ESTRELLA INSURANCE vs United Check Cashing
Franchise Comparison 2026
Both ESTRELLA INSURANCE and United Check Cashing are financial services franchises. ESTRELLA INSURANCE requires an investment of $150K – $284K while United Check Cashing requires $226K – $297K. On SBA loan performance, ESTRELLA INSURANCE has a lower charge-off rate (0.0%) compared to United Check Cashing (25.0%). FranchiseVerdict rates ESTRELLA INSURANCE A (Strongest tier) and United Check Cashing F (Weakest tier).
| Metric | ESTRELLA INSURANCE | United Check Cashing |
|---|---|---|
| Verdict Grade | AStrongest tierStrongest tier | FWeakest tierWeakest tier |
| Investment Range | $150K – $284K | $226K – $297K |
| Franchise Fee | $25K | $30K |
| Royalty Rate | 14.0% | 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 | 0.0% (10 loans) | 25.0% (46 loans) |
| Total Units | 214 | 48 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 2008 | 1991 |
| FDD Year | 2025 | 2025 |
Investment Range
$150K – $284K
$226K – $297K
Franchise Fee
$25K
$30K
Royalty Rate
14.0%
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
0.0% (10 loans)
25.0% (46 loans)
Total Units
214
48
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
2008
1991
FDD Year
2025
2025