uBreakiFix franchise startup costs run $60K–$278K for an electronics repair shop handling phones, tablets, and computers. The brand is owned by Asurion, which also processes warranty and insurance repair work routed through uBreakiFix locations.
Ubreakifix franchise costs at a glance
Total investment
$60,000–$278,000
Franchise fee
$40,000
Royalty
7%
Ad / marketing fee
1.5%
Liquid capital required
$80,000
Net worth required
$250,000
Source: Ubreakifix Franchise Disclosure Document (FDD) · as of 2026-05-06. Figures vary by market and site; verify against the current FDD before signing.
Per the current FDD, total estimated initial investment for a uBreakiFix franchise runs $60,000–$278,000. The wide range reflects whether the franchisee takes over an existing location vs. builds out a new retail suite, and market-driven variability in build-out and leasehold improvement costs:
Initial parts inventory: $15,000–$40,000 (screens, batteries, components for most common repair types)
Signage: $5,000–$20,000
Technology: $3,000–$8,000
Training and travel: $3,000–$8,000
Working capital: $10,000–$30,000
Miscellaneous pre-opening: $3,000–$10,000
2 Ongoing fees and royalty structure
uBreakiFix franchisees pay a 7% royalty on gross sales plus a 1.5% advertising fund contribution — for a combined 8.5% of gross revenue. The advertising fund rate is notably low compared to most retail franchise concepts, reflecting that Asurion's warranty routing provides built-in traffic that reduces the brand's dependence on external advertising to generate demand. The royalty structure applies to both retail consumer repair revenue and Asurion insurance/warranty repair revenue routed to the location.
3 Net worth and liquid capital requirements
uBreakiFix requires prospective franchisees to demonstrate net worth of $250,000 or more and liquid capital of $80,000 or more. Prior retail management or technology background is helpful but not required — uBreakiFix provides comprehensive technical training, and franchisees hire repair technicians rather than performing repairs themselves. The primary qualifications the brand evaluates are business management aptitude, customer service orientation, and financial stability.
4 Financing options
uBreakiFix is listed on the SBA Franchise Directory, qualifying franchisees for expedited SBA loan processing. Common financing paths:
SBA 7(a) loan: Covers franchise fee, leasehold improvements, equipment, parts inventory, and working capital. Standard financing structure for retail service franchises at this investment range.
Equipment financing: Diagnostic tools, display cases, and repair equipment can be financed separately, reducing the SBA loan balance.
SBA microloan: For existing-location conversions near the $60K floor, microloans can cover equipment and working capital needs.
Working capital line of credit: Useful during ramp-up while the Asurion routing volume and retail customer base are being established.
5 What lenders look for in a uBreakiFix franchise application
uBreakiFix is on the SBA Franchise Directory. The Asurion ownership creates a B2B revenue layer — lenders view this positively because warranty-routed repairs represent predictable volume beyond walk-in traffic. Key underwriting factors:
Asurion routing volume: Lenders increasingly recognize the B2B warranty routing as a revenue stabilizer. Borrowers should quantify expected Asurion-sourced repair volume from FDD Item 19 disclosures and comparable location data to support DSCR projections.
DSCR on combined retail + Asurion revenue: On a 10-year SBA 7(a) loan at $60K–$278K, monthly debt service runs approximately $620–$2,900. A location generating $300K–$600K+ in annual repair revenue at typical service-business margins can meet the 1.15× DSCR threshold — but year-one projections must reflect a 6–12 month ramp before full Asurion routing activates.
Equity injection: SBA requires 10% minimum; lenders typically want 20–25% — approximately $12K–$70K in documented borrower funds. uBreakiFix's $80K+ liquid capital requirement covers the SBA floor for most investment levels.
Equipment as partial collateral: Diagnostic tools, display fixtures, and repair equipment represent tangible collateral that partially offsets the lack of real estate. A detailed equipment list with appraisal-ready valuations strengthens the file.
Lease term and location quality: Strip mall and retail center visibility drives walk-in traffic. Lenders want a lease term that aligns with the loan maturity — ideally a 10-year lease (or 5-year with two 5-year renewal options) for a 10-year SBA loan.
6 Apply at ClearValue Lending
ClearValue Lending works with technology service and specialty retail franchise operators on SBA and equipment financing structures. Start at small business financing or apply at Find my match. Your file routes to the funding partners best matched to your file.
Sources
uBreakiFix is listed on the SBA Franchise Directory, qualifying franchisees for expedited SBA loan eligibility. — SBA Franchise Directory
SBA 7(a) loans finance franchise startups including equipment, parts inventory, and working capital for service retail concepts. — SBA 7(a) Loan Program
Qualifying repair equipment and tools placed in service during the tax year may be immediately expensed under IRS Section 179. — IRS Publication 946
How much does a uBreakiFix franchise cost in 2026?
Per the current FDD, total estimated initial investment runs $60,000–$278,000. Taking over an existing location is significantly cheaper than building out a new retail suite. The franchise fee is $40,000.
Who owns uBreakiFix?
uBreakiFix was acquired by Asurion in 2019. Asurion is the largest device protection and warranty company in the US, insuring hundreds of millions of devices through carrier and retailer partnerships.
What is the Asurion routing benefit for uBreakiFix franchisees?
Asurion routes warranty and insurance-covered device repairs to uBreakiFix locations, providing a B2B revenue stream beyond retail walk-in traffic. This built-in volume source differentiates uBreakiFix from independent electronics repair shops.
What is the uBreakiFix royalty rate?
uBreakiFix charges a 7% royalty on gross sales plus a 1.5% advertising fund contribution, for a combined 8.5% of gross revenue.
Can I finance a uBreakiFix franchise with an SBA loan?
Yes. uBreakiFix is on the SBA Franchise Directory. SBA 7(a) is the standard path for this investment range, and equipment financing can supplement for tools and display fixtures.
What DSCR do lenders require for a uBreakiFix franchise SBA loan?
SBA guidelines require a minimum DSCR of 1.15×. On a 10-year SBA 7(a) loan at uBreakiFix's $60K–$278K investment range, monthly debt service runs approximately $620–$2,900. A location generating $300K–$600K+ in annual repair revenue — combining retail walk-in and Asurion warranty routing — can meet this threshold. Year-one projections should use a conservative ramp schedule, not peak-volume assumptions. Source: SBA SOP 50 10 8 (sba.gov).
How much equity injection is required for a uBreakiFix franchise SBA loan?
SBA requires a minimum 10% equity injection. Lenders typically want 20–25% of total project cost — approximately $12K–$70K depending on the investment level ($60K for an existing-location conversion vs. $278K for a new build-out). uBreakiFix's $80K+ liquid capital requirement covers the SBA floor for most scenarios. Source: SBA SOP 50 10 8, Subpart B, Chapter 4.
Summary:
uBreakiFix franchise startup costs run $60K–$278K for an electronics repair shop handling phones, tablets, and computers. The brand is owned by Asurion, which also processes warranty and insurance repair work routed through uBreakiFix locations.
This article is for educational purposes and is not financial, legal, or tax advice. Rates,
fees, qualification requirements, and product availability are illustrative ranges that vary
by lender, market conditions, and individual business profile. ClearValue Lending is a
funding platform; all financing is subject to lender partner approval and terms. Always read
your contract end-to-end and verify specific numbers before signing.
