Murphy Business & Financial CorporationFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A Murphy Business & Financial Corporation franchise requires a total initial investment of $66K – $88K, including a $48K franchise fee and an ongoing 10.0% royalty[2]. The 2025 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 2025 FDD issuance
Overview
- Investment
- $66K – $88K
- 43rd pct Real Estate
- Avg gross sales
- N/A
- 25th pct Real Estate
- Royalty
- 10.0%
- 48th pct Real Estate
- Units
- 136
- 50th pct Real Estate
- SBA default
- N/A
Quick verdict · Real Estate · color = vs category peers
Green = >15% above Real Estate 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
Franchised units fell from 135 to 134 over 3 years. Investigate why operators are leaving.
Bottom line
- Total investment $66K – $88K including a $48K franchise fee, 10.0% ongoing royalty.
- Item 19 disclosed $194K as gross profit, not gross revenue. Gross revenue would be significantly higher than this figure.
- Verdict A (Top Quintile) with a risk score of 44/100.
- Item 19 reports "Gross Profit" instead of annual gross sales. Ask franchisees directly for full unit-level revenue.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- MURPHY BUSINESS & FINANCIAL CORPORATION LLC
- Parent company
- MB Brokerage Group, LLC
- Incorporated in
- DE
- HQ
- 407 North Belcher Road, Clearwater, Florida 33765
- Auditor
- CliftonLarsonAllen LLP
- Audited financials
- Franchisor revenue
- $11.9M
- vs $8.9M prior year
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.
- CEO
- Veronica Cardinale Ellinger
- Headquarters
- FL
- Founded
- 2014
- FDD year
- 2025
- States available
- 34
FDD Item 7 · 2025 filing · 15 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Franchise Fee(s)not refundable | $48K | $48K | |
| QSMP Feenot refundable | $17K | $17K | |
| Security Deposits | $0 | $2K | |
| Rent | — | — | |
| Leasehold Improvements | — | — | |
| Signage | $0 | $1K | |
| Office Equipment | $0 | $2K | |
| Computer, software, supplies and installation | $100 | $4K | |
| Business Licenses and Permits | $100 | $500 | |
| Professional Fees | $100 | $3K | |
| Insurancenot refundable | $150 | $3K | |
| Initial Training Expenses | $100 | $5K | |
| Telecommunications Services | $0 | $500 | |
| Monthly Service Feenot refundable | $1K | $2K | |
| Additional Funds (3 months) | $120 | $3K | |
| Total initial investment | $66K | $88K |
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
- $66K – $88K
- Near category avg vs category
- Liquid capital req'd
- $120 – $3K
- Better than avg vs category
- Franchise fee
- $10K – $48K
- Near category avg vs category
- Royalty
- 10.0%
- Gross Revenues · typical 6–8%
- Ad fund
- 2.5%
- typical 3–5%
- Total fee load
- 12.5%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 10.0% of gross sales |
| Marketing / ad fund | 2.5% of gross sales |
| Technology fee | $360 |
| Transfer fee | $5K |
| Renewal fee | $5K |
| Total fee load | 12.5% of rev |
Financial Performance
Item 19 disclosed $194K as gross profit, not gross revenue. Gross revenue would be significantly higher than this figure.
vs Real Estate averages
How Murphy Business & Financial Corporation Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 136
- Opened
- 15
- Last reporting year
- Closed
- 11
- Terminated
- 3
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 8
- Term expired, not renewed (per Item 20)
- Turnover rate
- 8.1%
- Company-owned
- 1
- Corporate units in the system
- % franchised
- 99%
- vs corporate-owned
- Net growth (yr3)
- +1.5%
- Net unit change last year
- 3-yr CAGR
- +0.7%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 2
- Transfer rate
- 1.5%
- Owners selling to other franchisees
- Termination rate
- 8.1%
- Franchisor-initiated terminations
- Ceased ops
- 9.6%
- Units that stopped operating
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 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 2 7(a) loans on file; statistical reliability is limited below 10 loans.
- Total loans
- 2
- Loan volume
- N/A
- Amount data pending
- Median loan
- N/A
- Charge-off rate
- N/A
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
- 0
- Defaults
- 0
Explore lender portfolios on Bank Reports or regional data on State Reports.
Risk analysis
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.
Litigation (Item 3)
No litigation required to be disclosed
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · CliftonLarsonAllen LLP
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: No
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 44 / 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
| Initial term | 10 years |
|---|---|
| Renewal term | 10 years |
| Territory type | Market Area |
| Protected territory | Yes |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 25 mi |
| Right of first refusalℹ | Yes |
| RoFR response window | 30 days |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | No |
| Jury trial waiver | Yes |
| Governing law | Florida |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation required to be disclosed
Items 10, 11
Training & Operations
- Classroom training
- 37 hrs
- On-the-job training
- 0 hrs
- Training location
- On-site and franchisor facility
- Time to open
- 2 mo
- From signing to launch
- POS system
- Murphy Online Management System (MOMS)
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Murphy Online Management System (MOMS)
Item 20 · call current owners
Franchisee Contacts
86 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Murphy Business & Financial Corporation · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Murphy Business & Financial Corporation franchise?
The total investment to open a Murphy Business & Financial Corporation franchise ranges from $66K – $88K, with an initial franchise fee of $48K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do Murphy Business & Financial Corporation franchise owners earn?
Murphy Business & Financial Corporation 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 Murphy Business & Financial Corporation's franchise failure rate?
SBA 7(a) loan charge-off data is not available for Murphy Business & Financial Corporation (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 Murphy Business & Financial Corporation franchise locations are there?
As of their most recent FDD filing, Murphy Business & Financial Corporation has 136 total units in the United States, including 135 franchised units and 1 company-owned units. 15 new units were opened in the latest reporting year.
Is Murphy Business & Financial Corporation a good franchise to buy?
FranchiseVerdict rates Murphy Business & Financial Corporation as a A-grade franchise with a risk score of 44 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 Murphy Business & Financial Corporation, you can request corrections or provide updated information.
Claim this brandOther Real Estate franchises
Compare similar franchise opportunities in the Real Estate 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.