Franchises under 20K

Are you looking to invest in a franchise, but you’re on a tight budget? Are you willing to spend no more than $20,000 on your initial investment?

Browse our listings below to see some of the top franchises under 20k.

You can also obtain an SBA loan for a franchise and invest as little as 30% of the total investment amount.

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  • Invest in a Franchise for under $20,000

    We get asked quite a lot: What are the best franchises under 20k?

    Now, $20,000 isn’t that much money to open up a franchise or a small business. You’re going to be looking at service-based businesses, and often if the price tag is 20K, they often have a high failure rate because it’s easy to open and often easy to close. And the franchisors are more lenient with the franchise agreement, and not making the franchisee stay on for 10 years and pay the minimum royalty for the full 10-year period. They’re more accommodating of people entering the system, as well as leaving the system. And the high failure rate of franchises under 20k reflects this reality.

    However, there are franchises under 20K that could be attractive to people looking for a relatively low-cost entry into the world of franchising. It’s worth researching the franchises available, as some may have good income potential and even more successful franchises have begun with an initial investment of only 20k or less.

    Now, franchises under 20k investment could turn into an opportunity where you’re profiting $150,000, $200,000 in earnings a year. However, how long is it going to take you to start making $200,000 based on an initial capital investment of $20,000? Three years minimum, probably more like four, five, six years. So you’re going to have to calculate how much is your time worth and whether is it better, maybe, working at a company and doing something on the side until it really starts to pick up, and then jumping in 100% to a business opportunity or a particular franchise.

    So, franchises under 20K really depend on the individual opportunity. It’s also a great way to get your feet wet in franchising as there is less risk than if you were investing immense amounts of capital into something that might be a lot riskier or doesn’t have proven success rates.

    Low Initial Investment Franchise

    Many people do not want to put the time in that it takes to start making $150K based on a very low investment. They prefer to collect a steady paycheck. However, there are some exceptions, like Chick-fil-A and Steak ‘n Shake. Those are two restaurant franchises that you can basically enter into a partnership model where you split the profits with the franchisor directly.

    And, again, only $10,000, so you can imagine a lot of people applying for the opportunity to partially own a Chick-fil-A franchise, a Steak ‘n Shake franchise, but it is a promising opportunity for those that have less capital, are willing to work hard, but aren’t motivated to become mega-millionaires because you are generally limited to having just a couple of Steak ‘n Shakes or a couple of Chick-fil-A. So I’ve heard of people opening up insurance franchises, starting with $50,000, and creating an empire where they have now 35 locations, and it’s worth $20 million. You’re not going to do that with a Chick-fil-A or a Steak ‘n Shake.

    But, franchises under 20K are an option to consider and should be researched by those people who are looking for a relatively low-cost entry into the world of franchising.

    VettedBiz is the best place to research franchises under 20K with detailed information on each franchise, including news articles, success stories, and business opportunity reviews. Start your journey today, and find out how owning a franchise can help you achieve financial freedom.

    Examples of Franchises under 20k

    Are you looking to invest in franchises that require limited funds? Vetted Biz offers a selection of franchises under 20k on its website. Here are some franchises that may be of interest:

    Chefs for Senior

    Chefs for Senior is a franchise committed to providing meals to senior citizens. It provides a variety of meal plans that fit every budget and need, with the possibility to customize menus. Its aim is to provide nutritious, delicious meals in order to make life easier and more pleasurable for seniors. Franchisees are responsible for delivering the food and services to customers. This involves menu preparation, grocery shopping, preparing dishes, as well as cleaning up afterward.

    Card My Yard

    Card My Yard offers an exclusive yard greeting service together with accompanying products. The franchises are surprisingly affordable, making it one of the few franchises under 20K to become part of this growing business trend.

    Coffee News

    Coffee News is an iconic publication that can be found in restaurants and waiting areas all over the world. With three decades of experience, franchises are offered a great opportunity to partner with a company that already has an established presence. By joining Coffee News as a franchisee, any brand will have access to potential customers on a large scale.


    Corvus Janitorials is composed of franchises providing cleaning services. The franchises are individually owned and operated with a portion of their revenue going to Corvus. Their goal is to deliver the best janitorial service possible, so they have built an exclusive franchise system.

    Cruise Planners

    Cruise Planners is a cruise vacation planning business with travel advisors operational in the United States. Affiliated to the American Society of Travel Agents (ASTA), CLIA, and Ensemble Travel Group, they supply extensive cruising packages to numerous locations worldwide as well as land-based vacations, group outings, and tailored itineraries. Their travel advisors are knowledgeable about cruises and present customers with various alternatives for their criteria and budget. 


    FIT4MOM is the nation’s leading fitness program for moms. Their mission is to provide mothers with the strength needed to take care of their families. FIT4MOM’s activities are based on modern research and are conducted by certified teachers. A variety of classes, such as stroller fitness, body back, and Fit4Baby are available. Moreover, an online community lets moms interact and get assistance from one another. The franchisee will be operating a FIT4MOM business that offers prenatal and postnatal in-person, group, and professionally supervised exercises for mothers at all motherhood stages.

    Mighty Kicks

    The franchisee will provide a Mighty Kicks franchised service offering a Mobile Soccer Program for daycares, preschools, elementary schools and child learning centers along with an Open Program (open to the public) and Recreational Leagues for children aged 2-8. These leagues are described as non-competitive, enjoyable introductions to soccer with practices and games run by volunteer coaches. The primary source of income is from customer program fees while additional money may come from selling MightyKick’s merchandise, birthday parties or other special events.

    Moms On The Run

    Moms On The Run is an organization committed to helping mothers of all ages and abilities remain active and healthy. They facilitate weekly running events throughout the nation, as well as 5k, 10k, half marathon and full marathon training course. Furthermore, they provide certified running coaches for personalized mentoring, online resources and monthly e-newsletter subscriptions. Franchises associated with the organization are granted an extensive training program, marketing materials and long-term support.

    Real Producers

    Real Producers is a national periodical dedicated to property experts. Every edition includes content to assist its readers in achieving success in their work, including advice from top-performing agents, technology reviews and more. Furthermore, the organization publishes an annual Top Producer list which acknowledges leading brokers and teams from around the nation. Franchisees are fundamental to Real Producers’ prosperity and they continually search for new ways to support them. In addition to the magazine, there is an online registry of premier producers, a monthly webinar series and an annual conference. 

    Snaggle Foot Dog Walks and Pet Care

    The franchisee will operate a home-based venture offering in-home animal care services, such as pet sitting, holiday visits, dog walking, puppy breaks, boarding and transporting pets with the brand name of “Snaggle Foot.”

    Restaurant Franchises under 20k

    Most franchisors do want you to continue to grow like Burger King, Papa John’s, and Domino’s. Average franchisees have five-plus locations, but with Steak ‘n Shake and Chick-fil-A, you’re going to be kind of limited in terms of your upside potential, but you should be making good money. And if you have under $20,000 to invest, I’d recommend a Chick-fil-A opportunity or a Steak ‘n Shake opportunity if you are interested in the restaurant franchise’s space. If not, you might want to save some additional capital and look at some low-cost service franchises, and there’s a lot more available in the $50,000 to $75,000 range.

    Of course, franchises under 20k are still a great way to get into the business world with minimal risk. It is important to do your research and make sure that you understand the full cost of owning a franchise before making any decisions. With VettedBiz, you can find comprehensive information on franchises that have low initial investment requirements and determine if one is right for you. By taking advantage of all the resources available at VettedBiz, you can start your journey toward financial freedom today.


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