Money MailerFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A Money Mailer franchise requires a total initial investment of $65K – $76K, including a $60K franchise fee. Per the 2025 FDD, average unit revenue was $686K[2]. SBA 7(a) loans show a 14.9% charge-off rate across 60 loans[1]. Verdict grade: D. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $65K – $76K
- 16th pct Business Serv…
- Avg gross sales
- $686K
- 14th pct Business Serv…
- Royalty
- N/A
- Units
- 131
- 43rd pct Business Serv…
- SBA default
- 14.9%
- system-wide median varies by category
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
Each dollar invested generates 9.7x in gross revenue, well above the typical 1.5-2.5x range.
Started franchising in 2023. Newer systems carry more uncertainty but may offer better territories.
Franchised units fell from 34 to 26 over 3 years. Investigate why operators are leaving.
Bottom line
- Total investment $65K – $76K including a $60K franchise fee.
- Average unit revenue of $686K/year (median $649K). Estimated payback in 0.4 years (based on Gross Margin). Note: this is gross profit, not take-home income.
- Verdict D (Below Average) with a risk score of 72/100. SBA loan charge-off rate of 14.9% across 60 loans (above the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2024).
- System contracting at -23.5% CAGR over 3 years. Investigate whether closures are franchisor-driven (consolidation) or franchisee-driven (economics).
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- MONEY MAILER, LLC
- Parent company
- JAL Equity Corp.
- Incorporated in
- MO
- HQ
- 101 Workman Ct., Eureka, Missouri 63025-1079
- Auditor
- Armanino LLP
- Audited financials
- Franchisor revenue
- $31.5M
- Most recent fiscal year
Overview
About
Money Mailer franchisees operate direct mail marketing businesses, selling targeted mailing services to local small businesses (restaurants, retail, services). Day-to-day involves sales prospecting, managing client databases, coordinating with printers/postal services, and fulfilling shared mailings across their assigned zone at capped royalty rates.
- CEO
- Tom Baber
- Headquarters
- MO
- Founded
- 2023
- FDD year
- 2025
- States available
- 7
FDD Item 7 · 2025 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $60K | $60K |
| Working capital (3–6 mo) | $1K | $5K |
| Equipment, build-out, other | $4K | $11K |
| Total initial investment | $65K | $76K |
Source: Money Mailer 2025 FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
Single-unit · estimated
Returns at a glance
Indicative numbers using FDD Item 7 / Item 19 inputs and category-benchmarked cost ratios. Full single-unit, 25-unit portfolio, and LBO models (with every input editable to stress-test your own scenario) live on the financials page.
Store EBITDA · annual
$113K
16.5% margin
Unlevered ROIC
154%
EBITDA / total invested capital
Payback
8 mo
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $65K – $76K
- Better than avg vs category
- Liquid capital req'd
- $1K – $5K
- Better than avg vs category
- Franchise fee
- $60K – $60K
- Near category avg vs category
- Royalty
- max $350 per zone per shared mailing
- Ad fund
- 0.5%
- typical 3–5%
- Total fee load
- 0.5%
- vs 9–13% typical
- Payback period
- 0.4 yrs
- From FDD / Item 19
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Marketing / ad fund | 0.5% of gross sales |
| Technology fee | $140 |
| Transfer fee | $18K |
| Renewal fee | $0 |
| Total fee load | 0.5% of rev |
A 0.5% total fee load is unusually lean. More of each revenue dollar stays with the franchisee.
Financial Performance
- Avg gross sales
- $686K
- Per unit, per year
- Median gross sales
- $649K
- Avg gross margin
- $179K
- Reported as Gross Margin in FDD Item 19
- Item 19 type
- gross_sales
- Sample size
- 23 units
- vs category median 32
- Range (low → high)
- $240K→$1.7M
- Cohort dispersion (min → max)
- Transparency
- 7 / 5
- vs category median 3 / 5 · above
Compared against 360 Business Services brands
Revenue is 9.7x the investment midpoint. At typical franchise margins, this suggests a payback under 3 years.
vs Business Services averages
How Money Mailer Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 131
- Opened
- 1
- Last reporting year
- Closed
- 6
- Turnover rate
- 4.6%
- Company-owned
- 105
- Corporate units in the system
- % franchised
- 20%
- vs corporate-owned
- Net growth (yr3)
- -18.8%
- Net unit change last year
- 3-yr CAGR
- -23.5%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 0
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 9 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.
A system losing more than 10% of its units year-over-year is a red flag. Check whether closures are concentrated in specific regions.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 60
- Loan volume
- $7.1M
- Median loan
- $60K
- 50th percentile
- Charge-off rate
- 14.9%
- rates vary by category · see methodology
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- 85.1%
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 41
- Defaults
- 7
Vintage analysis
Money Mailer charge-off rate by loan vintage
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into Money Mailer's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 10 lenders with concentration factor
- Per-state charge-off rates across 15 states
- Startup risk premium and job creation velocity
- 16-year lending trend
- SBA 504 real estate/equipment data
Instant access. No subscription.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Contracting system with litigation history, no territory protection, questionable going concern status, and unverified financial claims present material risks for franchisee profitability.
Audited financials (Item 21)
Yes · Armanino LLP
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Score breakdown · what drove the 72 / 100 rating
- 01MINORSystem declining sharply: -18.8% unit contraction YoY (131 units) indicates franchisee dissatisfaction or market saturation
- 02HIGHGoing Concern status is FALSE — suggests financial viability questions at corporate level
- 03HIGHLitigation history: $1M+ breach of contract dispute in 2021-2022 with fraud/deceit counterclaims raises franchisor-franchisee relationship concerns
- 04MINORNo territory protection — direct competition from other Money Mailer franchisees in same zone; capped royalty ($350/zone) suggests thin margins
- 05MINORNet income of $179K on $686K revenue (26% margin) may not justify $64.6K initial investment + ongoing royalties, especially in declining market
- 06MINORItem 19 (Financial Performance Representation) not provided — cannot validate average revenue/income claims or franchisee profitability distribution
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 | 10 years |
| Territory type | Geographical area |
| Protected territory | No |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Not allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Jury trial waiver | Yes |
| Governing law | Missouri |
| Litigation count | 1 |
Items 10, 11
Training & Operations
- Classroom training
- 48 hrs
- On-the-job training
- 32 hrs
- POS system
- Money Mailer Online (MMO)
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Money Mailer Online (MMO)
Item 20 · call current owners
Franchisee Contacts
31 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Money Mailer · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Money Mailer franchise?
The total investment to open a Money Mailer franchise ranges from $65K – $76K, with an initial franchise fee of $60K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Money Mailer franchise owners earn?
According to Item 19 of the Money Mailer FDD, the average gross sales per unit is $686K. The median is $649K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is Money Mailer's franchise failure rate?
Based on SBA 7(a) loan data, Money Mailer has a charge-off rate of 14.9% across 60 loans, meaning 14.9% of franchise loans were charged off. Charge-off rates are one proxy for franchise risk, though they do not capture all closures. This data comes from FOIA-sourced SBA lending records.
How many Money Mailer franchise locations are there?
As of their most recent FDD filing, Money Mailer has 131 total units in the United States, including 34 franchised units and 105 company-owned units. 1 new units were opened in the latest reporting year.
Is Money Mailer a good franchise to buy?
FranchiseVerdict rates Money Mailer as a D-grade franchise with a risk score of 72 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.