Money Pages Franchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
Money Pages is a local advertising franchise publishing direct-mail and digital coupon magazines for area businesses. Franchisees run local operations, selling advertising and managing content and distribution.
FranchiseVerdict summary · 2026
A Money Pages franchise requires a total initial investment of $109K – $259K, including a $50K – $100K franchise fee. The 2025 FDD does not disclose unit-level revenue (no Item 19). FranchiseVerdict grade: D (Below average), an editorial assessment, not investment advice. Run a live ROI scan →
Data last verified · figures per the 2025 FDD issuance
Overview
- Investment
- $109K – $259K
- 36th pct Business Serv…
- Avg gross sales
- N/A
- Royalty
- N/A
- Units
- 28
- 28th pct Business Serv…
- SBA charge-off
- N/A
Quick verdict · Business Services · color = vs category peers
Green = favorable by >10% vs Business Services avg · No shading = within ±10% · Red = unfavorable by >10% · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Bottom line
- COSTTotal investment $109K – $259K including a $50K franchise fee.
- RETURNSItem 19 (2025 FDD) prints 2024 Gross Sales per market for the 10 franchised markets open all of 2024, held by 4 franchisees - individual markets range $161,076 (Hixson TN) to $523,781 (Ormond Beach FL); multi-market owners' combined totals: $1,363,182 (4 markets), $1,084,290 (3), $492,744 (2); single-market franchisee $311,104. No average or median is printed for any cohort. Gross Sales = all revenue excluding sales taxes; Gross Profit (after print/postage/design/royalty/marketing-fund/technology COGS) runs 17%-47% by market. Also printed: system-wide ad-page revenue (low $684 / median $844 / high $988 per page - denominator is an ad page, not an outlet) and system digital-marketing revenue $472,400. Excludes 2 franchisee businesses not open 12 months/ceased and all company-owned markets. Franchisee-reported, unaudited.
- RISKVerdict D (Below average), verdict score 34/100 (higher is better).
- FLAG3 units terminated last reporting year (10.7% of the system). Ask existing franchisees why.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- Money Pages Franchising Group, LLC
- Ultimate parent
- Money Pages Holdings, LLC
- Predecessor
- or parent
- Prior franchisor entity
- CEO title
- President and Chief Executive Officer
- Bruce (Alan) Worley
- CEO experience
- 23 yrs
- Years in role or industry
- Incorporated in
- FL
- HQ
- 7892 Baymeadows Way, Jacksonville, Florida 32256
- Auditor
- Pivot CPAs (Ponte Vedra Beach, Florida)
- Audited financials
- Franchisor revenue
- $2.9M
- vs $3.0M prior year
- Management churn noted
- Frequent turnover
- Item 2 disclosed frequent executive changes
Affiliated brands
- Money Pages of Florida
- Money Pages Holdings
Other brands the franchisor or its parent operates (Item 1).
Overview
About
- CEO
- Bruce (Alan) Worley
- Headquarters
- FL
- Founded
- 2012
- FDD year
- 2025
- States available
- 6
Can you afford it, and what does the money buy?
Entry cost runs 34% below the typical business services franchise.
Source: FDD 2025 · Items 5–7
Full Item 7 breakdown14 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Feenot refundable | $50K | $100K | |
| Lease, Utility and Security Depositsnot refundable | $0 | $3K | |
| Leasehold Improvementsnot refundable | $0 | $3K | |
| Signagenot refundable | $100 | $2K | |
| Furniture and Fixturesnot refundable | $0 | $3K | |
| Computers and Softwarenot refundable | $1K | $4K | |
| Office Equipmentnot refundable | $0 | $2K | |
| Office Supplies and Inventorynot refundable | $0 | $2K | |
| Business Licenses and Permitsnot refundable | $250 | $500 | |
| Professional Feesnot refundable | $500 | $3K | |
| Insurance (premium for a 3-month period)not refundable | $350 | $500 | |
| Grand Opening Marketingnot refundable | $6K | $36K | |
| Training Expensesnot refundable | $1K | $3K | |
| Additional Funds (first 3 months)not refundable | $50K | $100K | |
| Total initial investment | $109K | $259K |
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
- $109K – $259K
- Top 40% of category vs category
- Liquid capital req'd
- $50K – $100K
- Middle of category vs category
- Franchise fee
- $50K – $100K
- Top 40% of category vs category
- Royalty
- $3,000 per Monthly Magazine per mailing zone (circulation…
- Ad fund
- $250 per mailing zone per month (flat fee); subject to an…
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty (flat) | $3,000 per Monthly Magazine with a circulation of 35,000 or fewer households per mailing zone per month |
| Technology fee | $250 |
| Transfer fee | $30 |
| Renewal fee | $2K |
| Inventory (initial) | $0 – $2K |
What do units actually make?
Source: FDD 2025 · Item 19
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
Money Pages did not disclose financial performance in FDD Item 19. The ROIC and return models require Item 19 revenue. Without it all inputs are estimates. You can still run the calculator with your own assumptions by entering an expected revenue figure.
Returns model · single-unit ROIC
What would one Money Pages unit return on the cash you put in?
Unlevered ROIC · per unit
Estimated return on your total franchise investment, before any debt financing.
41%
Within the 30–60% "attractive franchise" band
These models are for research and scenario planning only. Not investment advice. Actual results depend on your specific location, management, and market conditions. Consult a franchise attorney and accountant before signing any franchise agreement.
Item 19 · Source: 2025 FDD
Financial Performance
Item 19 (2025 FDD) prints 2024 Gross Sales per market for the 10 franchised markets open all of 2024, held by 4 franchisees - individual markets range $161,076 (Hixson TN) to $523,781 (Ormond Beach FL); multi-market owners' combined totals: $1,363,182 (4 markets), $1,084,290 (3), $492,744 (2); single-market franchisee $311,104. No average or median is printed for any cohort. Gross Sales = all revenue excluding sales taxes; Gross Profit (after print/postage/design/royalty/marketing-fund/technology COGS) runs 17%-47% by market. Also printed: system-wide ad-page revenue (low $684 / median $844 / high $988 per page - denominator is an ad page, not an outlet) and system digital-marketing revenue $472,400. Excludes 2 franchisee businesses not open 12 months/ceased and all company-owned markets. Franchisee-reported, unaudited.
- Item 19 type
- gross sales and gross profit
- Sample size
- 10
- vs category median 35 · small
- Range (low → high)
- $161K→$524K
- Cohort dispersion (min → max)
- Reporting year
- 2024
- Fiscal year the figures cover
- Source filing
- FDD 2025
- Disclosed in the 2025 filing, covering 2024
- Transparency
- 1 / 10
- vs category median 3 / 10 · below
Compared against 296 Business Services brands
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Disclosure
Item 19 reports gross sales and gross profit rather than annual gross sales, so unit revenue is not directly comparable.
Operator retention
System contracting at -13.3% CAGR over 3 years. Investigate whether closures are franchisor-driven consolidation or franchisee exits.
Multi-unit rate
Only 1% of franchisees own multiple units. Could indicate challenging economics or a young system where operators haven't had time to expand.
Source: FDD Item 19 financial performance representations and publicly filed FDD data. Past performance is not indicative of future results. Verify all figures with the franchisor and current franchisees before making any investment decision.
vs Business Services averages
How Money Pages Compares
Is the system healthy?
Source: FDD 2025 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 28
- Opened
- 2
- Last reporting year
- Closed
- 0
- Terminated
- 3
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 53.8%
- Company-owned
- 15
- Corporate units in the system
- % franchised
- 46%
- vs corporate-owned
- Multi-unit owners
- 1.0%
- Net growth (3-yr)
- -13.3%
- Net unit change over 3 years
- 3-yr CAGR
- -13.3%
- Compounded over last 3 years
3-year detail · Item 20
- Opened (3yr)
- 5
- Closed (3yr)
- 0
- Terminated (3yr)
- 7
- Non-renewed (3yr)
- 0
- Transfers (3yr)
- 0
- Reacquired (3yr)
- 0
- Franchisor bought back
- Projected new
- 3
- Franchisor's next-year forecast
- Termination rate
- 10.7%
- Franchisor-initiated terminations
- Ceased ops
- 10.7%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 3 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 loan disclosures. This brand has only 3 7(a) loans on file; statistical reliability is limited below 10 loans.
- Total loans
- 3
- Loan volume
- $340K
- Median loan
- $100K
- 50th percentile
- Charge-off rate
- N/A
- limited sample (3 loans) — rate not shown below 10
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- N/A
- 5-yr charge-off
- N/A
- Loans approved 2021+
- Active lenders
- 1
- Defaults
- N/A
Explore lender portfolios on Bank Reports or regional data on State Reports.
What could kill this investment?
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
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.
Litigation (Item 3)
No litigation must be disclosed in Item 3.
Largest disclosed settlement: $100,000
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Pivot CPAs (Ponte Vedra Beach, Florida)
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: Yes
- Kickbacks from required suppliers: Yes
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 34 / 100 verdict
- 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
What are you signing up for?
Source: FDD 2025 · Items 11, 12, 17
FDD Items 12, 15, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 7 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 3 |
| Territory type | none |
| Protected territory | No |
| Exclusive territoryℹ | No |
| Territory population | 70,000 |
| Online sales rightsℹ | Granted |
| Franchisor can compete | Yes |
| Hire a manager? | Not allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 50 mi |
| Right of first refusalℹ | Yes |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Termination groundsℹ | 3 |
| Curable defaultsℹ | 3 |
| Mandatory arbitration | Yes |
| Arbitration location | Jacksonville, Florida |
| Jury trial waiver | Yes |
| Governing law | FL |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation must be disclosed in Item 3.
Items 10, 11
Training & Operations
- Classroom training
- 35 hrs
- On-the-job training
- 78 hrs
- Training location
- Jacksonville, Florida
- Ongoing training
- Required
- Time to open
- 1 mo
- From signing to launch
- Site selection
- franchisee with franchisor approval
- Franchisor financing
- Not offered
- Item 10
- POS system
- Ad Orbit
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Ad Orbit
Item 20 · call current owners
Franchisee Contacts
5 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Money Pages · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Money Pages franchise?
The total investment to open a Money Pages franchise ranges from $109K – $259K, with an initial franchise fee of $50K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Money Pages franchise owners earn?
Money Pages 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 Item 19 in the Money Pages FDD?
The FDD section where a franchisor may disclose financial performance of its outlets. Disclosure is optional and formats vary; figures are typically gross sales, which is revenue before expenses, not profit. FranchiseVerdict extracts these figures directly from the Money Pages FDD and qualifies whose outlets they describe.
What is Money Pages's franchise failure rate?
SBA 7(a) loan charge-off data is not available for Money Pages (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 Money Pages franchise locations are there?
As of their most recent FDD filing, Money Pages has 28 total units in the United States, including 13 franchised units and 15 company-owned units. 2 new units were opened in the latest reporting year.
Is Money Pages a good franchise to buy?
FranchiseVerdict rates Money Pages as a D-grade franchise with a verdict score of 34 out of 100 (higher is better), 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
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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.