Focus CFOFranchise Cost, Revenue & Review 2026
Data from FDD filing
FranchiseVerdict summary · 2026
A Focus CFO franchise requires a total initial investment of $29K – $57K, including a $28K franchise fee. The 2024 FDD does not disclose unit-level revenue (no Item 19). Verdict grade: A. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2024 FDD issuance
Overview
- Investment
- $29K – $57K
- 6th pct Business Serv…
- Avg gross sales
- N/A
- 29th pct Business Serv…
- Royalty
- N/A
- Units
- 126
- 42nd pct Business Serv…
- SBA default
- N/A
Quick verdict · Business Services · color = vs category peers
Green = >15% above Business 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
The system grew 20% year-over-year. Fast growth means demand, but can strain support.
Bottom line
- Total investment $29K – $57K including a $28K franchise fee.
- No Item 19 financial performance data disclosed. The franchisor chose not to publish revenue figures.
- Verdict A (Top Quintile) with a risk score of 48/100.
- System growing at 37.0% CAGR over 3 years with 126 total units. Strong expansion trajectory.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- Focus CFO Group, LLC
- Parent company
- Focus CFO Holdings, LLC
- Incorporated in
- OH
- HQ
- 575 Charring Cross Drive, Suite 102, Westerville, Ohio 43081
- Auditor
- BHM CPA Group, Inc.
- Audited financials
- Franchisor revenue
- $20.6M
- vs $16.5M prior year
Overview
About
Focus CFO franchisees provide virtual fractional CFO and accounting services to small and mid-market businesses. Franchisees serve as client advisors, managing financial strategy, bookkeeping oversight, and reporting—typically operating as remote service providers with minimal physical infrastructure. The model emphasizes recurring revenue through client retention and service expansion.
- CEO
- David L. Tramontana
- Headquarters
- OH
- Founded
- 2018
- FDD year
- 2024
- States available
- 11
FDD Item 7 · 2024 filing · 5 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Fee | $28K | $28K | |
| Real Estate and Improvements | $0 | $4K | |
| Office Equipment/General Business Expenses | $0 | $15K | |
| Additional Training | $0 | $5K | |
| Additional Funds - 3 Months | $1K | $5K | |
| Total initial investment | $29K | $57K |
Line items extracted from FDD Item 7. Ranges reflect the franchisor's stated low and high per line. Total is the sum of line-item lows / highs — actual costs may fall outside this range depending on market and build-out scope.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $29K – $57K
- Better than avg vs category
- Liquid capital req'd
- $1K – $5K
- Better than avg vs category
- Franchise fee
- $28K – $28K
- Better than avg vs category
- Royalty
- None
- Ad fund
- -n/d
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Technology fee | $630 |
| Renewal fee | $0 |
Financial Performance
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
vs Business Services averages
How Focus CFO Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 126
- Opened
- 11
- Last reporting year
- Closed
- 0
- Turnover rate
- 0.0%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (yr3)
- +20.0%
- Net unit change last year
- 3-yr CAGR
- +37.0%
- Compounded over last 3 years
3-year detail · Item 20
- Closed (3yr)
- 8
- Terminated (3yr)
- 2
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 0
- Reacquired (3yr)
- 0
- Franchisor bought back
- Termination rate
- 2.4%
- Franchisor-initiated terminations
- Ceased ops
- 9.8%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 16 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
Focus CFO presents moderate-to-caution risk due to absent financial disclosures, unprotected territories, litigation history, and unclear unit economics relative to initial investment.
Litigation (Item 3)
1 case reference(s): 0 pending, 2 settled.
Largest disclosed settlement: $62,500
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · BHM CPA Group, Inc.
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: No
- Must buy proprietary products: No
- Restricted to system-approved products: Yes
Score breakdown · what drove the 48 / 100 rating
- 01MINORNo financial disclosure (Item 19) prevents ROI validation on $29K-$57K investment
- 02MINORUnprotected territory creates direct competition risk within franchise system
- 03HIGHLitigation history (2023 breach of contract suit) signals potential franchisor-franchisee disputes
- 04MINOR20% YoY unit growth is modest for a service franchise and may indicate market saturation or franchisee churn
- 05MINORRoyalty-free model removes franchisor accountability for ongoing support quality
- 06HIGHNo going concern issues noted, but lack of revenue/profit disclosure raises transparency concerns
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 |
|---|---|
| Territory type | Radius |
| Protected territory | No |
| Online sales rights | Granted |
| Franchisor can compete | Yes |
| Hire a manager? | Not allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | No |
| Termination notice | 60 days |
| Termination groundsℹ | 1 |
| Mandatory arbitration | Yes |
| Jury trial waiver | Yes |
| Governing law | Ohio |
| Litigation count | 1 |
View Item 3 litigation summary
1 case reference(s): 0 pending, 2 settled.
Items 10, 11
Training & Operations
- Classroom training
- 192 hrs
- On-the-job training
- 0 hrs
- Training location
- On-site and corporate
- Site selection
- franchisee
- POS system
- Microsoft O365
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Microsoft O365
Item 20 · call current owners
Franchisee Contacts
25 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Focus CFO · FDD (2024) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Focus CFO franchise?
The total investment to open a Focus CFO franchise ranges from $29K – $57K, with an initial franchise fee of $28K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Focus CFO franchise owners earn?
Focus CFO 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 Focus CFO's franchise failure rate?
SBA 7(a) loan charge-off data is not available for Focus CFO (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 Focus CFO franchise locations are there?
As of their most recent FDD filing, Focus CFO has 126 total units in the United States, including 92 franchised units and 0 company-owned units. 11 new units were opened in the latest reporting year.
Is Focus CFO a good franchise to buy?
FranchiseVerdict rates Focus CFO as a A-grade franchise with a risk score of 48 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.
For franchisors
Are you the franchisor?
If you represent Focus CFO, you can request corrections or provide updated information.
Claim this brandOther Business Services franchises
Compare similar franchise opportunities in the Business Services category
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.