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Stillwater Insurance Services, Inc. - Independent Producer Agreement franchise — what the public record shows
We grade franchises on how honestly they disclose owner earnings. Here's what's publicly verifiable for Stillwater Insurance Services, Inc. - Independent Producer Agreement.
SBA loan eligible
✓ Yes
Public earnings disclosure
Not found
Our honesty grade
Pending FDD
What we could — and couldn't — verify
Stillwater Insurance Services, Inc. - Independent Producer Agreement is on the SBA Franchise Directory, so it's been reviewed as eligible for SBA 7(a) and 504 financing. That's a real plus — funding a purchase will be more straightforward.
We could not find a public FDD for Stillwater Insurance Services, Inc. - Independent Producer Agreement in any of the four states that publish them (California, Indiana, Minnesota, Wisconsin). Most likely it simply operates in states that don't require registration — common, and not itself a red flag. But it means you can't verify its earnings claims from public records. The burden is on you to get the document and read it critically.
Honest bottom line: we can't grade Stillwater Insurance Services, Inc. - Independent Producer Agreement's earnings honesty yet — there's no public FDD to grade. Any franchisor is legally required to give you their FDD; get it before you decide.
How to check Stillwater Insurance Services, Inc. - Independent Producer Agreement yourself
Request the FDD. By FTC law, Stillwater Insurance Services, Inc. - Independent Producer Agreement must give you the full document at least 14 days before you sign or pay anything.
Go straight to Item 19. If it's missing, they won't put owner earnings in writing — ask why. If it's there, check whether it's net or gross, and whether it cherry-picks top performers.
Read Item 20 for real closures and turnover, and Item 3 for litigation.
Have Stillwater Insurance Services, Inc. - Independent Producer Agreement's FDD? We'll grade it honestly — $149
Send the FDD you're legally entitled to and we'll reconstruct the real owner take-home, decode Item 19, and flag the clauses to negotiate — the same analysis we run on every graded brand.
Source: SBA Franchise Directory (Stillwater Insurance Services, Inc. - Independent Producer Agreement listed as SBA-eligible). FranchiseValidate is independent and not affiliated with Stillwater Insurance Services, Inc. - Independent Producer Agreement. No public FDD was located in CA/IN/MN/WI at the time of writing; verify against the current FDD before any decision.