Bottom line
- Total investment $108K – $299K including a $50K franchise fee, 9.0% ongoing royalty.
- No Item 19 financial performance data disclosed — the franchisor chose not to publish revenue figures.
- Rated MODERATE with a risk score of 62/100.
- No Item 19 financial performance representation. Without franchisor-disclosed revenue data, you'll need to gather unit economics directly from existing franchisees.
Item 1 · who you're contracting with
The Franchisor
Yale framework · single-unit ROIC
Returns Analysis
Pulls Item 7 (investment) and Item 19 (revenue) from this brand's FDD into the Yale unlevered-ROIC formula. Override any input to stress-test it against your own assumptions.
The model · Yale framework
What would one COMMISSION EXPRESS unit return on the cash you put in?
Unlevered ROIC · per unit
44%
In Yale's "attractive" band (30–60%)
Overview
About
Commission Express franchisees operate as independent sales commission processors or financial services intermediaries. Day-to-day operations likely involve managing client accounts, processing transactions, handling customer inquiries, and maintaining administrative compliance. This appears to be a service-based business model reliant on recurring client relationships and transaction volume.
Item 7 · what it costs
The Vitals
Item 19
Financial Performance
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
Item 20 · unit dynamics
The Growth Chart
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 19 states with active franchisees
The Territory Map
Derived from franchisee contact records. Shows states with at least one current operator — not where the franchisor is registered to sell new units (that data is re-extracting in a future refresh).
States derived from franchisee phone area codes (Item 20). Approximate — ported numbers may show the original state, not the franchisee's current location.
Government records
SBA Loan Data
Aggregated from SBA 7(a) loan disclosures, public data unique to FranchiseVerdict.
No SBA loan data available for this brand.
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Shrinking unit base, missing financial disclosure, and declining royalty tiers indicate a maturing franchise in contraction with insufficient transparency for ROI validation.
Score breakdown · what drove the 62 / 100 rating
- 01MEDUnit count declined 5.1% YoY (38 units) — shrinking franchise system indicates market saturation or franchisee dissatisfaction
- 02MEDNo average revenue or net income disclosed in FDD Item 19 — impossible to validate ROI or payback period on $107,800–$299,300 investment
- 03MINORDeclining tiered royalty structure (9% down to 1%) suggests franchisor relies on volume incentives rather than proven unit profitability
- 04HIGHGoing Concern flag = False but paired with unit contraction raises sustainability questions about franchisor financial health
- 05MINOR10-year term with $50,000 upfront fee locks franchisee into relationship with shrinking brand
Severity inferred from the FDD text · not a regulatory classification
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
Item 11
Training & Operations
Item 20
Franchisee Contacts
Phone numbers extracted directly from this brand's FDD Item 20. After purchase, you'll also receive a list of validation questions tailored to this brand.
Franchisee contacts
27 numbers
One-time purchase · CSV download · Validation questions included
FDD download
COMMISSION EXPRESS · FDD (2025) PDF