How much does a Patch Boys franchise cost?
The 2026 Estimated Initial Investment is $74,500 to $105,900 for one The Patch Boys Business serving one Standard Territory. The range includes the Initial Franchise Fee, Initial Package Fee, opening equipment and supplies, training travel, initial advertising, insurance, vehicle-related startup costs, and three months of Additional Working Capital. It does not establish a separate liquid-capital or net-worth minimum.
Official 2026 Item 7 range for one Standard Territory. The low end assumes a home-based operation and an existing compliant white vehicle. The high end allows for more setup and launch expense. Source: 2026 FDD, Item 7, pp. 18-21. The franchisor's official franchise cost page publishes the same total range.
- Legal franchisor
- Patch Boys International, LLC
- Parent
- BELFOR Franchise Group, LLC; see the official parent-company brand page.
- FDD basis
- Issued March 30, 2026; Items 5, 6, 7, 8, 10, 11 and 17.
- Format covered
- One Standard Territory of approximately 250,000 to 350,000 people; home-based operation is permitted if the home is within that area.
- Checked
- July 17, 2026. No matching current disclosure copy was located on an official franchise-controlled public website, so the Item and page citations below are intentionally unlinked.
Capital snapshot
The five figures below separate signing payments, included working capital and the principal continuing charges that begin after opening.
What is included in the initial investment range?
The disclosed range is a combined opening budget for one service area, not merely the franchise fee. Two fixed payments total $52,900, while the remaining categories vary with location, transport, coverage, travel and early operating needs.
Fees and premises setup
The first $52,900 is fixed at signing; the other premises and setup rows in this table add $1,100 to $11,500 across the official low and high assumptions.
| Cost category | Amount | When paid |
|---|---|---|
| Initial Franchise Fee | $44,900 | On signing the Franchise Agreement |
| Initial Package Fee | $8,000 | On signing; sales tax is additional |
| Lease Deposit, First Month's Rent and Utilities | $0-$2,000 | As specified in a lease |
| Leasehold Improvements | $0-$2,000 | Before opening, as incurred |
| Exterior Signage | $0-$2,000 | Before opening, as incurred |
| Licenses and Permits | $0-$500 | Before opening, as incurred |
| Technology System | $100-$2,000 | Before opening, as incurred |
| Initial Supplies and Inventory | $1,000-$3,000 | Before opening, as incurred |
Source: pp. 18-20.
Vehicle, launch and operating capital
These categories contribute $20,500 at the low end and $41,500 at the high end, including the three-month reserve.
| Cost category | Amount | When paid |
|---|---|---|
| Insurance | $2,500-$6,000 | Annually, before opening as incurred |
| Vehicles | $0-$3,000 | Before opening |
| Costs Incurred While Attending Training | $1,000-$5,000 | Before opening, as incurred |
| Initial Opening Advertising | $500-$2,500 | As incurred; expected during months 1-3 |
| Miscellaneous Pre-opening Expenses | $1,500-$5,000 | Before opening, as incurred |
| Additional Working Capital | $15,000-$20,000 | As incurred during months 1-3 |
| Total Estimated Initial Investment | $74,500-$105,900 | Opening period plus months 1-3 |
Source: pp. 19-21.
The $100-$2,000 Technology System line covers pre-opening setup and is separate from the current $349 monthly Technology Fee. The $1,000-$3,000 Initial Supplies and Inventory estimate is stated to support one service area through months 1-3.
The disclosure calls the three-month reserve Additional Working Capital. It may cover legal and accounting fees, additional supplies, business licenses or permits, utility deposits and other miscellaneous startup costs. Those examples are already within the opening total and should not be added a second time. Owner compensation is excluded.
The package includes logo-wear, printed and digital marketing materials, consumables, vehicle magnets, promotional items, a van-graphics allowance and an $850 Convention Allowance. Its price excludes applicable sales tax. Source: pp. 9-10 and 18-21.
Required purchasing also affects payment timing: the Initial Package and all vehicle wraps must be ordered through approved suppliers. Other branded items may come from a pre-approved third party. The FDD states that the franchisor may receive compensation or other consideration from required purchases, but it does not assign a separate buyer amount to that supplier relationship.
Derived calculation: “Premises and setup” combines lease, improvements, signage, permits, technology, supplies, insurance and vehicle line items. “Training and launch” combines training costs, Initial Opening Advertising and Miscellaneous Pre-opening Expenses. Source inputs: 2026 FDD, Item 7, pp. 18-21.
Why can the actual opening cost move within or beyond the range?
The Patch Boys uses one service-area cost range, but the operating-location and vehicle assumptions materially change the cash requirement. The package fee does not apply to additional franchises awarded to an existing franchisee, yet the disclosure provides no separate complete total for a second service area, an existing-business transfer or a Related Franchisee package.
Lower-cost assumptions
The low end assumes the Business operates from the franchisee's home within that area, so lease deposit and Leasehold Improvements may be $0. It also assumes an existing white vehicle already meets System Standards and has no wrap that must be removed.
Higher-cost assumptions
The high vehicle estimate assumes a new vehicle requiring decals and includes a down payment, administrative fee and three months of lease payments, but excludes sales tax. A commercial or industrial space must be at least 500 square feet. The disclosure estimates average monthly rent for industrial-park space at $500-$2,000 and says landlords typically require one or two months of rent as a deposit; major-market rent may be higher.
Purchasing real estate and constructing premises is outside the official range, and the FDD provides no estimate for that path. A buyer planning a purchased building, significant buildout, multiple Territories or more than one vehicle should not treat $105,900 as a contractual ceiling.
What the opening total does not resolve
The disclosed total stops short of several buyer-specific cash needs, particularly owner pay, later operating losses, purchased real estate and expansion beyond one Territory.
- Owner compensation: the three-month reserve excludes an owner's salary or draw.
- Losses after month three: the estimate excludes operating losses and personal living expenses after the initial three-month phase.
- Real estate acquisition: land, building purchase and new construction are excluded.
- Taxes and variable contracts: sales tax on the Initial Package and vehicle is excluded where applicable; lease, insurance and financing terms may change the cash schedule.
- Additional Territories: the FDD says more working capital and insurance will be needed, but it does not publish a complete second-Territory investment range.
When is the money paid?
The largest fixed cash event occurs at contract signing. Most other opening categories are paid before launch as equipment, insurance, travel and vendor commitments are incurred, while the reserve is used during months 1-3.
Signing the Franchise Agreement
Pay the $44,900 franchise fee and $8,000 package fee. Both are non-refundable and fully earned when paid. Approved franchisor financing can defer part of the franchise fee, but not the full opening budget.
Before training and opening
Arrange insurance, technology, required supplies and inventory, a compliant vehicle and any premises-related costs. Insurance must be in force before Initial Training. The initial training program has no additional tuition for up to four people, but wages, travel, meals and lodging are the franchisee's responsibility. The official training and support description identifies the franchisor's current training format; the cost obligation is governed by the FDD.
Opening through month three
Use the disclosed $15,000-$20,000 reserve, plus the opening-advertising allowance. Item 11 requires at least $10,000 of local advertising and marketing in the first 12 months; the opening estimate includes only $500-$2,500 expected during months 1-3.
Monthly after opening
Monthly reports are due by the fifth day, and the Royalty is generally drafted on the tenth day for the prior month's Gross Sales. The Technology Fee is monthly. The franchisor may also debit other fees under the authorization delivered before opening.
Opening window: the disclosure estimates 60-90 days from signing and initial payment to opening. Operations must begin by the later of four months after signing or two months after successful completion of the required training.
Timing sources: Items 5-8, pp. 9-24; Item 11, pp. 29-33.
Which fees continue after opening?
The continuing cost structure combines an 8% Royalty on Gross Sales, a current $349 monthly Technology Fee, a $10,000 first-year local-marketing requirement, and several fees that activate only when the Brand Marketing Fund, managed accounts, additional training or meetings apply. The official franchise FAQ confirms the 8% continuing Royalty, while Item 6 supplies the exact fee basis and timing.
| Continuing obligation | Current amount or basis | Timing and condition |
|---|---|---|
| Royalty | 8% of Gross Sales | Monthly; generally drafted on the 10th for the prior month |
| Technology Fee | $349 per month | Monthly; may change with third-party technology costs plus up to 15% administration |
| Local Marketing Requirement | At least $10,000 | Spent during year one; $500-$2,500 is in the opening estimate for months 1-3 |
| Brand Marketing Fee | None currently; 2% of Gross Sales if activated | Monthly after 120 days' written notice |
| NORA Fee | Up to 5% of Gross Sales | Only for national or regional accounts managed by the franchisor |
| Convention / Regional Meetings / Additional Training | Up to $850 per person; $0-$500 per person per event | Before the event; payable to third parties; excludes travel, lodging and all meals |
Source: pp. 11-18 and 31-33.
How does the minimum Royalty work?
There is no minimum Gross Sales level during year one. If the franchisee misses the stated monthly level for two or more consecutive months after that period, the franchisor may collect the Royalty that would have applied at the minimum level. These are fee-calculation thresholds, not revenue forecasts.
Other variable marketing obligations: no current dollar amount is stated for a future advertising cooperative, a pro-rata joint directory listing, or required participation in local programs such as a call center or direct mail. These should be treated as unresolved costs rather than folded into the fixed $10,000 year-one commitment.
Interpretation: There is no minimum basis during year one. The basis increases by operating period, and a subsequent Business receives a $1,000 reduction to the stated levels. Source: 2026 FDD, Item 6, pp. 17-18.
First-year marketing remainder: The opening estimate includes only $500-$2,500 of the $10,000 year-one marketing commitment. The derived $7,500-$9,500 balance is expected after month three and sits outside that opening estimate.
Which costs arise only after a transfer, default or special event?
Item 6 contains a substantial event-triggered fee schedule. These charges are not part of the ordinary opening total unless the stated event occurs, but they can be material when ownership changes, reports or payments are late, standards are not met, or the franchisor incurs collection, audit or legal costs.
Ownership, renewal and training events
Transfer and later-renewal charges can exceed ordinary monthly fees, while additional Field Training and vehicle refurbishment are payable only when the stated event occurs.
| Trigger | Current fee | When due |
|---|---|---|
| Additional Field Training | $2,000 per person | Before the franchisor schedules the visit |
| Third-party Transfer | 25% of current franchise fee; minimum $10,000 | When transferee signs the new agreement |
| Transfer to spouse or adult offspring | $500 | When approval is requested |
| Franchisor-referred transfer | 10% of sale price or $30,000, whichever is greater | When transferee signs |
| Legal-entity transfer after the first change | $500 | When transfer documents are signed |
| First renewal | No Renewal Fee | At the first renewal, if granted |
| Second or later renewal | 10% of current franchise fee; currently $4,490 | When the renewal agreement is signed |
| Vehicle renovation, refurbishment or remodeling | Actual cost | When required to meet System Standards |
Source: pp. 10-14.
Default, compliance and administration events
Late-payment, audit, Non-Compliance and collection provisions can create both fixed charges and percentage-based exposure outside the normal operating-fee schedule.
| Trigger | Current fee or exposure | Condition |
|---|---|---|
| Late Report | $100 per week | For each late monthly report |
| Late Payment | 5% of amount due or $50 per week, whichever is greater | For payments not made when due |
| NSF | $50 per occurrence | When an automatic debit lacks sufficient funds |
| Convention Non-Attendance | $1,000 | Absent without prior written permission; first Convention Allowance may be credited |
| Non-Compliance | Up to $5,000; ongoing $100 per week | System or contract non-compliance |
| Audit | $2,500-$6,000 plus Royalty, interest, late fees and possible 10% understatement penalty | When records or reports make an audit necessary, or Gross Sales are understated by more than 3% |
| Administrative amendment | $500 per transaction | When the franchisee requests or causes an agreement amendment |
| New product or supplier testing | Minimum $500 plus costs | When approval testing is requested; the fee is refunded if approved for the entire System |
| Collection of delinquent customer balances | Up to 35% of gross amounts collected | For balances delinquent 90 days or more collected by the franchisor |
Source: pp. 14-18.
- Out-of-Territory Conduct: after the first occurrence, a later incident can trigger the greater of $500 or the total invoiced amount for the job.
- Interest: overdue amounts can accrue at 18% per year or the maximum lawful rate, as stated in Item 6.
- Insurance procurement: if required insurance lapses, the franchisor may obtain coverage and demand reimbursement of its costs and premiums.
- Indemnification and legal costs: reimbursement, attorneys' fees and litigation costs vary with the circumstances and can survive expiration or termination.
- Transfer liabilities: a transferee may become responsible for unpaid Royalties, Referral Fees, purchases, late charges, interest, NSF charges and other sums owed by the transferor.
Many stated current fixed charges may increase by up to 10% in a year of the Term. The ordinary third-party Transfer Fee may increase by up to 15% of its current fee per year, and the later Renewal Fee depends on the then-current franchise fee. Source: pp. 11-16.
How much cash is required, and what financing or fee reductions are disclosed?
The disclosure does not state a numerical Liquid Capital or Net Worth minimum. It does, however, show $52,900 payable to the franchisor or its affiliate at signing, subject to approved financing of part of the franchise fee. Financing does not cover the full opening range and does not remove the need to fund vendors, insurance, travel, vehicle, advertising and working capital.
- Franchisor financing amount
- Up to 40% of the $44,900 franchise fee for a Standard Territory, subject to credit standards.
- Minimum down payment
- $26,940 toward the franchise fee.
- Term and interest
- 12 to 36 months at 9% APR, with no prepayment penalty.
- Security
- Personal Guaranty by the owners and their respective spouses; default may accelerate the full unpaid balance.
- Other financing support
- Item 10 says the franchisor provides information and facilitates SBA 7(a) and 504 loans, but does not guarantee approval or repayment.
- Published financial threshold
- No specific Liquid Capital, Net Worth or Non-Borrowed Funds minimum is disclosed in the current FDD or official franchise cost page.
The current official cost page describes in-house financing for up to 40% of the franchise fee over 24 months, while the March 30, 2026 FDD permits a negotiated 12-to-36-month term. The FDD and executed promissory note should control the buyer's underwriting assumption.
The SBA explains that 7(a) financing can support working capital, equipment and other eligible business uses, while 504 financing is generally tied to qualifying fixed assets and cannot be used for working capital or inventory. The FDD's reference to SBA programs is not a promise that a lender will approve a particular borrower or use of proceeds.
Verified franchise-fee reductions
The veteran and first-responder programs reduce only the franchise fee for the first Territory; they do not reduce the package fee or every opening category, and the two reductions cannot be combined. Qualification and proof are required.
| Eligible applicant | Reduction | Derived fee after reduction |
|---|---|---|
| Qualified U.S. military veteran | 20% off | $35,920 |
| Qualified first responder | $2,500 off | $42,400 |
| Related Franchisee in good standing | Unresolved | Not calculated |
Other incentives may be offered in the franchisor's discretion and may vary by market, timing, transaction type or franchisee. Because they are not required to be offered uniformly, they should not be included in a capital plan unless documented in the transaction papers.
The veteran and first-responder reductions appear in Item 5, pp. 9-10, and on the official cost and discount page. The two derived amounts above are arithmetic based on the $44,900 franchise fee.
The Related Franchisee provision contains an internal words-versus-numerals conflict. It is limited to an affiliate-system franchisee in good standing, applies to as many as two franchises purchased together, and cannot be combined with other discounts. Because “twenty percent” and “25%” produce different fees, no discounted amount should be budgeted until Patch Boys International, LLC resolves the discrepancy in the final documents.
What should be verified before relying on the range?
The official range is a franchisor estimate for one Territory, not a quote for a specific market. Before signing, a buyer should reconcile the latest FDD, vendor quotes and financing documents against the intended home-base, vehicle, staffing and territory plan.
- Confirm that the delivered FDD and any state-specific amendment are still current on the signing date. The FTC franchise buying guide explains the 14-day disclosure period and the function of Items 5-7.
- Obtain written vehicle, wrap, insurance and technology specifications before ordering or signing a lease.
- Separate the $10,000 year-one marketing commitment from the $500-$2,500 portion included for months 1-3.
- Confirm whether a home office is legally permitted at the proposed address and whether any commercial location creates rent, deposit or buildout beyond the disclosed range.
- Model cash needs after month three because owner compensation, later operating losses and personal living expenses are excluded.
- Resolve the discount discrepancy and final financing term in the signed agreement and promissory note.
What is the practical capital takeaway?
The verified 2026 cost contract is $74,500 to $105,900 for the single-territory model, including $52,900 in fixed initial payments and a $15,000 to $20,000 three-month reserve. The main range drivers are the planned base, service-van condition, coverage, travel and launch circumstances. The opening range is not a Liquid Capital requirement, the franchise fee is not the full opening budget, and the 8% Royalty plus other disclosed charges continue or arise after opening. The largest unresolved buyer-specific question is whether the planned operating base, fleet and post-month-three cash reserve fit inside the disclosed assumptions.