA|
|Average Training fees||NA||$52,500||NA|
|Average Inventory fees||NA||$16,000||NA|
|Average Marketing fees||NA||NA||NA|
|Average Licenses and permits fees||NA||$2,750||NA|
|Average Insurance fees||NA||NA||NA|
|Average Admin fees||NA||NA||NA|
|Average Personnel fees||NA||$2,250||NA|
|Average Other fees||NA||$329,550||NA|
Bottom lineJack in the Box franchise costs run a total of $1,447,050. 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.
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