DecimalFranchise Cost, Revenue & Review 2026
Data from FDD filing
FranchiseVerdict summary · 2026
A Decimal franchise requires a total initial investment of $46K – $1.1M, including a $30K franchise fee and an ongoing 10.0% royalty[2]. The 2025 FDD does not disclose unit-level revenue (no Item 19). Verdict grade: C. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $46K – $1.1M
- 18th pct Financial Ser…
- Avg gross sales
- N/A
- 30th pct Financial Ser…
- Royalty
- 10.0%
- 9th pct Financial Ser…
- Units
- 1
- 0th pct Financial Ser…
- SBA default
- N/A
Quick verdict · Financial Services · color = vs category peers
Green = >15% above Financial Services avg · No shading = within ±15% · Red = >15% below avg · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Started franchising in 2025. Newer systems carry more uncertainty but may offer better territories.
The franchisor's auditor raised doubt about continued operations. This is a serious risk signal.
Bottom line
- Total investment $46K – $1.1M including a $30K franchise fee, 10.0% ongoing royalty.
- No Item 19 financial performance data disclosed. The franchisor chose not to publish revenue figures.
- Verdict C (Average) with a risk score of 65/100.
- Auditor disclosed a going-concern note, which flagged doubt about the franchisor's ability to continue operations. Verify against the latest FDD.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- Decimal Franchising, LLC
- Parent company
- Decimal Technologies, Inc. (“DTI”)
- CEO title
- Chief Executive Officer and Director
- Matt Tait
- Incorporated in
- DE
- HQ
- 7951 Westfield Blvd., Indianapolis, Indiana 46240
- Auditor
- BeachFleischman PLLC
- Audited financials
- Management churn noted
- Frequent turnover
- Item 2 disclosed frequent executive changes
- ⚠ Going-concern note
- Disclosed in FDD 2025
- Auditor flagged doubt about continued operations. Verify against the latest FDD before deciding.
Overview
About
Franchisees operate professional accounting and advisory service firms, generating revenue through tax preparation, bookkeeping, financial consulting, and business advisory services. Daily operations involve client relationship management, technical accounting work, regulatory compliance, and service delivery across both accounting and advisory service lines.
- CEO
- Matt Tait
- Headquarters
- IN
- Founded
- 2025
- FDD year
- 2025
- States available
- 1
FDD Item 7 · 2025 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $30K | $30K |
| Working capital (3–6 mo) | $10K | $15K |
| Equipment, build-out, other | $6K | $1.1M |
| Total initial investment | $46K | $1.1M |
Source: Decimal 2025 FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $46K – $1.1M
- Better than avg vs category
- Liquid capital req'd
- $10K – $15K
- Near category avg vs category
- Franchise fee
- $30K – $30K
- Better than avg vs category
- Royalty
- 10.0%
- percentage_of_gross · typical 6–8%
- Ad fund
- 2.0%
- typical 3–5%
- Total fee load
- 12.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 10.0% of gross sales |
| Marketing / ad fund | 2.0% of gross sales |
| Technology fee | $250 |
| Transfer fee | $23K |
| Renewal fee | $5K |
| Total fee load | 12.0% of rev |
Financial Performance
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
vs Financial Services averages
How Decimal Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 1
- Opened
- 0
- Last reporting year
- Closed
- 0
- Turnover rate
- 0.0%
- Company-owned
- 1
- Corporate units in the system
- % franchised
- 0%
- vs corporate-owned
- Multi-unit owners
- 1.0%
3-year detail · Item 20
- Transfers (3yr)
- 0
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 15 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 contact records (FDD Item 20). Shows states with at least one current operator on file. Full state registration data (Item 12) will appear on a future FDD refresh.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
No SBA loan data available for this brand.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Early-stage accounting services franchise with single unit, no financial transparency, unprotected territory, and dual royalty structure creates high uncertainty around profitability and system viability.
Litigation (Item 3)
No litigation is required to be disclosed in Item 3.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · BeachFleischman PLLC⚠ Going-concern note flagged
Score breakdown · what drove the 65 / 100 rating
- 01MINOROnly 1 unit in system with unknown growth trajectory suggests brand is pre-revenue stage or contracting
- 02MINORNo average revenue or net income disclosure (Item 19) prevents realistic ROI assessment on $46k-$1.1M investment range
- 03MINORUnprotected territory creates direct competition risk and cannibalization potential with future franchisees
- 04MEDDual royalty structure (10% accounting + 5% advisory) on undisclosed revenue base makes profitability modeling impossible
- 05MINORExtreme investment range spread ($1M+ variance) indicates unclear unit economics or multiple business model variations
- 06MED10-year term with single unit and no disclosed system growth raises viability and franchisor commitment questions
Severity inferred from the FDD text · not a regulatory classification
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 10 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 2 |
| Territory type | Map boundaries and/or zip codes |
| Protected territory | No |
| Exclusive territoryℹ | No |
| Territory population | 100,000 |
| Online sales rightsℹ | Granted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Jury trial waiver | Yes |
| Governing law | Delaware |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation is required to be disclosed in Item 3.
Items 10, 11
Training & Operations
- Classroom training
- 56 hrs
- On-the-job training
- 28 hrs
- Training location
- On-site and corporate
- POS system
- Salesforce
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Salesforce
Item 20 · call current owners
Franchisee Contacts
16 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Decimal · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Decimal franchise?
The total investment to open a Decimal franchise ranges from $46K – $1.1M, with an initial franchise fee of $30K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Decimal franchise owners earn?
Decimal does not disclose average franchise owner earnings in their FDD Item 19. Not all franchisors are required to make financial performance representations. We recommend asking existing franchisees directly about their financial experience.
What is Decimal's franchise failure rate?
SBA 7(a) loan charge-off data is not available for Decimal (fewer than 10 loans on file). Charge-off rates are one way to gauge franchise risk, but not all franchise loans go through the SBA program. We recommend reviewing turnover and closure data in the FDD and speaking with current franchisees.
How many Decimal franchise locations are there?
As of their most recent FDD filing, Decimal has 1 total units in the United States, including 0 franchised units and 1 company-owned units.
Is Decimal a good franchise to buy?
FranchiseVerdict rates Decimal as a C-grade franchise with a risk score of 65 out of 100, based on our analysis of investment costs, revenue data, SBA loan performance, and growth trends. Our rating is based solely on publicly available FDD and government data; we recommend speaking with current franchisees before making any investment decision. This is not investment advice.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
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Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.