Family Financial Centers
Bottom line
- Total investment $154K – $309K including a $41K franchise fee.
- Average unit revenue of $262K/year (median $153K).
- Rated MODERATE with a risk score of 64/100. SBA loan default rate of 0.0% across 2 loans (below the industry average).
- Auditor disclosed a going-concern note — flagged doubt about the franchisor's ability to continue operations. Verify against the latest FDD.
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 Family Financial Centers unit return on the cash you put in?
Unlevered ROIC · per unit
16%
Below typical band (30–60%)
Levered LBO scenario · Yale Crease Capital framing
What would 25 Family Financial Centers units return on equity?
Equity IRR · 5-yr
49.9%
7.57× MOIC
Year-1 DSCR
1.88×
EBITDA ÷ debt service
Equity required
$419K
on $2.1M purchase
Total debt
$1.7M
SBA $1.0M + senior + seller note
Overview
About
Family Financial Centers franchisees operate retail check-cashing and debit card services, plus ancillary financial products like loans and "Gold" membership services. Day-to-day operations include processing customer transactions, managing compliance with financial regulations, handling cash inventory, and marketing services to underbanked demographics in their protected territories.
Item 7 · what it costs
The Vitals
Item 19
Financial Performance
Item 20 · unit dynamics
The Growth Chart
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 10 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.
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Declining franchise system in a commoditized, heavily regulated industry with undisclosed profitability and complex, tiered royalty structure creates moderate-to-high investment risk.
Score breakdown · what drove the 64 / 100 rating
- 01MINORSystem declining 5.5% YoY with only 52 units—suggests market headwinds or franchisee dissatisfaction
- 02MEDNet income not disclosed in Item 19—impossible to validate true profitability claims against $261,757 average revenue
- 03MINORComplex royalty structure with multiple tiers (fixed + percentage of checks cashed + fee-based) creates unpredictable monthly obligations and potential disputes
- 04MINORAverage revenue of $261,757 leaves minimal margin if royalties consume 5-10% and overhead is high in financial services
- 05MINORCheck cashing and payday lending face regulatory headwinds, consumer backlash, and digitalization pressures from banking competitors
- 06MINOR15-year term is lengthy for a declining niche business without demonstrated path to unit growth
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
50 numbers
One-time purchase · CSV download · Validation questions included
FDD download
Family Financial Centers · FDD (2025) PDF