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Veterans in Franchising

From Military

To Midas A Veteran Believes In Giving Back

Building A Future

With Franchising Franchising USA


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Maybe it's time to take control of your future. One way to accomplish that goal is to own a franchise. Let us help you – we provide a “Free” franchise matching service for Veterans.

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V eterans in F ranchisin g S upplement february 2 0 1 4 Our Veterans in Franchising special supplement has become a regular feature of Franchising USA. To share your story in the MARCH issue, please contact Jenn Dean, Business Development Manager Phone: 250-590-7116 Email:

Contents 62 Cover Story From Military to Midas 66 A Veteran Who Believes in Giving Back Gordon Logan, Sport Clips 69 Profile: Jared Gordley A Buyer’s Choice Home Inspections

72 VA Provides Clarity for Self-Employment Plans Including a Veteran Franchising Business Jim Mingey, Veteran Business Services 74

Franchise Expo South: VetFran Panel Houston TX VetFran

70 Signarama and Veterans: Build Future Together Jim Tatem, Signarama

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V e t er a ns i n Fr a nch isi ng


From Military to Midas Midas is committed to all of your auto repair needs, Midas is committed to earning customers’ trust by providing tire and automotive expertise, value, and responsiveness through quality service at competitive prices. In business since 1954, Midas began franchising in 1956 and today has over 2,100 franchisees throughout the U.S., Canada, and internationally. Looking to expand its golden touch into new territories, Midas is currently offering incentives for new developments and business conversions.

With more than 50 years of industry leadership, Midas is known for its capability to perform common automobile services, including brakes, tires, oil changes, and suspension. Along with its 97 percent brand name recognition, Midas is also ranked number one for Miscellaneous Repair & Maintenance Services in Entrepreneur’s 2014 Franchise 500, and number 25 overall. Proud to be a trusted, globally-recognized leader in the automotive industry, Midas is looking for motivated individuals to join its team and build long-term success. While no prior experience in the automotive, retail, or franchise industry is required, candidates must be dedicated to providing quality and value to every customer, every time. Midas franchisees enjoy the challenge of growing their own business through daily operations, shop optimization, hiring and training employees, and representing the brand in their communities through business associations, and sponsorships, and local charity outreach. Franchisees are also responsible for engaging with customers through the Midas CRM system to promote offers and provide service reminders.

“Helping franchisees succeed even before opening shop, Midas provides the tools necessary to excel.” Franchising USA

“It feels great to know we provide great service in an industry that doesn’t have the best reputation.”

Helping franchisees succeed even before opening shop, Midas provides the tools necessary to excel. Franchisees are introduced to the retail platform, brand advantages, and the skills required to become a thriving franchise when they attend the Midas training cente. Midas’ business management system assists franchisees with a variety of functions including invoicing, estimating, and inventory. Franchisees also receive support and guidance from Midas’ dedicated Training Team, Franchise Business Managers, Shop Operations Managers, Real Estate staff, and Construction/Project Managers. Qualified candidates can enter the franchise program by developing a new shop, purchasing an existing shop, converting their existing auto business, or purchasing a company-owned Midas location. As an incentive to shop owners who wish to convert their automotive shop to a Midas store, and qualifying Veterans of the U.S. Armed forces, Midas is waiving the initial franchise fee. The minimum capital required to purchase a Midas franchise is approximately $75,000 for an existing 6-bay shop and/ or up to $415K for a new 8-bay shop. The total estimated investment varies with the type of opportunity, geographical location, and site characteristics. A veteran of the military and Midas franchise owner, Diana Hoffman has been

a part of the Midas team for 32 years and proudly claims she has enjoyed every minute of it. Born and raised in Michigan, Hoffman grew up in a family of seven children. Her father, a mechanically-minded man, owned a snow mobile dealership where she worked throughout high school. Upon graduating, Hoffman spent three years in the military where she was enlisted in the automotive department and earned credits towards a degree in Accounting. Set on owning her own business after being discharged, Hoffman researched various opportunities; this is when she discovered Midas. “I chose Midas because of its reputation, longevity of being a franchise, and support system,” she said, then added, “I like the support and education that came with owning a franchise versus an independent business.” In 1982 Hoffman gained employment at the Killeen, Texas Midas shop as a bookkeeper for seven stores. After two years in this position she switched roles to be a service writer, and a year later was promoted to store manager of the Killeen location where she remained for seven years. The following three years Hoffman spent working for Salem Consulting Group as Director of Operations. Travelling throughout the U.S., Hoffman and her

team were responsible for consulting Midas franchises on employee procedures, record keeping, marketing, customer service, and overall operations. During this time she created and implemented guidelines for phone technique, parts and labor margins, sales follow up, and management, technician, and customer satisfaction procedures. Consulting over 70 Midas shops during her employment with Salem, Hoffman also personally trained the Midas International trainer for Australia, as well as Midas International personnel. In 1995 Hoffman returned to Texas to purchase Midas’ Killeen location. Undergoing franchise training, Hoffman achieved the highest score in history on the final exam and was awarded the Midas Triple Crown from Midas International. “By the time I went to training I had worked with Midas for nearly 10 years, and while I knew a lot about the business and how to run a shop, I didn’t have the franchise knowledge,” she explained. “The training covered everything from shop operations and products, to accounting

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V e t er a ns i n Fr a nch isi ng


“Midas is a great fit for veterans because of its exceptional support. ‘Similar to the military Midas offers an amazing diversity of knowledge to pull from.” principles and how to read a P&L statement and other necessary financial reports. The training was really helpful, and a lot of fun, too.” In 1996 Hoffman was deemed Midas Rookie of the year in both the Western Region and North America. Purchasing Midas’ Temple, Texas location in 1998, during her ten years as owner sales increased from an average of $280,000 per year to a high of $748,000. In 2000 Hoffman purchased land in Georgetown and built an eight-bay location. This location has received several awards from Midas International for customer retention and loyalty and has an excellent rating with the BBB. Selling the Killeen and Temple locations in 2009, Hoffman is now solely devoted to her Georgetown store. “Having over thirty years of experience with Midas and working in several positions, I understand what it takes to be successful in this business,” she said. “For over fifteen years I was managing three locations and averaging 22 employees. Now I’m a single store operator of a staff that has

ninety-five years combined automotive repair experience. I’m sure our combined experience, dedication to customer satisfaction, and desire to excel has contributed to our ongoing success,” she said.

questions that may arise. Pleased to build

Describing Midas as “the perfect fit,” Hoffman loves the family-feel of the franchise and resources available from the dealers association, a system that connects franchisees to dealers who can answer any

Hoffman believes Midas is a great fit

relationships with customers, “It feels

great to know we provide great service

in an industry that doesn’t have the best

reputation,” she said. “It’s good to know we’re an honest place to go.”

for veterans because of its exceptional

support. “Similar to the military Midas

offers an amazing diversity of knowledge to pull from,” she explained. Describing

the shift from military to Midas as a “good lateral move,” Hoffman said that while

the military offers support to do the job,

franchising provides a governing body to guide rather than dictate.

Essential to running a Midas franchise is

that it’s done so with honesty and integrity. “Midas dealers provide a great reputation around the country, and it’s an amazing

feeling to be a part of that,” Hoffman said, concluding, “Midas has provided me with a great life, I’ve spent a very happy 32 years with the Company.” For more information: Website:

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V e t er a ns i n Fr a nch isi ng

Gordon Logan, Founder & CEO, Sport Clips

A Veteran

Who Believes in Giving Back Sport Clips Haircuts has a mission as a company to provide active-duty military, veterans and their families support while they serve and beyond. As a veteran of the U.S. Air Force, I have a personal desire to give back to those who serve our country and work to do so by supporting veterans’ causes through Sport Clips by serving on the VFW Foundation Board, as a member of the International Franchise Association’s VetFran Committee, and as Chairman of the VetFran Mentor Program. To help veterans in their post-military career goals, we established the “Sport Clips Help A Hero Scholarship” program and accomplished the first step of that mission in January when we announced 43 scholarships we’ve funded for military veterans for the 2014 spring semester. Sport Clips franchised and company store locations across the nation raised over $500,000 in 2013 through our annual “Help A Hero” campaign, to fund phone calls home for service members overseas and in hospitals, and for the Veterans of

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“I have a personal desire to give back to those who serve our country and work to do so by supporting veterans’ causes.” Foreign Wars-administered scholarships.

Operation Uplink™ “Free Call Days,”

contribution, Sport Clips and the VFW

possible for deployed and hospitalized U.S.

Through this half-million dollar

expect to provide more than 60 additional scholarships for the fall 2014 semester for which service members can now apply

through April 30 at Since 2007, the Sport Clips’ Help A Hero campaign has supported the VFW’s

making more than two million calls home service members. This past year was our

first to expand the Help A Hero campaign to offer scholarships of up to $5,000 to

active-duty military and veterans who are pursuing an education at post-secondary institutions, including trade schools.

Donations to Help A Hero were collected in stores and at local fundraising events in the fall of 2013 with efforts culminating November 11, Veterans Day, on Sport Clips’ “Biggest Haircut Day of the Year.” Stores donated a dollar from every haircut service to the scholarship program, and sponsors John Paul Mitchell Systems and Nioxin each contributed $10,000 to the effort. Reading just one of our Help A Hero scholarship recipients’ thank you notes is all it takes to recognize the need for this type of support, and we were proud to have Seth Atchison, who served in the Navy, with us when we made our recent donation announcement. Seth is one of the Sport Clips Help A Hero Scholarship recipients

and is using it to pursue his M.D. degree at the University of Kansas Medical Center. Sport Clips continues to be a proud supporter of phone calls home through the VFW’s Operation Uplink, but we’re excited to be able to expand our focus to include scholarships, which will support our nation’s heroes and their families in the next chapter of their lives. Sport Clips serves as the Official Haircutter of the VFW, and our Help A Hero campaign is just one of the many ways we support active-duty military and veterans. As a company we brought on board a Veterans Affairs Officer, Matt Deputy, USAFR, who spent eight years on active duty and continues to serve as a reservist. In his position, Deputy plays

an integral role in supporting Sport Clips’ military-focused partnerships, such as those with the VFW, Wounded Warriors Family Support, Honor Flights for WWII veterans. Matt also serves as a liaison to veterans who are interested in Sport Clips as a franchise opportunity. Sport Clips sponsored Wounded Warriors Family Support and its show car that traveled throughout the U.S. in 2013 fundraising for two specially equipped “smart homes” for wounded veterans and their families. Sport Clips also sponsored Ageless Aviation Dreams Foundation’s “Texas Tour,” which provided WWII veterans, many of whom live in long-term care facilities, with a flight of a lifetime in a WWII era Stearman bi-plane some of

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V e t er a ns i n Fr a nch isi ng

Gordon Logan, Founder & CEO, Sport Clips

these veterans flew in their younger years. We have also supported the USO at Ft. Hood, The Patriot Foundation (assisting families of fallen Special Forces soldiers) and The Aleethia Foundation (dinners for Wounded Warriors and their families while undergoing rehab). Our team has been an Honor Flight Austin sponsor, which has enabled many WWII Veterans to visit Washington DC to see the monuments in their honor. We also sponsor Heroes Night Out, VFW Post 8587 and American Legion Post 174. In addition, in 2012, my family and I made a major commitment of one million dollars over 10 years to support Central Texas non-profits, specifically to support work with veterans and children. Along with Sport Clips’ military-friendly outreach, we also take care of our own

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“Sport Clips franchised and company store locations across the nation raised over $500,000 in 2013 through our annual “Help A Hero” campaign.” through the Wayne McGlone Memorial Relief Fund. Wayne, an Air Force veteran, was a much loved Sport Clips Area Developer who passed away unexpectedly in 2012. We established a fund in his memory to support Sport Clips team members in need of financial assistance due to unforeseen emergencies and tragedies. Some of our first recipients were stylists who, along with their families, lost their homes to the Moore, Oklahoma tornado last year. I flew C-130’s on active duty for several years in the and early 70s and flew in the reserves a couple of years after that. Many people didn’t appreciate the sacrifices made by our troops back then…when they

came home, they weren’t really treated all that well in many cases. So, as founder and CEO of the largest provider of men’s and boys’ hair care, it’s important to me and to our company culture to give back to our military and our veterans as a way of saying “thank you” to them for the sacrifices they’ve made on our behalf. Founder and CEO Gordon Logan is a pioneer of the unique sports-themed haircutting franchise, including the development of the Sport Clips AllStar haircutting systems, operating procedures, and marketing programs. For more information: Website:

Jared Gordley


“The military awarded me a great deal of organizational strength and instilled in me an ability to communicate effectively, which helps me now when meeting with prospective clients.” growing franchises, a home inspection business with nearly 200 franchisees across Canada and the U.S.

Former active duty Air Force Staff Sgt. Jared Gordley, 26, spent eight years serving his country, deploying twice — once in Iraq and another deployment at a classified location. Gordley started in the Air Force as a power generation technician in 2007, and continued to be responsible for various electrical systems, primarily generators, throughout his military career. Just recently, he found his small business calling. Gordley currently owns A Buyer’s Choice Home Inspections franchise in his Jacksonville hometown. He has teamed up with one of North America’s fastest

A Buyer’s Choice Home Inspections is a

certified Military Friendly Franchise and a great place for veterans, according to

After years of service, Gordley began considering which career path was meant for him.

Gordley, because a lot of the skills learned

“It was my wife who pointed out that most of my military time was spent using the same skills involved in home inspections,” Gordley said. “I always wanted to own my own business, so I started researching and doing my due diligence.”

military men and women are always

Gordley attributes his military experiences as foundations for guiding him toward business ownership and home inspections. During his first deployment, he worked in a unit called RED HORSE, an engineering unit in which he was able to do electrical work along with HVAC (heating, ventilation and air conditioning) maintenance and plumbing too. “Fortunately, I learned a lot during my service that has helped me as a home inspector,” Gordley adds. “Aside from all the practical hands-on experience, my role as a supervisor in the military provided me with leadership skills. The military awarded me a great deal of organizational strength and instilled in me an ability to communicate effectively, which helps me now when meeting with prospective clients.”

in the military are used during inspections. “For basic protocol or safety reasons, inspecting something,” Gordley said. “You

need an eye for the minute details, whether it is your bunk, gear or a vehicle.”

Gordley added that A Buyer’s Choice

offered him information, training and resources he “simply could not have

duplicated” on his own. “It’s a franchise, so there’s a proven method and support when you need it.”

The franchise offers a great military

discount, but that wasn’t the deciding

factor, Gordley said. He based his decision on the support A Buyer’s Choice offers,

what he found to be second to none in the home inspection industry.

In addition to growing his Jacksonville

home inspection company, Gordley is still

actively involved in Florida’s Air National Guard.

For more information: Website: Phone:(877) 377-8626 Email:

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V e t er a ns i n Fr a nch isi ng

Jim Tatem, President of Signarama, Inc.

Signarama and Veterans

Build Future Together Any franchisor will tell you that passion, discipline, leadership, and commitment to hard work are characteristics that define their strongest franchisees. They are also qualities found in those who have served in the military. That is why Signarama, the world’s largest full-service sign company, is so committed to providing opportunity and support for military veterans interested in owning their own Signarama franchise. “We try to target veterans as potential franchisee candidates,” says “JT” Jim Tatem, President of Signarama. “Veterans have already demonstrated the ability to follow a system and defined structure. They are used to working hard on a specific task or mission, and they come home with strong leadership skills and an exceptional sense of working as a team. These are all attributes that make for a successful franchise owner.” Tatem says Signarama has the utmost respect for veterans, valuing the dedication and service they have provided to their country. They know the sacrifices they’ve made and know that moving on from a military career is more complicated than simply putting on civilian clothes and finding a job.

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“We know that the same person who served their country will also work hard to serve their community and help local businesses to grow.” “It’s not just a matter of providing purchasing incentives,” he says. “We also provide extensive training and ongoing support. We know that the same person who served their country will also work hard to serve their community and help local businesses to grow. In return, we are dedicated to providing them with any and all support and training they need to help them succeed.”

“We have attended Recruit Military career fairs as a means to connect with transitioning veterans,” he continues, “and we worked closely with the International Franchise Association during their VetFran initiative by hosting a press conference in Washington D.C. last year. Through our website we also offer a custom discount program to help veterans open a new Signarama.”

Tatem emphasizes that franchisees need not know anything about signs to become a Signarama franchise owner. Signarama provides an extensive training program to new franchisees at their world headquarters in West Palm Beach, and then provides ongoing in-store support as locations open. There is also a structured mentor program to help owners in their first year of business.

Signarama’s VetFran program is structured to offer different discounts off their franchise fee based on the number of years veterans have spent in military service. Veterans who have served for less than 11 years receive a 10 percent discount, those who have served for 11-20 years receive a 24 percent discount and veterans who have served for 20 or more years receive a 50 percent discount.

“Veterans are particularly able to take what they learn in training and apply it successfully in the moment,” he says. “They also benefit greatly from the franchise ‘family’ they gain when they become a Signarama owner. Those who have served our country with heroism and honor are exactly the kind of people who make excellent franchisees.”

“As tens of thousands of service men and women return from deployment in Afghanistan and Southwest Asia, we need more opportunities to ensure that veterans and their families can transition into the civilian economy,” Tatem explains. “This has been especially important during the economic recovery, in which franchise ownership can provide a more stable career than the average job market. We want veterans to have access to a business opportunity they can maintain for the rest of their lives.”

Military Times has ranked Signarama, the world’s largest full-service sign company with nearly 900 locations in more than 50 countries, as one of the best franchises for vets. Tatem is particularly proud of this distinction and the veterans who are part of his company. “As of May 2013, we had 56 franchise owners who are veterans,” he says proudly. “But we don’t just have veteran owners; there are former military members represented at all levels of Signarama, from our executive team all the way down to the newest franchisees who have just entered the system.”

As part of the $30 billion-plus worldwide sign market, Signarama has been at the forefront of the sign industry for more than 20 years, providing cost-effective advertising and branding solutions for companies of all sizes. The franchise giant is a part of the United Franchise Group, a global leader consisting of award-winning business-to-business brands and franchise development services. Signarama has been ranked 53rd on

Jim Tatem

Franchise Direct’s Top 100 Global Franchises. This is the company’s third consecutive year on the list, which is a definitive and exclusive detailing of franchises that are performing best internationally. Tatem hopes the number of veterans he can also call Signarama owners continues to grow each year. “We believe our service men and women have already demonstrated passion, dedication and a depth of knowledge that brings real value to our system. That’s why we embrace the former soldiers, marines and sailors who have been part of our armed forces. We know they will be a great part of the Signarama team as well.” Signarama expects to open 100 more locations nationwide through the end of 2014 and have more than 1,200 locations worldwide by the end of 2016. “JT” Jim Tatum is the President of Signarama, Inc. and one of its first employees. In 1986 he ran the pilot Signarama store and was instrumental in creating and running Signarama’s franchisee training programs. He served as Director of Training and Support for 19 years before rising to the position of President. For more information: Website:

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V e t er a ns i n Fr a nch isi ng

Jim Mingey, Founder & Managing Director, VBS’

VA Provides Clarity for Self-Employment Plans Including A Veteran Franchise Business Jim Mingey

Late in 2013 the Veterans Administration (VA) issued revised procedures to clearly define when it is appropriate to authorize a self-employment plan, and what services should be included in the plan. Franchisees may be approved if they are endorsed as part of a viability analysis of a proposed selfemployment business plan for a Service Disabled Veteran (SDV). Before an SDV begins the new process he/she must determine whether they meet eligibility requirements. The biggest

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question is, “Are you within the time limit for receiving this benefit?” This is generally 12 years from the date the VA notified you that you had at least a 10 percent service-connected disability. You can apply online by filling out the application; it only takes about 15 minutes. If you qualify, be sure to tell your assigned counselor that you are interested in exploring the Vocational Rehabilitation and Employment (VR&E) Track 3 for “Self-Employment.” Some subsistence living expenses may be available during the self-employment business plan development period. Veteran Business Services (VBS) has devised a Franchise Accelerator which was approved by VR&E and is featured on the VA’s Portal for Veteran Franchise Opportunities. There are also other resources listed on the Portal to help explore the franchise industry. After you’re approved, the new VR&E policy and procedures will be applied. This includes attending an initial selfemployment orientation, a preliminary

self-employment evaluation, and then finally VR&E Category assignment, which affects the level of benefit you can receive. New Fast Track planning should greatly improve the process. What this can mean is that a Veteran who is deemed qualified for VR&E can explore potential resources available through VR&E for a franchise before developing complex business and financing plans necessary for his/her eventual business launch. However, the Fast Track plan for an SDV considering self-employment will include a future objective on the development and submission of a viable business plan. This objective would also require completion of an introductory course that helps determine if franchise self-employment is appropriate. A recent collaboration between the USO and Georgetown University would most likely satisfy the requirement for a franchise selfemployment plan. Click on the USO logo below for more information:

The new VR&E procedures were developed to assist a Vocational Rehabilitation Counselors (VRC) to determine if self-employment is truly feasible and what services are needed for the Veteran to be successful in starting his/her own business. In addition, the VRC must determine if the SDV qualifies for a Category I or Category II designation under the Program. Both Categories offer comprehensive training in the vocational goal and at least incidental training in the management of a small business. However, Category I offers more comprehensive training benefits and minimum stocks of materials such as an inventory or salable merchandise and even essential equipment, including machinery, occupational fixtures, accessories and appliances. If a

“A Veteran who is deemed qualified for VR&E can explore potential resources available through VR&E for a franchise before developing complex business and financing plans necessary for his/ her eventual business launch.” VRC determines that the training and/ or other rehabilitation services were reasonably needed to achieve the goals of the rehabilitation plan, then those costs can be subsidized up to $25,000 under Category II and as much as $100,000 or more under Category I. Before all the Service Disabled Veterans get too excited about these possibilities they must recognize that the VRE process, although improving, can be much more time consuming and complex than conventional resources. One reason for this is that VRE must examine more than typical financing and market factors to determine feasibility. Another reason is that provision of services is based on category assignment and that VR&E must not be considered the sole source in establishing a business. In addition, before any final decision, it is imperative that the VRC have a clear understanding of the Veterans’ motivation, functional ability and interest, as self-employment is one of the most demanding tracks to employment. On the other hand the effort may be especially worthwhile to the SDV as any monies provided under the Program could be counted as equity when seeking conventional debt financing. If a franchise candidate can show that some of his/her equipment costs are already covered, the likelihood of feasibility increases. Many franchisors seek Veterans due to their discipline and commitment characteristics but can’t close the deal due to a shortage of equity contribution by the Veteran. Operating a franchise could be much more challenging than simply obtaining and maintaining employment in a traditional setting. Accordingly, it is the responsibility of the VRC to assist the Veteran to make an informed decision regarding self-

employment as an appropriate career track. Typical demands and challenges associated with pursuing self employment include developing a viable business plan. Obtaining funding, etc. Just as importantly is the VRC’s responsibility to help guide the Veteran to balance the personal disability challenges particular to their individual circumstances. Nevertheless, all VRCs are committed to work closely with a SDV to foster an open line of communication to access internal VA resources which would help make any business successful. VBS’ Founder and Managing Director, Jim Mingey, is a decorated Vietnam veteran raised from a proud military background. An entrepreneur for more than 35 years, Jim can relate on a personal level to the needs of the veteran small businessperson, and possesses the practical knowledge to implement his experience in today’s market. Jim participated in the EBV Program at Purdue University, is a mentor at American Corporate Partners, developed the first approved franchise training program for the Vocational Rehabilitation and Employment (VR&E) Program at Veterans Administration, and was instrumental in forming the first equity fund in the United States exclusively for veteran owned small businesses and franchises: The Veterans Opportunity Fund. Jim intends to keep on ‘advocating’ for veterans in franchising. For more information: Email: jmingey@ Phone: 202.349.0860

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Franchise EXPO South VetFran Panel Houston TX All Veterans and military spouses are invited to attend the FREE VetFran Panel at Franchise EXPO South in Houston TX February 8, 2014. Location: Reliant Center, Room 305 Houston TX Date: Saturday February 8, 2014

The panel will be one hour with four panelists. There will be two Veteran franchisees, one financial expert, and one franchisor on the panel. We urge our panelists to put

themselves in the audience’s shoes and remember what it was like to be in the learning

stage. Some of the topics that will be discussed are: How did VetFran help them? Why did they select the franchise business they did? What would they like to have known

before they started their business? How did their military background prepare them to be a franchisee? What barriers did they have, and how did they overcome them?

Time: 10:00 AM – 11 AM

Moderator: Joe Lindenmayer, Marine Veteran, VetFran Chairman and President/COO,

Click Here and Enter FREE PROMO Code: VETGP


TSS Photography

Corey Bullock, Franchisee and Navy veteran, Kiddie Academy Anthony Waller, Franchisee and Army veteran, Liberty Tax Service Dallas Kerley , Chief Development Officer, Benetrends, Inc Scott Mellon , Vice President of Sales, Papa Murphy’s International

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Franchising USA- Veterans Supplement- February 2014  
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