Category
Financial Services Franchises, Graded (2026)
41 brands analyzed. Average starting investment (low end of each range): $74K. Average disclosed gross sales: $243K (9 of 41 brands disclose Item 19; gross sales, not profit).
How to evaluate financial services franchises
- Weigh investment against disclosed revenue — high revenue can require high capital.
- Read the SBA charge-off rate as one risk signal, not the whole picture.
- Verify figures against each brand's FDD (Item 7 costs, Item 19 gross sales) — gross sales are not profit.
- Shortlist a few, then talk to current and former owners before you commit.
- Brands
- 41
- Avg investment
- $74K – $174K
- Avg gross sales
- $243K
- Median $262K · 9 of 41 disclose Item 19 · 3 excluded as company-owned only
- Avg SBA charge-off rate
- 10.0%
- mean of 8 brands with adequate SBA coverage
- Avg franchise fee
- $38K
- Median two-year change
- +3.3%
- franchised outlets, Item 20 · mean 17.2% · 25 brands with 10+ outlets at the start
- Avg fee load
- 15.2%
- Royalty + ad fund
- Avg turnover
- 9.8%
- Franchisee churn
- A-rated
- 9
Investment vs. franchise fee
38 brands plotted. A brand whose FDD lacks an Item 7 investment range or an initial franchise fee is not plotted.
Plotted brands as a table (38)
Highest-graded Financial Services franchises
Freeway Insurance
Paramount Tax & Accounting
Estrella Insurance
Ameriprise Financial Services, LLC Independent Advisor Business
Charles Schwab
Keystone Insurers Group
Fiesta Insurance
Padgett Business Services
Lendio
Payroll Vault
Atax
Ani
Legacy Claims Services
Family Financial Centers
Loyalty Business Services
Dope CFO
Toro Taxes
Brightway Insurance
DCAP Insurance / The Tax Zone
Jackson Hewitt Tax Service
The letter is the verdict grade, A (strongest tier) to F (weakest tier): an editorial assessment from public filings, not investment advice. The strip beside it is the A to F scale from low to high, each grade as wide as its score range, with a tick at the brand's verdict score (0 to 100, higher is better). Avg gross sales is the figure each FDD's Item 19 reports; the basis varies by brand (gross sales, net sales or another metric), and gross sales are not profit. SBA 7(a) charge-off is the share of resolved SBA loans that were charged off; lower is better. The year is the FDD the figures come from; an older filing may be out of date. A chip under the figure qualifies it: Outlet subset (reported for some outlets, not the whole system), Combined outlet types, Company-owned only, Incl. company outlets, Partial period (not a full year), or Per franchisee, not per outlet. Limited data means fewer than 42 of the fields we track are filled for that brand.
All 41 financial services franchises, A-Z
Every brand in this category with an FDD on file, with its verdict grade and Item 7 investment range. Brands without a filing (SBA lending data only) are on the browse page.
A
- Grade C, Middle tier.AltoCFO2023 FDD$77K – $116K
- Grade A, Strongest tier.Ameriprise Financial Services, LLC Independent Advisor Business$10K – $138K
- Grade B, Second tier.Ani2023 FDD$59K – $145K
- Grade C, Middle tier.Ask An Adjuster$125K – $160K
- Grade B, Second tier.Atax$59K – $89K
B
- Grade C, Middle tier.BooXkeeping$78K – $84K
- Grade C, Middle tier.Breakaway BA$11K – $35K
- Grade B, Second tier.Brightway Insurance$23K – $137K
C
- Grade A, Strongest tier.Charles Schwab$104K – $222K
- Grade C, Middle tier.Co/LAB Lending$55K – $114K
- Grade B, Second tier.Commission Express$173K – $299K
D
- Grade B, Second tier.DCAP Insurance / The Tax Zone2023 FDD$62K – $110K
- Grade C, Middle tier.Decimal$46K – $1.1M
- Grade B, Second tier.Dope CFO$73K – $103K
E
- Grade A, Strongest tier.Estrella Insurance$50K – $84K
F
- Grade B, Second tier.Family Financial Centers$224K – $309K
- Grade A, Strongest tier.Fiesta Insurance4+ yrs 2022 FDD$72K – $157K
- Grade A, Strongest tier.Freeway Insurance$35K – $84K
G
- Grade C, Middle tier.Goosehead Insurance$66K – $112K
H
- Grade B, Second tier.H&R Block$34K – $159K
J
- Grade B, Second tier.Jackson Hewitt Tax Service2023 FDD$96K – $128K
- Grade B, Second tier.Journey Payroll & HR$39K – $82K
K
- Grade A, Strongest tier.Keystone Insurers Group$27K – $99K
L
- Grade D, Fourth tier.Ledgers$48K – $90K
- Grade B, Second tier.Legacy Claims Services$68K – $138K
- Grade A, Strongest tier.Lendio4+ yrs 2022 FDD$46K – $117K
- Grade C, Middle tier.Liberty Tax Service$50K – $71K
- Grade B, Second tier.Loyalty Business Services$48K – $90K
M
- Grade D, Fourth tier.Motto Mortgage$56K – $240K
P
- Grade A, Strongest tier.Padgett Business Services$117K
- Grade A, Strongest tier.Paramount Tax & Accounting$74K – $166K
- Grade B, Second tier.Payroll Vault$77K – $112K
R
- Grade C, Middle tier.Renegade Insurance$28K – $96K
S
- Grade C, Middle tier.SelectQuote Local$74K – $114K
- Grade D, Fourth tier.SmartBooks Partners4+ yrs 2021 FDD$58K – $79K
T
- Grade B, Second tier.Tax Tiger$198K – $666K
- Grade C, Middle tier.TFW Advisors$70K – $280K
- Grade B, Second tier.Toro Taxes$18K – $79K
U
- Grade D, Fourth tier.United Check Cashing$226K – $297K
V
- Grade B, Second tier.Veronica's Insurance2024 FDD$129K – $190K
W
- Grade D, Fourth tier.We Insure$70K – $138K
Browse all 41 financial services franchises
Filter and sort by investment range, revenue, SBA risk, and more.
Browse all 41 financial services franchises →Get franchisee phone numbers for any brand
Talk to real franchise owners before you invest. FDD-listed contact lists starting at $49 per brand.
View pricing →Financial Services franchises
Questions about financial services franchises
How many Financial Services franchise brands are there?
We publish 41 financial services franchise brands with FDD data, verdict grades and financial metrics, read from each brand's own Franchise Disclosure Document.
What is the average investment for a Financial Services franchise?
The average initial investment for a financial services franchise ranges from $74,422 to $174,456, based on FDD Item 7 disclosures across 41 brands.
What are average gross sales for Financial Services franchises?
The average gross sales reported by financial services franchises is $243,198, from Item 19 financial performance representations. Gross sales are revenue before expenses, not profit.
How many Financial Services franchises are in the strongest tier?
9 of 41 financial services franchise brands carry a grade A, which this site labels "Strongest tier". It is an editorial assessment, not investment advice.
What is the SBA loan charge-off rate for Financial Services franchises?
The average SBA 7(a) charge-off rate for financial services franchises is 10.0%, across the 28 brands in this category whose loan sample is large enough to publish (at least 10 matched loans). It is a lending outcome, not a count of closed businesses.
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