Murphy Business & Financial Corporation
Bottom line
- Total investment $66K – $88K including a $48K franchise fee, 10.0% ongoing royalty.
- Average unit revenue of $194K/year (median $78K).
- Rated STRONG with a risk score of 50/100. SBA loan default rate of 0.0% across 2 loans (below the industry average).
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 Murphy Business & Financial Corporation unit return on the cash you put in?
Unlevered ROIC · per unit
26%
Below typical band (30–60%)
Levered LBO scenario · Yale Crease Capital framing
What would 25 Murphy Business & Financial Corporation units return on equity?
Equity IRR · 5-yr
49.9%
7.57× MOIC
Year-1 DSCR
1.88×
EBITDA ÷ debt service
Equity required
$136K
on $680K purchase
Total debt
$544K
SBA $0.3M + senior + seller note
Overview
About
Murphy Business & Financial Corporation franchisees provide business brokerage, valuation, and consulting services to small business owners seeking to buy, sell, or optimize their operations. Franchisees work from office settings serving their protected territory, managing client relationships, conducting business valuations, and facilitating transactions while leveraging the franchisor's systems and database.
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 · 34 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
Murphy Business presents moderate-to-caution risk due to undisclosed profitability data, anemic unit growth, high fee structure relative to reported revenues, and insufficient financial transparency.
Score breakdown · what drove the 50 / 100 rating
- 01MEDNo Item 19 (Average Net Income) disclosed — cannot verify profitability claims or ROI
- 02MINORExtremely slow unit growth (1.5% YoY) suggests market saturation or franchisee dissatisfaction
- 03MINORHigh franchise fee ($47,500) + investment cap ($88,050) with 10% royalty creates thin margin on $194K avg revenue
- 04HIGHGoing Concern status False (unclear if this means franchisor has concerns or data is missing)
- 05MED136 units is a small, stagnant system with limited scale and support infrastructure
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
86 numbers
One-time purchase · CSV download · Validation questions included
FDD download
Murphy Business & Financial Corporation · FDD (2025) PDF