Cosi franchise: cost, fees & unit track record
Opening a Cosi franchise takes $466,500 – $946,900 all-in, per its franchise disclosure filings (data as of 2026-05). The initial franchise fee is $40,000. Ongoing, franchisees pay a royalty of 5% on sales plus an ad-fund contribution of up to 5%. To qualify, Cosi asks for $450,000 in liquid cash and a $900,000 net worth. Anything the filings do not state is marked "Not disclosed" below — never estimated.
Cosi franchise costs and fees
| Verification mark | Cost item | Low | High | Range |
|---|---|---|---|---|
| Initial franchise feeOne-time, paid to the franchisor at signing | $40,000 | $40,000 | $40,000 | |
| Initial investment (all-in)FDD Item 7-derived range: build-out, equipment, opening costs | $466,500 | $946,900 | $466,500 to $946,900 | |
| Net worth requiredFranchisor's stated qualification minimum | $900,000 | $900,000 | $900,000 | |
| Liquid cash requiredFranchisor's stated qualification minimum | $450,000 | $450,000 | $450,000 | |
| Cash to open (all-in range) | $466,500 | $946,900 | $466,500 to $946,900 |
| RoyaltyOngoing, % of sales | 5% |
|---|---|
| Ad fundOngoing, % of sales | Up to 5% |
| Initial termLength of the first franchise agreement | 10 years |
See the full Cosi cost breakdown — what's in that number and what isn't
How Cosi's cost compares
A dollar figure means more with a yardstick. Here is where Cosi's disclosed cost sits against the Food & Beverage category:
- Minimum startup cost of $466,500 — about 1.7× the Food & Beverage median of $282,500.
- Initial franchise fee of $40,000 — about in line with the Food & Beverage median of $35,000.
Category medians are computed from the Food & Beverage brands in our data that disclosed each figure — a benchmark for scale, not a quality judgment. See all Food & Beverage franchises
Free info kit — costs, fees, and unit track record. You choose who may follow up.
Figures look outdated? Report outdated info.
How Cosi's units have held up
Openings and closures from FDD Item 20-style unit history, 2012–2015: began the window at 52 units; 6 units opened, 14 closed, ending at 24 units.
What about earnings?
We don't publish per-brand earnings figures — for Cosi or anyone else. The only primary source is Item 19 of the brand's own franchise disclosure document (FDD), and no law requires a franchisor to publish one, so the "average owner income" numbers circulating elsewhere are usually unsourced or survivorship-biased. Ask Cosi for its current FDD and read Item 19 yourself — and if there is no Item 19, that silence is information too.
What this data can't tell you
Everything on this page comes from disclosure filings — fees, ranges, and unit counts. Four questions that matter just as much are not in any filing we can source, so we say so instead of guessing:
- The hours and the labor
- No dataset field says whether Cosi is a manage-from-a-laptop business or a 60-hour week in disguise. Item 15 of the FDD states whether you're obligated to run the business personally, and Item 11 lists what the franchisor actually does for you — then ask current owners what their week looks like (validation calls), not the sales team.
- How hands-on the ownership really is
- "Semi-absentee" is a pitch, not a filing field. Treat any hands-off claim as unverified until it's consistent with Item 15 and with what multiple current franchisees tell you — what absentee ownership actually means.
- Your territory — whether it's protected, and whether it's open
- Two territory questions sit outside our data. Whether Cosi grants a protected or exclusive area is set in Item 12 of the FDD and varies brand to brand — some grant none, and the carve-outs (online sales, national accounts) matter as much as the map. And filing data can't say what's open in your market this month; only Cosi can confirm current availability. Ask both before you inquire, and get the answer in writing.
- What owners earn
- Covered honestly above: our dataset has no earnings fields, the only primary source is the brand's own Item 19, and here is how to read that evidence.
About the Cosi franchise
Cosi is a food & beverage franchisor with 24 units at the end of 2015 (FDD Item 20-style unit history). Between 2012 and 2015, it began the window at 52 units; its filings record 6 unit openings and 14 closures, ending at 24 units. Its parent company is Cosi Franchise Holdings LLC.
No franchise-related lawsuits reported in the disclosure data we hold (FDD Item 3, as of 2026-05) — an absence in our sources, not a guarantee; confirm against the brand's current FDD.
From the franchisor's materials
This disclosure document provides information regarding the operation of a fast-casual restaurant offering a menu specializing in our signature flatbread, made-to-order sandwiches, freshly-tossed salads, fresh soups, Cosi Melts, flatbread pizzas, bowls, bagels and/or bagels/Squagels, breakfast wraps, oatmeal, breakfast parfaits and other breakfast items, snacks and desserts, gourmet coffee and handcrafted beverages, and other food and beverage items, under the tradename "Cosi ". A "Cosi" restaurant operates using our proprietary recipes, formulae, and techniques, trade dress, and trademarks and logos. This disclosure document provides information regarding the operation of a fast-casual restaurant offering a menu specializing in our signature flatbread, made-to-order sandwiches, freshly-tossed salads, fresh soups, Cosi Melts, flatbread pizzas, bowls, bagels and/or bagels/Squagels, breakfast wraps, oatmeal, breakfast parfaits and other breakfast items, snacks and desserts, gourmet coffee and handcrafted beverages, and other food and beverage items, under the tradename "Cosi ". A "Cosi" restaurant operates using our proprietary recipes, formulae, and techniques, trade dress, and trademarks and logos.
Cosi franchise: quick answers
- How much does a Cosi franchise cost?
- $466,500 – $946,900 all-in to open, per Cosi's franchise disclosure filings (data as of 2026-05).
- How many Cosi units are there?
- 24 units at the end of 2015 (FDD Item 20-style unit history).
- How have Cosi's units held up?
- 83% of units at risk between 2013 and 2015 did not close, per our metric recomputed from FDD Item 20-style unit history (methodology published on our verification page).