Family Financial Centers vs PAYROLL VAULT
Franchise Comparison 2026
Both Family Financial Centers and PAYROLL VAULT are financial services franchises. Family Financial Centers requires an investment of $224K – $309K while PAYROLL VAULT requires $77K – $112K. In terms of revenue, PAYROLL VAULT reports higher average unit revenue at $282K. PAYROLL VAULT has SBA lending data on file with a 7.7% charge-off rate. FranchiseVerdict rates Family Financial Centers A (Strongest tier) and PAYROLL VAULT A (Strongest tier).
| Metric | Family Financial Centers | PAYROLL VAULT |
|---|---|---|
| Verdict Grade | AStrongest tierStrongest tier | AStrongest tierStrongest tier |
| Investment Range | $224K – $309K | $77K – $112K |
| Franchise Fee | $41K | $69K |
| Royalty Rate | Greater of (1) $275 per month, or (2) the sum of (a) 2/10 of 1% of face amount of all checks cashed and debit transactions, plus (b) 5% of fees collected on Gold and 5% of fees collected on Loans | 6.0% |
| Average Revenue (Item 19) | $262K | $282K |
| SBA Charge-Off Rate | Limited data | 7.7% (13 loans) |
| Total Units | 52 | 55 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 2004 | 2012 |
| FDD Year | 2025 | 2025 |
Investment Range
$224K – $309K
$77K – $112K
Franchise Fee
$41K
$69K
Royalty Rate
Greater of (1) $275 per month, or (2) the sum of (a) 2/10 of 1% of face amount of all checks cashed and debit transactions, plus (b) 5% of fees collected on Gold and 5% of fees collected on Loans
6.0%
Average Revenue (Item 19)
$262K
$282K
SBA Charge-Off Rate
Limited data
7.7% (13 loans)
Total Units
52
55
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
2004
2012
FDD Year
2025
2025