Family Financial Centers vs Sea Love
Franchise Comparison 2026
Both Family Financial Centers and Sea Love are financial services franchises. Family Financial Centers requires an investment of $154K – $309K while Sea Love requires $109K – $292K. In terms of revenue, Sea Love reports higher average unit revenue at $353K. FranchiseVerdict rates Family Financial Centers B (Above Average) and Sea Love A (Top Quintile).
| Metric | Family Financial Centers | Sea Love |
|---|---|---|
| Verdict Grade | BAbove AverageAbove Average | ATop QuintileTop Quintile |
| Investment Range | $154K – $309K | $109K – $292K |
| Franchise Fee | $41K | $50K |
| Royalty Rate | Greater of either (1) $275 per month; or (2) the sum of (a) 2/10 of 1% of the face amount of all checks cashed and all debit transactions on all check cashing and debit card services; and (b) 5% of fees collected on Gold and 5% of fees collected on Loans. | 6.0% |
| Average Revenue (Item 19) | $262K | $353K |
| SBA Charge-Off Rate | Limited data | Limited data |
| Total Units | 52 | 12 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 2004 | 2022 |
| FDD Year | 2025 | 2025 |
Investment Range
$154K – $309K
$109K – $292K
Franchise Fee
$41K
$50K
Royalty Rate
Greater of either (1) $275 per month; or (2) the sum of (a) 2/10 of 1% of the face amount of all checks cashed and all debit transactions on all check cashing and debit card services; and (b) 5% of fees collected on Gold and 5% of fees collected on Loans.
6.0%
Average Revenue (Item 19)
$262K
$353K
SBA Charge-Off Rate
Limited data
Limited data
Total Units
52
12
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
2004
2022
FDD Year
2025
2025