Family Financial Centers vs United Check Cashing

Franchise Comparison 2026

Both Family Financial Centers and United Check Cashing are financial services franchises. Family Financial Centers requires an investment of $154K – $309K while United Check Cashing requires $226K – $297K. Family Financial Centers discloses average revenue of $262K; United Check Cashing does not report Item 19 data. United Check Cashing has SBA lending data on file with a 25.0% charge-off rate. FranchiseVerdict rates Family Financial Centers B (Above Average) and United Check Cashing F (Bottom Quintile).

Metric	Family Financial Centers	United Check Cashing
Verdict Grade	BAbove AverageAbove Average	FBottom QuintileBottom Quintile
Investment Range	$154K – $309K	$226K – $297K
Franchise Fee	$41K	$30K
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.	2/10 of 1% of the face amount of checks cashed and 5% of Gross Receipts for other services
Average Revenue (Item 19)	$262K	N/A
SBA Charge-Off Rate	Limited data	25.0% (32 loans)
Total Units	52	48
Unit Growth (YoY)	N/A	N/A
Year Began Franchising	2004	1991
FDD Year	2025	2025

Family Financial Centers

BAbove Average

United Check Cashing

FBottom Quintile

Investment Range

$154K – $309K

$226K – $297K

Franchise Fee

$41K

$30K

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.

2/10 of 1% of the face amount of checks cashed and 5% of Gross Receipts for other services

Average Revenue (Item 19)

$262K

N/A

SBA Charge-Off Rate

Limited data

25.0% (32 loans)

Total Units

Unit Growth (YoY)

N/A

Year Began Franchising

2004