Is DCAP Insurance / The Tax Zone or Lendio cheaper to open?

DCAP Insurance / The Tax Zone costs $61,700–$109,900 and Lendio costs $45,650–$117,100 to open (FDD Item 7). Lendio has the lower entry cost.

Which is the better franchise, DCAP Insurance / The Tax Zone or Lendio?

FranchiseVerdict grades DCAP Insurance / The Tax Zone B and Lendio A, from FDD Items 5–7, 19–21 and SBA loan performance. See the full side-by-side above.

DCAP Insurance / The Tax Zone vs Lendio

Franchise Comparison 2026

Both DCAP Insurance / The Tax Zone and Lendio are financial services franchises. DCAP Insurance / The Tax Zone requires an investment of $62K – $110K while Lendio requires $46K – $117K. Neither DCAP Insurance / The Tax Zone nor Lendio makes a financial performance representation in Item 19 of its FDD — a voluntary item under the FTC Franchise Rule — so the two cannot be compared on disclosed unit revenue. FranchiseVerdict rates DCAP Insurance / The Tax Zone B (Above average) and Lendio A (Strongest tier).

Metric	DCAP Insurance / The Tax Zone	Lendio
Verdict Grade	BAbove average	AStrongest tier
Investment Range	$62K – $110K	$46K – $117K
Franchise Fee	$25K	$35KConditional fee
Royalty Rate	20.0%	30.0%
Average Revenue (Item 19)	N/ANo Item 19 representation	N/ANo Item 19 representation
SBA Charge-Off Rate	N/A	N/A
Total Units	36	121
Unit Growth (YoY)	-1 units	+54 units
Year Began Franchising	1982	2016
FDD Year	2023	2022