Decimal vs United Check Cashing
Franchise Comparison 2026
Both Decimal and United Check Cashing are financial services franchises. Decimal requires an investment of $46K – $1.1M while United Check Cashing requires $226K – $297K. United Check Cashing has SBA lending data on file with a 25.0% charge-off rate. FranchiseVerdict rates Decimal C (Average) and United Check Cashing D (Below average).
| Metric | Decimal | United Check Cashing |
|---|---|---|
| Verdict Grade | CAverage | DBelow average |
| Investment Range | $46K – $1.1M | $226K – $297K |
| Franchise Fee | $30K | $30K |
| Royalty Rate | 10.0% | 1.0% |
| Average Revenue (Item 19) | N/ANo Item 19 representation | N/A |
| SBA Charge-Off Rate | N/A | 25.0% (46 loans) |
| Total Units | 1 | 48 |
| Unit Growth (YoY) | +0 units | -4 units |
| Year Began Franchising | 2025 | 1991 |
| FDD Year | 2025 | 2025 |
Investment Range
$46K – $1.1M
$226K – $297K
Franchise Fee
$30K
$30K
Royalty Rate
10.0%
1.0%
Average Revenue (Item 19)
N/ANo Item 19 representation
N/A
SBA Charge-Off Rate
N/A
25.0% (46 loans)
Total Units
1
48
Unit Growth (YoY)
+0 units
-4 units
Year Began Franchising
2025
1991
FDD Year
2025
2025