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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.

Overall costs for Jack in the Box run anywhere from $1,040,500 to $1,853,600. See how the costs break down and what funding options might be right for your new venture into the franchise foray.

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 fees

Jack in the Box franchise fees total around $25,000, which beats out the $37,000 average for the 200 largest franchises nationwide.
Franchise Cost
Initial franchise fee $0 to $50,000
Estimated total $0 to $50,000

Equipment fees

Equipment fees total $491,000 for Jack in the Box. This costs more than the $180,023 average for the top 200 franchises.
Equipment Cost
Furniture, fixtures and equipment $408,000 to $469,000
IT equipment and installation $45,000 to $60,000
Equipment Varies.
Estimated total $453,000 to $529,000

Real estate fees

Real 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.
Real estate Cost
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 fees

Jack in the Box initial training costs total $52,500 — more than the nationwide average of $9,788.
Training Cost
Pre-opening training and inventory expenses $50,000 to $55,000
Estimated total $50,000 to $55,000

Inventory costs

Initial inventory for Jack in the Box shakes out to $16,000. This is less than the nationwide average of $53,119.
Inventory Cost
Initial inventory $12,000 to $20,000
Estimated total $12,000 to $20,000

Licenses and permits costs

Jack 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 costs

Uniforms, 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.
Personnel Cost
Uniforms $1,500 to $3,000
Estimated total $1,500 to $3,000

Other expenses

Miscellaneous expenses for Jack in the Box total $329,550 — more than the nationwide average of $69,970.
Other Cost
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
All costs were found using the 200 largest franchises nationwide using Franchise Direct's list of more than 300 franchises, and are accurate as of 2021.

How to finance

Since the estimated total for Jack in the Box is on the more costly side, we recommend following these steps to get fully financed:
  1. Go to the Jack in the Box franchising website and review its financial requirements, including cash-on-hand requirements.
  2. Reach out to Jack in the Box about in-house financing for franchisees.
  3. 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.
  4. Compare lenders based on amounts, interest rates and what types of personal and business credit history they accept.
  5. Once you settle on a lender, gather all required documents, including account statements and assets.
  6. 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.
Also check if Jack in the Box franchise financing is available. You may be able to get some of the costs covered for less than you would with other traditional funding options.

Compare small business lenders

You 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.
Name Product Filter Values Min. Amount Max. Amount Requirements
OnDeck small business loans
$5,000
$250,000
600+ personal credit score, 1 year in business, $100,000+ annual revenue
A leading online business lender offering flexible financing at competitive fixed rates.
Fora Financial business loans
$5,000
$500,000
6+ months in business, $12,000+ monthly revenue, no open bankruptcies
Get qualified for funding in minutes for up to $500,000 without affecting your credit score. Great for SBA loan applicants.
Lendio business loans
$500
$5,000,000
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.
ROK Financial business loans
$10,000
$5,000,000
Eligibility criteria 3+ months in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
A connection service for all types of businesses — even startups.
LendingClub personal loans for business
$1,000
$40,000
US citizen or permanent resident, verifiable bank account, steady source of income, ages 18+.
Get prequalified for a personal loan up to $40,000 to help you grow your business. Great for new business owners with at least fair credit.
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How Jack in the Box stacks up

Compare 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 line

Jack 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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