Zoup's four company-owned stores haven't hit 50 workers yet. When that happens, Simtob said he'll cut hours for the full-time workers to avoid the penalty.
"I have to do this if I want to stay in business" said Simtob.
Taxes are top of mind for him, too. "If my taxes go up, it means less money for me to invest in growing the business," he said.
Still, Simtob is hopeful that, under Obama, existing credit programs such as the Small Business Administration's 7(a) loans for franchisees, will continue.
"On their own, banks are very afraid to loan money to a franchisee," said Simtob. "We depend on these government-based loans to help franchisees get access to bank loans so that they can buy and run our Zoup restaurants."