Money Pages
Bottom line
- Total investment $109K – $259K including a $50K franchise fee.
- No Item 19 financial performance data disclosed — the franchisor chose not to publish revenue figures.
- Rated CAUTION with a risk score of 71/100. SBA loan default rate of 0.0% across 4 loans (below the industry average).
- System contracting at -13.3% CAGR over 3 years. Investigate whether closures are franchisor-driven (consolidation) or franchisee-driven (economics).
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 Money Pages unit return on the cash you put in?
Unlevered ROIC · per unit
17%
Below typical band (30–60%)
Overview
About
Money Pages franchisees operate as local magazine publishers/distributors, producing monthly personal finance and lifestyle publications for their protected territory. Franchisees manage content curation, advertising sales, printing coordination, and local distribution to build a subscriber base and advertising revenue.
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.
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Money Pages presents HIGH RISK due to a contracting franchise system (28 units, -7.1% decline), unresolved going concern status, complete absence of financial performance disclosures, and a fixed $36k annual royalty structure with unknown revenue potential.
Score breakdown · what drove the 71 / 100 rating
- 01MEDUnit count declined 7.1% YoY (28 units is critically small system size)
- 02HIGHGoing Concern status is FALSE — indicates franchisor financial distress or viability questions
- 03MEDNo average revenue or net income disclosure (Item 19 missing) — impossible to validate ROI claims
- 04MEDHigh fixed monthly royalty ($3,000/month = $36,000/year) with undisclosed revenue creates unsustainable burden
- 05MEDFranchise fee ($50,000) represents 46-45% of total investment floor with no disclosed breakeven timeline
- 06MINOR7-year term is long commitment in declining system with no performance benchmarks provided
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
20 numbers
One-time purchase · CSV download · Validation questions included
FDD download
Money Pages · FDD (2025) PDF