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 F (Bottom Quintile).
| Metric | Decimal | United Check Cashing |
|---|---|---|
| Verdict Grade | CAverageAverage | FBottom QuintileBottom Quintile |
| Investment Range | $46K – $1.1M | $226K – $297K |
| Franchise Fee | $30K | $30K |
| Royalty Rate | 10.0% | 2/10 of 1% of the face amount of checks cashed and 5% of Gross Receipts for other services |
| Average Revenue (Item 19) | N/A | N/A |
| SBA Charge-Off Rate | N/A | 25.0% (32 loans) |
| Total Units | 1 | 48 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 2025 | 1991 |
| FDD Year | 2025 | 2025 |
Investment Range
$46K – $1.1M
$226K – $297K
Franchise Fee
$30K
$30K
Royalty Rate
10.0%
2/10 of 1% of the face amount of checks cashed and 5% of Gross Receipts for other services
Average Revenue (Item 19)
N/A
N/A
SBA Charge-Off Rate
N/A
25.0% (32 loans)
Total Units
1
48
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
2025
1991
FDD Year
2025
2025