Does the estimated initial investment for an Amorino franchise include finance payments, interest, or related costs if any portion of the initial investment is financed?
Amorino Franchise · 2025 FDDAnswer from 2025 FDD Document
erial salaries or any payment to you. These estimates also do not take into account (i) finance payments or charges, interest and related costs you may incur if any portion for the initial investment is financed, or (ii) the costs of a security system, which we estimate will cost between $100 and $150 per month to lease. These amounts are the minimum recommended levels to cover operating expenses, including your employees' salaries for three months. Additional working capital may be required if sales are low or fixed costs are high. We relied on the experience of our affiliates and franchisees in compiling these working capital estimates.
Source: Item 7 — ESTIMATED INITIAL INVESTMENT (FDD pages 22–32)
What This Means (2025 FDD)
According to Amorino's 2025 Franchise Disclosure Document, the estimated initial investment does not include finance payments, interest, or related costs if any portion of the initial investment is financed. The FDD specifies that the estimates provided do not account for finance payments, charges, interest, or related costs that a franchisee may incur if they finance any part of their initial investment. Additionally, the estimates do not include the costs of a security system, which Amorino estimates to be between $100 and $150 per month to lease.
Amorino does not offer direct or indirect financing for any item. However, the FDD indicates that financing may be available through third-party lenders for all or a portion of a franchisee's purchases. The estimated amounts presented in the tables within the FDD do not include any finance charges, interest, or other fees that a third-party lender might charge in connection with such financing. This means that prospective franchisees need to budget separately for these financing costs when planning their initial investment.
In practical terms, a potential Amorino franchisee should be aware that the initial investment figures provided are a baseline and do not represent the total cash outlay if financing is used. Franchisees should obtain detailed quotes from lenders, including all fees and interest rates, to accurately project their total costs. This is a common practice in franchising, as franchisors typically do not include financing costs in their initial investment estimates, as these costs can vary significantly depending on the franchisee's creditworthiness and the terms of the financing.