How to Finance an Eggs Up Grill Franchise: Daytime Diner Costs
By Anthony Cornella
An Eggs Up Grill franchise loan pays for a full-service breakfast, brunch and lunch restaurant that is open from early morning until mid-afternoon. With a published $45,000 franchise fee, an investment estimate of $821,000 to $1.14 million and an SBA Franchise Directory listing that carries specific notes about leases and liens, buyers have clear numbers to plan around and a few SBA details worth understanding before they apply.
US Professional Funding is not affiliated with, sponsored by or endorsed by Eggs Up Grill; the name is used only to describe the business. Figures from the franchisor’s disclosure document and website can change, loan programs and terms vary by lender and borrower, and every loan is subject to approval. Nothing here is legal, tax or investment advice. Review the current Franchise Disclosure Document (FDD) and franchise agreement with a qualified franchise attorney and accountant.
Eggs Up Grill Franchise Loan at a Glance
- Initial franchise fee: $45,000 per location, according to the franchisor’s website, with a 15% discount for qualifying honorably discharged U.S. veterans
- Royalty: 5% of gross sales
- Marketing fee: 2% of gross sales, split 1.6% for national campaigns and 0.4% for local efforts
- Estimated initial investment: $821,000 to $1.14 million, varying by location
- Financial qualifications: the franchisor’s inquiry form asks candidates to confirm $200,000 in liquid assets and $500,000 in net worth
- Restaurant size and hours: 2,500 to 3,200 square feet, open 6:00 a.m. to 2:00 p.m. on a single shift
- System size: the company reports 195 locations open, in development or committed
- SBA Franchise Directory: listed under code S0570, with notes on the lease addendum and lien position
What Is Eggs Up Grill?
Eggs Up Grill is a daytime restaurant brand serving breakfast, brunch and lunch in a casual, family-friendly setting with table service. The franchisor points to more than 25 years of growth, and it reports 195 locations open, in development or committed.
The daytime model. Restaurants open at 6:00 a.m. and close at 2:00 p.m. every day, so owners run a single shift. The franchisor says a typical restaurant employs 22 to 25 team members. No dinner service means no late-night labor, and owners and managers keep more regular hours than in many restaurant formats.
The space. The franchisor describes an ideal restaurant of 2,500 to 3,200 square feet, and site choice should favor easy morning access. Its franchise development team helps with site selection, trade-area evaluation, lease negotiation and layout design.
Why lenders view it the way they do. Lenders see a growing, SBA-listed brand with published fees, a defined footprint and a straightforward operating day. They also know the breakfast category is competitive, that weekend brunch drives a large share of traffic and that a full-service dining room carries real labor costs. A well-built Eggs Up Grill franchise loan request shows a site with strong morning traffic and a plan to staff it well.
Eggs Up Grill Franchise Costs
Initial franchise fee. The franchisor lists a $45,000 initial franchise fee per location. Honorably discharged U.S. Armed Forces veterans who provide a DD214 and own 51% or more of the business receive a 15% discount. Our page on franchise financing for veterans covers other considerations for veteran buyers.
Real estate and build-out. Most owners lease their space. Build-out covers the kitchen line, hoods and fire suppression, plumbing for dish and beverage stations, restrooms, a dining room and counter, finishes and décor. A second-generation restaurant can lower costs if its kitchen and plumbing fit the layout.
Equipment. Breakfast kitchens rely on flat-top griddles, waffle irons, ovens, fryers, refrigerated prep tables, walk-in coolers, coffee and juice equipment, dish machines, point-of-sale systems and dining room furniture.
Opening costs and working capital. Opening inventory, training travel, pre-opening payroll for a full team, grand opening marketing, permits, insurance and reserves for the first months.
Total investment. The franchisor estimates the initial investment at $821,000 to $1.14 million, depending on location. When you receive the FDD, check that the Item 7 line items add up to the stated total. Expect categories like these:
- Initial franchise fee
- Lease deposits and rent before opening
- Leasehold improvements and construction
- Kitchen equipment and smallwares
- Furniture, fixtures and décor
- Signage
- Point-of-sale and technology
- Opening inventory
- Training expenses and grand opening marketing
- Additional funds for the initial operating period
Ongoing Fees and How They Affect Your Loan
Royalty. Franchisees pay a 5% royalty on gross sales for ongoing support and systems.
Marketing. The 2% marketing fee is split into 1.6% for national campaigns and 0.4% for local efforts.
Other fees. Item 6 of the FDD lists technology, transfer, renewal and training charges. Ask about remodel or refresh requirements over the term as well.
How lenders factor these costs in. Royalty and marketing together take 7% of gross sales before food, labor, rent and debt payments. Lenders deduct these fees in their projections, then test whether the remaining cash flow covers the proposed loan payments with room to spare. Because the restaurant is open only eight hours a day, every hour’s sales matter, so projections should be grounded in the site’s real morning and weekend traffic.
Franchisor Requirements for New Owners
The franchisor’s inquiry form asks candidates to confirm $200,000 in liquid assets and $500,000 in net worth. Restaurant experience is preferred but not required, according to the franchisor.
Training. Owners complete four weeks of training split into two segments, including two weeks at corporate headquarters, plus a week of pre-opening support at their restaurant.
The approval process. Expect an inquiry, introductory calls, FDD review, conversations with existing franchisees, financial qualification and final approval before signing. The franchisor says it has relationships with multiple preferred lenders, but it does not offer in-house financing, so arrange your own lender early.
Ways to Own an Eggs Up Grill
A new restaurant. Most owners open new locations. Lenders underwrite projections, the site, the lease and the owner’s experience. Read about restaurant start-up financing.
Buying an existing restaurant. When an existing location is for sale, a buyer can rely on real sales history, subject to the franchisor’s approval of the transfer. Learn how lenders approach franchise restaurant acquisitions.
Multi-unit development. The franchisor has a dedicated multi-unit program, and many owners sign for several restaurants under a development schedule. See the multi-unit section below.
Financing Options for an Eggs Up Grill Franchise
SBA 7(a) loans. Because the brand is SBA-listed, the SBA 7(a) loan program is a natural fit for single-restaurant projects, funding leasehold improvements, equipment, the franchise fee and working capital in one loan.
SBA 504 loans. Owners building or buying a freestanding restaurant can use an SBA 504 loan for the land and building. Read the directory notes below, since they address what happens when real estate secures the loan.
Conventional term loans. Experienced multi-unit operators with strong balance sheets may prefer a conventional business loan, with terms set by the lender.
Equipment financing. Griddles, refrigeration, coffee equipment and point-of-sale systems can be financed separately to preserve cash. Explore restaurant equipment financing and leasing.
Working capital. A new restaurant needs time to build its regulars, and breakfast traffic can dip during summer vacations or bad weather. A working capital reserve or line of credit covers payroll and inventory while sales ramp up. See our restaurant working capital options.
Seller financing on resales. A selling franchisee may agree to carry part of the price. A seller note is typically subordinate to the senior loan, and SBA and other programs may limit how it is structured.
SBA Loans for Eggs Up Grill Franchisees
The franchisor says it is registered with the SBA, and the brand appears on the SBA Franchise Directory as Eggs Up Grill under code S0570. A listing confirms the franchise agreement has been reviewed for SBA eligibility. It does not approve any borrower.
What the directory notes mean. The listing carries two notes. First, when the real estate where the restaurant operates will secure the SBA-guaranteed loan, the brand’s lease addendum may not be executed. In plain English, if you own the property and pledge it as collateral, the franchisor’s lease rider is not used, because there is no third-party lease to modify. Second, the lender must make sure it obtains the correct lien position on all assets as SBA rules require. That means the lender will confirm where its liens rank on equipment, inventory and any real estate, which can affect how equipment leases or other financing fit into the deal.
Program limits. The SBA 7(a) program maximum is currently $5 million, though program rules can change. Run planning estimates with our SBA loan calculator; results are not an offer or approval.
How Lenders Evaluate an Eggs Up Grill Deal
Personal credit and financial history. Lenders review credit, tax returns and a personal financial statement, and significant owners usually sign personal guarantees.
Net worth and liquidity. The franchisor’s $200,000 liquid and $500,000 net worth markers are a starting point. Lenders also want reserves after the equity injection, especially for a new restaurant.
Industry and management experience. Experience is preferred, not required, by the franchisor, but lenders will weigh it heavily for a full-service restaurant with more than 20 employees. A strong general manager can close that gap.
Business plan and projections. Build projections around the single-shift day, weekday versus weekend traffic, labor scheduling for 22 to 25 team members, food costs for eggs, meat and coffee, and a ramp-up period. Use the FDD’s Item 19 as context, but rely on your own site analysis.
The FDD and franchise agreement. Lenders check the franchise term, renewal, transfer and termination provisions and any development obligations.
Site and lease. Lenders want a lease term that matches or exceeds the loan term, with renewal options, and they look at morning access, parking and visibility.
Historical financials for resales. Buyers of operating restaurants should expect to provide several years of profit and loss statements and tax returns.
Single-Shift Operations: What It Means for Financing
The 6:00 a.m. to 2:00 p.m. schedule shapes the whole financial picture. Labor is concentrated into one shift, utilities run shorter hours and there is no liquor license to buy or maintain. On the other hand, the restaurant has fewer hours to generate sales, so the dining room needs to turn tables quickly at peak times and the kitchen needs enough griddle and prep capacity to handle weekend rushes. When lenders review an equipment list for an Eggs Up Grill, they want to see that the kitchen was sized for peak demand rather than average weekdays.
Multi-Unit Growth and Development Agreements
The franchisor promotes multi-unit ownership, and a development agreement typically sets a schedule for opening each restaurant. Missing those deadlines can have consequences under the agreement, so align financing with the schedule from the start.
Financing additional restaurants. Lenders usually finance each restaurant as it opens, using the cash flow of existing locations to support the next one. Some owners later refinance or consolidate debt across the group. Our article on area development agreement financing explains how lenders handle multi-unit schedules.
Real-World Scenarios
A veteran opening a first restaurant. A retired service member with management experience qualifies for the veteran fee discount and opens a lease-based restaurant with an SBA 7(a) loan, hiring an experienced restaurant general manager.
An owner pledging real estate. A buyer purchases a freestanding former restaurant building and uses it as collateral. Because the real estate secures the loan, the lease addendum does not apply, and the lender confirms its lien position on the property and equipment.
A multi-unit developer. An experienced restaurant operator signs a development agreement and finances each opening separately, using the first restaurant’s results to support later loans.
Common Mistakes to Avoid
- Choosing a site with weak morning traffic or poor access
- Undersizing griddle and prep capacity for weekend rushes
- Underestimating labor costs for a full-service dining room
- Arranging equipment leases without considering the lender’s lien position
- Leaving too little working capital for the ramp-up period
- Signing a development schedule without a financing plan for each restaurant
For more pitfalls, read about restaurant loan mistakes to avoid.
Next Steps to Finance Your Eggs Up Grill Franchise
Step 1: Confirm you qualify. Compare your liquid assets and net worth with the franchisor’s markers and decide who will manage the restaurant.
Step 2: Review the FDD. Study Items 5, 6, 7, 10, 17, 19 and 20 with a franchise attorney and accountant.
Step 3: Talk with a financing specialist. Learn which programs fit your Eggs Up Grill franchise loan and how much equity you will need.
Step 4: Secure a site. Work with the franchisor’s team on site selection and lease negotiation, and get contractor estimates.
Step 5: Build your business plan. Prepare projections, a sources-and-uses table and an opening timeline.
Step 6: Apply and coordinate approvals. Submit your loan package and keep lender, landlord and franchisor timelines aligned.
Step 7: Close, build and train. Manage construction draws and complete the four weeks of training before opening.
Eggs Up Grill Franchise Loan FAQs
How much does an Eggs Up Grill franchise cost?
The franchisor estimates the initial investment at $821,000 to $1.14 million, depending on location.
What is the Eggs Up Grill franchise fee?
$45,000 per location, with a 15% discount for qualifying honorably discharged U.S. veterans.
What are the royalty and marketing fees?
A 5% royalty and a 2% marketing fee on gross sales, with the marketing fee split 1.6% national and 0.4% local.
How much liquid capital and net worth do I need?
The franchisor’s inquiry form asks candidates to confirm $200,000 in liquid assets and $500,000 in net worth.
Is Eggs Up Grill approved for SBA loans?
Yes. It is on the SBA Franchise Directory under code S0570, with notes on the lease addendum and lien position. An Eggs Up Grill franchise loan through the SBA still depends on normal underwriting.
Does Eggs Up Grill offer financing?
The franchisor says it does not offer in-house financing but has partnerships with multiple preferred lenders. Item 10 of the FDD describes any financing arrangements.
Do I need restaurant experience?
The franchisor says restaurant experience is preferred but not required. Lenders will give weight to your management background and your general manager’s experience.
Can I buy an existing Eggs Up Grill?
Yes, when one is for sale and the franchisor approves the transfer. Lenders can then underwrite the restaurant’s actual results.
Can I open multiple locations?
Yes. The franchisor has a multi-unit program, and financing usually follows each restaurant’s opening.
Does the FDD include financial performance information?
Yes. The franchisor’s website refers to an Item 19 financial performance representation in its 2026 FDD. Review it with your accountant and build your own projections.
How long is the franchise term?
The term and renewal rights are in Item 17 of the FDD. Lenders prefer a term and lease that both run at least as long as the loan.
Final Thoughts
Eggs Up Grill offers a clear fee structure, a defined footprint and a single-shift model that many owners find appealing. Financing it well comes down to a site with strong morning traffic, a kitchen sized for weekend peaks, enough working capital for the ramp-up and an understanding of the brand’s SBA directory notes on leases and liens.
US Professional Funding helps franchise owners and buyers finance start-ups, acquisitions, equipment and working capital. Learn more about our franchise financing and restaurant financing solutions.
