Is Freeway Insurance or PAYROLL VAULT cheaper to open?

Freeway Insurance costs $44,950–$84,000 and PAYROLL VAULT costs $77,375–$111,885 to open (FDD Item 7). Freeway Insurance has the lower entry cost.

Which earns more, Freeway Insurance or PAYROLL VAULT?

Freeway Insurance reports $371,958 average annual unit revenue vs $281,574 for PAYROLL VAULT (FDD Item 19). Freeway Insurance is higher.

Which is the better franchise, Freeway Insurance or PAYROLL VAULT?

FranchiseVerdict grades Freeway Insurance A and PAYROLL VAULT B, from FDD Items 5–7, 19–21 and SBA loan performance. See the full side-by-side above.

Freeway Insurance vs PAYROLL VAULT

Franchise Comparison 2026

Both Freeway Insurance and PAYROLL VAULT are financial services franchises. Freeway Insurance requires an investment of $45K – $84K while PAYROLL VAULT requires $77K – $112K. In terms of revenue, Freeway Insurance reports higher average unit revenue at $372K. PAYROLL VAULT has SBA lending data on file with a 7.7% charge-off rate. FranchiseVerdict rates Freeway Insurance A (Strongest tier) and PAYROLL VAULT B (Above average).

Metric	Freeway Insurance	PAYROLL VAULT
Verdict Grade	AStrongest tierStrongest tier	BAbove averageAbove average
Investment Range	$45K – $84K	$77K – $112K
Franchise Fee	$25K	$69K
Royalty Rate	14.0%	6.0%
Average Revenue (Item 19)	$372K	$282K
SBA Charge-Off Rate	Limited data	7.7% (13 loans)
Total Units	696	55
Unit Growth (YoY)	N/A	N/A
Year Began Franchising	2021	2012
FDD Year	2026	2025