Brightway Insurance vs DCAP Insurance / The Tax Zone
Franchise Comparison 2026
Both Brightway Insurance and DCAP Insurance / The Tax Zone are financial services franchises. Brightway Insurance requires an investment of $23K – $137K while DCAP Insurance / The Tax Zone requires $62K – $110K. Brightway Insurance has SBA lending data on file with a 18.2% charge-off rate. FranchiseVerdict rates Brightway Insurance B (Above average) and DCAP Insurance / The Tax Zone B (Above average).
| Metric | Brightway Insurance | DCAP Insurance / The Tax Zone |
|---|---|---|
| Verdict Grade | BAbove average | BAbove average |
| Investment Range | $23K – $137K | $62K – $110K |
| Franchise Fee | $25K | $25K |
| Royalty Rate | No traditional royalty; instead Brightway retains 20% of Brightway Sales Commissions on New Business (franchisee retains 80%) and 50% on Renewal Business (franchisee retains 50%), paid directly by Contracted Companies to Brightway. | 20.0% |
| Average Revenue (Item 19) | N/AOutlet subset | N/ANo Item 19 representation |
| SBA Charge-Off Rate | 18.2% (11 loans) | N/A |
| Total Units | 341 | 36 |
| Unit Growth (YoY) | +3 units | -1 units |
| Year Began Franchising | 2008 | 1982 |
| FDD Year | 2025 | 2023 |
Investment Range
$23K – $137K
$62K – $110K
Franchise Fee
$25K
$25K
Royalty Rate
No traditional royalty; instead Brightway retains 20% of Brightway Sales Commissions on New Business (franchisee retains 80%) and 50% on Renewal Business (franchisee retains 50%), paid directly by Contracted Companies to Brightway.
20.0%
Average Revenue (Item 19)
N/AOutlet subset
N/ANo Item 19 representation
SBA Charge-Off Rate
18.2% (11 loans)
N/A
Total Units
341
36
Unit Growth (YoY)
+3 units
-1 units
Year Began Franchising
2008
1982
FDD Year
2025
2023