Business Ownership Decisions

Start vs Buy vs Franchise vs Invest Calculator

For 10 popular industries, compare starting from scratch, buying an existing business, opening a franchise, or staying employed and investing the cash — with real BizBuySell multiples and SBA survival data.

Most 'should I buy a business?' content is written by business brokers (who get a commission on buy) or first-time founders (who romanticize start-from-scratch). We built a real comparison for 10 industries with BizBuySell's actual transaction multiples, SBA survival data, and Guidant Financial's annual small-business trends report. Each page compares four real options: start from scratch, buy an existing business (with SBA 7(a) financing math), open a franchise (with royalty drag included), or stay employed and put the money in the S&P 500. Save scenarios for the partner you're convincing, share a prefilled URL with your accountant, and read 900+ words of analysis specific to your industry — not generic 'follow your passion' content.

  • 10 popular small business industries covered
  • 4 paths compared: start / buy / franchise / invest
  • Real BizBuySell + IBBA acquisition multiples
  • SBA survival data baked into 5-yr math
  • Save scenarios, prefilled URLs, print to PDF
  • Cited industry transaction sources
Restaurant
Restaurant: start-from-scratch ~$425,000 in 12 months vs buy existing at 2.1× SDE (~$304,500). 5-yr survival rate: 20%.
4 options · updated 2026-05-25
Coffee shop
Coffee shop: start-from-scratch ~$285,000 in 9 months vs buy existing at 1.9× SDE (~$174,800). 5-yr survival rate: 40%.
4 options · updated 2026-05-25
E-commerce brand
E-commerce brand: start-from-scratch ~$28,000 in 6 months vs buy existing at 3.4× SDE (~$323,000). 5-yr survival rate: 35%.
4 options · updated 2026-05-25
SaaS company
SaaS company: start-from-scratch ~$95,000 in 18 months vs buy existing at 4.5× SDE (~$337,500). 5-yr survival rate: 28%.
4 options · updated 2026-05-25
Commercial cleaning
Commercial cleaning: start-from-scratch ~$38,000 in 5 months vs buy existing at 2.4× SDE (~$252,000). 5-yr survival rate: 55%.
4 options · updated 2026-05-25
Lawn care
Lawn care: start-from-scratch ~$22,000 in 3 months vs buy existing at 2.2× SDE (~$193,600). 5-yr survival rate: 60%.
4 options · updated 2026-05-25
Dental practice
Dental practice: start-from-scratch ~$580,000 in 14 months vs buy existing at 0.75× SDE (~$240,000). 5-yr survival rate: 80%.
4 options · updated 2026-05-25
Auto repair shop
Auto repair shop: start-from-scratch ~$195,000 in 8 months vs buy existing at 1.9× SDE (~$313,500). 5-yr survival rate: 65%.
4 options · updated 2026-05-25
Fitness studio
Fitness studio: start-from-scratch ~$210,000 in 9 months vs buy existing at 1.6× SDE (~$104,000). 5-yr survival rate: 30%.
4 options · updated 2026-05-25
Marketing agency
Marketing agency: start-from-scratch ~$18,000 in 4 months vs buy existing at 3.2× SDE (~$432,000). 5-yr survival rate: 45%.
4 options · updated 2026-05-25