Is Lendio or DCAP Insurance / The Tax Zone cheaper to open?

Lendio costs $45,650–$117,100 and DCAP Insurance / The Tax Zone costs $61,700–$109,900 to open (FDD Item 7). Lendio has the lower entry cost.

Which is the better franchise, Lendio or DCAP Insurance / The Tax Zone?

FranchiseVerdict grades Lendio A and DCAP Insurance / The Tax Zone B, from FDD Items 5–7, 19–21 and SBA loan performance. See the full side-by-side above.

Lendio vs DCAP Insurance / The Tax Zone

Franchise Comparison 2026

Both Lendio and DCAP Insurance / The Tax Zone are financial services franchises. Lendio requires an investment of $46K – $117K while DCAP Insurance / The Tax Zone requires $62K – $110K. Neither Lendio nor DCAP Insurance / The Tax Zone makes a financial performance representation in Item 19 of its FDD — a voluntary item under the FTC Franchise Rule — so the two cannot be compared on disclosed unit revenue. FranchiseVerdict rates Lendio A (Strongest tier) and DCAP Insurance / The Tax Zone B (Above average).

Metric	Lendio	DCAP Insurance / The Tax Zone
Verdict Grade	AStrongest tier	BAbove average
Investment Range	$46K – $117K	$62K – $110K
Franchise Fee	$35KConditional fee	$25K
Royalty Rate	30.0%	20.0%
Average Revenue (Item 19)	N/ANo Item 19 representation	N/ANo Item 19 representation
SBA Charge-Off Rate	N/A	N/A
Total Units	121	36
Unit Growth (YoY)	+54 units	-1 units
Year Began Franchising	2016	1982
FDD Year	2022	2023