How to Finance a Fixxology Franchise: Custom Soda Shop Costs
By Anthony Cornella
A Fixxology franchise loan finances a custom drink shop: a small space or drive-through built around soda fountains, ice machines, flavor syrups and a treat menu. Unlike a full restaurant, there is no hood-and-fryer kitchen, but build-out, beverage equipment and early working capital still add up.
Below we explain what Fixxology is, which costs to confirm in the disclosure document, how its SBA Franchise Directory listing works and which loan structures tend to fit a soda shop.
US Professional Funding is not affiliated with, sponsored by or endorsed by Fixxology; the name is used only to describe the business. Figures in the franchisor’s disclosure document can change, loan programs and terms vary by lender and borrower, and every loan is subject to lender review and approval. Nothing here is legal, tax or investment advice, and buyers should review the current disclosure document and franchise agreement with a qualified franchise attorney and accountant.
Fixxology Franchise Loan at a Glance
- Concept: a custom soda shop serving build-your-own sodas, energy and refresher drinks, plus snacks and treats such as popcorn, pretzels, cookies and ice cream.
- Roots: the brand began in Idaho and Utah and has since added franchised shops in other states.
- Formats: shops may include a drive-through window, indoor seating or both.
- Fees and investment: confirm the franchise fee, royalty, marketing fund and Item 7 investment range in the current disclosure document; we could not verify them from the franchisor’s own materials.
- SBA Franchise Directory: listed under code S6975, with a note about the Lease Agreement Rider and Collateral Assignment of Lease when real estate secures the loan.
What Is Fixxology?
Fixxology is a drink-focused franchise in the custom soda category. Customers choose a soda, water or energy drink base and add flavor syrups, creams and fruit, or pick from a menu of named signature drinks. Shops also sell snacks and frozen treats, and local coverage of franchised shops describes menus that include hot dogs and Italian ice.
The brand was co-founded by Becca Madsen, who also owns and runs shops herself, and franchise owners are encouraged to be active in their communities. Owners follow brand standards but have some room to personalize the look of their shop.
Why lenders view soda shops the way they do. Ticket sizes are small, so revenue depends on traffic, speed of service and repeat visits. Lenders focus on site visibility, drive-through access, labor scheduling and the owner’s reserves, because a young brand has limited system history to lean on.
Fixxology Franchise Costs
We could not verify current fee or investment figures from the franchisor’s own materials, so request the current Franchise Disclosure Document and read Items 5, 6 and 7 before you apply.
Initial franchise fee. Item 5 states the fee, when it is due and whether multi-unit discounts apply.
Build-out. Expect plumbing for fountains and sinks, electrical for coolers and ice machines, counters, finishes and, where applicable, a drive-through window and lane work. Converting a former coffee or food space can lower costs. Read our article on restaurant build-out financing.
Equipment. Soda fountains and dispensers, ice machines and storage, refrigeration, blenders, freezers for ice cream, popcorn and pretzel equipment, point-of-sale systems and drive-through communication gear.
Signage, opening inventory and marketing. Exterior signs, cups and lids, syrups, snacks and a grand opening campaign.
Additional funds. Item 7 ends with working capital for an initial period to cover payroll, rent and supplies while sales build.
List each Item 7 line item with its range and confirm the categories add up to the stated total, since lenders compare your sources and uses with that table.
Ongoing Fees and How They Affect Your Loan
Royalty and marketing. Item 6 lists the royalty, any brand fund contribution, local advertising requirements and technology fees. Check whether fees are a percentage of sales or flat amounts.
Cost of goods and labor. Drinks carry relatively low ingredient costs, but cups, ice and syrups add up and peak hours require enough staff to keep the line moving.
How lenders factor these costs in. Lenders project sales by daypart and season, subtract cost of goods, labor, rent and franchise fees, and look for a cushion above debt service. Soda shops can see strong summer and after-school traffic and slower winter months, so show monthly projections rather than an annual average.
Franchisor Requirements for New Owners
We could not verify published net worth or liquid capital requirements for Fixxology. Ask the franchisor for its current financial qualifications and confirm them in the disclosure document. Retail, food service or management experience helps, as does a clear plan for hiring and scheduling a mostly part-time team.
Ways to Own a Fixxology
A new shop. Most buyers open a new location, financing the fee, build-out, equipment and opening costs. Our page on franchise business start-up financing explains how we approach these requests.
Buying an existing shop. Franchised shops do change hands. A buyer can point to actual sales and expenses, which makes underwriting more concrete. See our article on buying a franchise resale.
Multiple shops. Owners who want more than one location should ask about development rights and schedules before signing.
Financing Options for a Fixxology Franchise
SBA 7(a) loans. Because Fixxology is listed on the SBA Franchise Directory, the SBA 7(a) loan program can finance the franchise fee, build-out, equipment, signage and working capital in one loan.
SBA 504 loans. If an owner buys a small building or pad site with a drive-through, the SBA 504 program can fit the real estate and long-lived improvements.
Conventional term loans. A conventional business loan may suit owners with strong collateral or other business income, or the purchase of an established shop.
Equipment financing. Fountains, ice machines, freezers and point-of-sale systems can be financed or leased separately. Learn more about restaurant equipment financing and leasing.
Working capital and lines of credit. A line of credit helps cover slower winter months, inventory for seasonal drink launches and staffing before summer. See our restaurant working capital options.
Seller financing on resales. A seller may carry part of the price. Any seller note must be acceptable to the senior lender, is typically subordinate to it and may be limited by SBA program rules.
SBA Loans for Fixxology Franchisees
SBA lenders rely on the SBA Franchise Directory to confirm that a brand’s franchise agreement has been reviewed for eligibility. The listing does not approve any borrower; it clears the franchise relationship for review. The SBA 7(a) program maximum is currently $5 million, though program rules can change.
The directory listing. Fixxology appears under code S6975. Its note says that when the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Lease Agreement Rider and Collateral Assignment of Lease may not be executed.
What that note means in plain English. Franchisors often ask a franchisee’s landlord to sign a lease rider and collateral assignment that let the franchisor step into the lease if the franchise ends. Those documents make sense for a rented shop. If the franchisee or an affiliate owns the property and pledges it for the SBA loan, those documents should not be signed, so they do not compete with the lender’s lien. For a typical leased shop, the note changes nothing.
SBA application tips. Bring the current disclosure document, a signed or pending lease or letter of intent, contractor bids and an equipment list. Our SBA loan calculator can estimate payments for planning only; it is not an offer or approval.
How Lenders Evaluate a Fixxology Deal
Personal credit and financial history. For a Fixxology franchise loan, lenders review credit, tax returns and a personal financial statement, and typically require a personal guarantee.
Net worth and liquidity. Reserves after closing show you can carry the shop through a slow season.
Experience. Food service, retail or multi-shift management experience strengthens a request.
Business plan and projections. Base projections on traffic counts, drive-through capacity, average ticket, labor by hour and seasonality. Our franchise due diligence checklist covers the questions to ask the franchisor and existing owners.
The FDD and franchise agreement. Lenders review the term, renewal, transfer conditions, territory, any franchisor financing in Item 10 and whether Item 19 includes financial performance representations. See how lenders read a Franchise Disclosure Document.
Site and lease. Lenders want the lease term, including options, to cover the loan term, and they look closely at drive-through access and parking.
Historical financials for resales. Expect to provide several years of profit and loss statements, sales reports and tax returns.
Real-World Scenarios
A first-time owner opening a drive-through shop. An SBA 7(a) loan covers the fee, build-out of a former coffee kiosk, beverage equipment and working capital, and the lender reviews traffic and the lease.
A local buyer purchasing an existing shop. A buyer acquires a franchised shop from its original owner, with the loan based on the shop’s sales history and a small subordinate seller note.
An owner buying the building. A franchisee buys a small pad site with a drive-through lane and pledges it as collateral. Following the directory note, the lease rider and collateral assignment are not signed.
Common Mistakes to Avoid
- Underestimating plumbing, electrical and drive-through build-out costs
- Projecting summer sales across the full year
- Signing a lease before a lender reviews the term and drive-through access
- Leaving too little working capital for the first winter
- Skipping calls with existing owners in a young system
Read the restaurant loan mistakes that cost owners the most for more pitfalls that apply to food and beverage concepts.
Next Steps to Finance Your Fixxology Franchise
Step 1: Request the current disclosure document. Review it with a franchise attorney and accountant.
Step 2: Confirm the franchisor’s financial qualifications. Compare them with your personal financial statement.
Step 3: Find and evaluate a site. Prioritize visibility, drive-through access and parking.
Step 4: Gather bids and build projections. Collect contractor and equipment quotes and project monthly sales.
Step 5: Talk with a financing specialist. Compare SBA 7(a), 504 and conventional options.
Step 6: Apply, close and open. Coordinate the lease, loan closing and franchisor approval, then fund working capital and launch.
Fixxology Franchise Loan FAQs
How much does it cost to open a Fixxology franchise?
The total investment appears in Item 7 of the current disclosure document. We could not verify the current range, so use the latest document to build your budget.
What are the Fixxology franchise fee and royalty?
The fee appears in Item 5 and the royalty and other recurring fees in Item 6.
Can I get an SBA loan for a Fixxology?
Yes. Fixxology is listed on the SBA Franchise Directory under code S6975, so SBA 7(a) and 504 loans are available subject to lender approval.
Does Fixxology repair phones or devices?
No. Fixxology is a custom soda and treat shop, so financing follows food and beverage lending, not electronics repair.
Can I finance the equipment separately?
Yes. Fountains, ice machines and freezers can be financed or leased apart from the main loan.
Can I buy an existing Fixxology shop?
Yes, when one is for sale and the franchisor approves the transfer. Lenders underwrite the shop’s actual results.
Can a first-time owner get a Fixxology franchise loan?
Yes, with franchisor approval, solid credit, adequate reserves and a realistic plan.
Does Fixxology offer financing?
Item 10 of the disclosure document states whether the franchisor offers any direct or indirect financing.
How long is the franchise term?
Item 17 covers term, renewal and transfer. Lenders generally want the loan to fit within the remaining term.
What documents do I need to apply?
A personal financial statement, tax returns, a resume, projections, the franchise documents, a lease or letter of intent, bids and proof of your equity injection.
Final Thoughts
A soda shop looks simple, but build-out, beverage equipment and seasonal cash flow decide whether the numbers work. Buyers who verify the disclosure document, choose a site with strong drive-through access and keep enough working capital for slower months give their Fixxology franchise loan request the best chance of approval.
US Professional Funding helps franchise owners and buyers finance start-ups, acquisitions, equipment, working capital and refinancing. Learn more about our franchise financing programs and restaurant financing solutions.
