Franchise Facts Report → brands → Co/LAB Lending
Co/LAB Lending franchise — is it worth it?
Risk level — in the report
Co/LAB Lending is a financial services franchise with an initial investment ranging from $54,750 to $114,100.
Unlock what the free page above only hints at:
- Risk & red-flag breakdown — what the missing earnings, fees and churn imply.
- How it compares — every number ranked against financial services peers (median & quartile).
- Litigation detail — each case, franchisee vs. corporate, with summaries.
- Outlet churn & the questions to ask — closures, terminations, transfers, and what to put to the franchisor.
Figures above are as disclosed in Co/LAB Lending's most recent FDD (registered 2025). Source: California Dept. of Financial Protection and Innovation — Franchise Registration · filing app-33378. The risk level, the Item 19 figures, how it compares to peers, and the litigation & churn detail are in the full report.
Co/LAB Lending franchise profit — what the FDD discloses
Plainly: Co/LAB Lending does not disclose franchise profit or revenue. Its most recent FDD makes no Item 19 financial performance representation, so there is no franchisor-backed earnings figure for Co/LAB Lending — any number quoted elsewhere is an estimate, not a disclosure. The absence is itself worth weighing (many financial services franchisors do disclose), and the full report reads the risk signals Co/LAB Lending's FDD does contain — fees, litigation, and outlet churn — against peers. For brands that put earnings on paper, see Financial services franchises with disclosed Item 19 earnings.
Co/LAB Lending lawsuits & legal history (FDD Item 3)
Co/LAB Lending's most recently filed Franchise Disclosure Document (2025) discloses no litigation in Item 3. That is a real signal rather than a gap: the FTC Franchise Rule requires a franchisor to disclose material litigation involving itself, its predecessors, parents, affiliates and management, so an empty Item 3 in a current filing means there was nothing it was required to report. It is worth reading alongside the churn numbers — a system can have a clean Item 3 and still be losing franchisees, which is what Item 20 shows.
Co/LAB Lending closures & failure rate
Before you sign, Co/LAB Lending will hand you a list of current owners to call as references — and they choose who's on that list. It won't include the owners who quit, got bought out, or were forced out last year. The FDD does report that number, even though the reference list leaves those people off. Below is what Co/LAB Lending's most recent filing shows, and whether it's normal for a financial services of this kind.
The closest thing an FDD has to a failure rate is Item 20 — outlet openings, closures, terminations and non-renewals, reported by the franchisor. Co/LAB Lending reports no franchised units open yet — there is no operating track record to churn. The actual closure and termination counts, and how Co/LAB Lending's churn ranks against financial services peers, are in the full report.
The risk & red-flag breakdown, every figure ranked against financial services peers, litigation and churn detail — emailed as a PDF.
Who owns Co/LAB Lending?
Co/LAB Lending's franchise is offered by Marsh and Munar Team, LLC — the franchisor named on the cover of its most recently filed Franchise Disclosure Document (2025), and the entity a franchisee actually signs with. That name comes straight off the filing at CA DFPI; it identifies the franchisor, not necessarily the ultimate parent company behind it.
Financial services franchises at a similar investment level
Anyone weighing Co/LAB Lending is really weighing it against the other brands their money could go into. These are the closest by total initial investment (FDD Item 7), each with its own FDD-based page.
Co/LAB Lending franchise — frequently asked
Who owns Co/LAB Lending — who is the franchisor?
Co/LAB Lending's most recently filed FDD (2025) names Marsh and Munar Team, LLC as the franchisor — the entity you would actually sign the franchise agreement with, as stated on the disclosure document itself. A registry filing names the franchisor, not necessarily its ultimate parent company.
How much does a Co/LAB Lending franchise cost?
Co/LAB Lending's most recently filed FDD (Item 7) puts the total estimated initial investment at $54,750 – $114,100, with an initial franchise fee of $30,000 and a 6% royalty. That price is the franchisor's own estimate of what it takes to open, not a quote. The full report breaks down every fee line and benchmarks it against financial services peers.
How much profit does a Co/LAB Lending franchise make?
Co/LAB Lending makes no Item 19 financial performance representation, so there is no franchisor-disclosed revenue or profit figure for Co/LAB Lending at all — and profit would never be disclosed even where earnings are, because it depends on your rent, labour and how you operate. Any profit figure quoted elsewhere is an estimate, not a disclosure.
Does Co/LAB Lending disclose financial performance (Item 19)?
No — Co/LAB Lending's most recent FDD makes no Item 19 financial performance representation. Its absence is worth weighing; the report focuses on the verifiable risk signals instead.
Are there lawsuits against Co/LAB Lending?
No — Co/LAB Lending's most recently filed FDD (2025) discloses no litigation in Item 3. Franchisors must disclose material litigation involving themselves, their predecessors, parents, affiliates and management, so an empty Item 3 is a genuine signal rather than an omission.
Is Co/LAB Lending a good franchise to buy?
That comes down to how Co/LAB Lending's investment, earnings, litigation and franchisee churn stack up against financial services peers — which is exactly what the full report answers. For $99 you get the risk level and what's driving it, the actual Item 19 earnings (absent from this FDD), where every figure ranks against peers, and the specific questions to ask the franchisor before you sign.
Everything the sections above point to, in one place: Co/LAB Lending's risk level and what's driving it, what the missing Item 19 earnings imply, every figure ranked against financial services peers, and the litigation & churn detail — with the questions to put to the franchisor before you sign.
Get a free email when something changes on Co/LAB Lending or financial services: a new FDD registration, a new lawsuit, an outlet count that shifts, or Item 19 earnings going from undisclosed to disclosed. Pulled straight from the same registries every report is built on.