Cosi franchise: cost, fees and total investment
Short answer: The Cosi franchise fee is $40,000 and the total initial investment ranges from $396,000 to $743,000, with about $95,000 in liquid cash required, based on franchise disclosure data compiled in October 2026. Confirm current figures in Items 5 and 7 of the Cosi FDD.
What are the Cosi franchise fees and investment?
The Cosi franchise requires a franchise fee of $40,000 and a total initial investment of $396,000 to $743,000. The franchise fee is one line inside the total investment, which also covers location, equipment, opening inventory and working capital.
| Franchise fee (FDD Item 5) | $40,000 |
|---|---|
| Total initial investment (FDD Item 7) | $396,000 to $743,000 |
| Minimum liquid cash | $95,000 |
| US locations | 59 |
| Industry | Food & Restaurant (Sandwich Chains) |
| Headquarters | Charlestown, Massachusetts |
| Founded | 2017 |
| Franchising since | 2018 |
How does the Cosi investment compare with other food & restaurant franchises?
Cosi's minimum investment of $396,000 is above the median minimum investment of $297,082 across the 1213 food & restaurant franchises in the SelectFranchiseList database. 447 of the other 1211 brands in this industry start at a higher investment. Its franchise fee starting at $40,000 compares with an industry median of $35,000.
By minimum investment, Cosi belongs with franchises from $250,000 to $500,000.
What should you verify in the Cosi FDD?
Verify six parts of the Cosi Franchise Disclosure Document before you sign, because figures change with every annual FDD:
- Item 5 and Item 6: the current franchise fee, royalty, marketing fund and technology fees.
- Item 7: the full investment range by expense line, including working capital.
- Item 19: whether Cosi discloses financial performance data, and which units it covers.
- Item 20: openings, closures and transfers, plus contacts for current and former franchisees.
- Item 21: the franchisor's audited financial statements.
- Item 12: whether your territory is protected.
The full list of Items is in the FDD guide. You must receive the FDD at least 14 calendar days before you sign a binding agreement or pay any money.
Which franchises are similar to Cosi?
These food & restaurant franchises have the closest minimum investment to Cosi:
| Franchise | Franchise fee | Total investment |
|---|---|---|
| Miller's famous sandwiches | $40,000 | $396,000 to $818,000 |
| Project Lean Nation | $60,000 | $395,750 to $713,600 |
| Patsy's Pizzeria | $75,000 | $395,500 to $651,000 |
| Sarpino's Pizzeria | $30,000 | $395,500 to $582,000 |
| Burger Hut | $35,000 | $395,150 to $449,850 |
See every brand in food & restaurant franchises.
Frequently asked questions
How much does a Cosi franchise cost?
The total initial investment for a Cosi franchise ranges from $396,000 to $743,000, including a franchise fee of $40,000, according to franchise disclosure data compiled in October 2026. The exact amount depends on location, build-out and working capital, as shown in Item 7 of the FDD.
How much cash do you need to open a Cosi franchise?
Cosi lists a minimum of about $95,000 in liquid cash. Lenders usually finance part of the remaining investment, and the franchisor confirms its capital requirements during qualification.
How many Cosi locations are there?
Cosi reported 59 US locations in the data compiled in October 2026. Item 20 of the FDD shows openings, closures and transfers for the last three years.
How long has Cosi been franchising?
Cosi started offering franchises in 2018 after the company was founded in 2017.
Figures are compiled from franchise disclosure data and public franchise listings as of October 2026 and may have changed. Cosi and its trademarks belong to their owner; SelectFranchiseList is not affiliated with or endorsed by Cosi. This page is not an offer to sell a franchise. Only the franchisor's current FDD is authoritative.