United Check Cashing vs ATAX
Franchise Comparison 2026
Both United Check Cashing and ATAX are financial services franchises. United Check Cashing requires an investment of $226K – $297K while ATAX requires $101K – $524K. ATAX discloses average revenue of $111K; 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 United Check Cashing F (Weakest tier) and ATAX D (Below average).
| Metric | United Check Cashing | ATAX |
|---|---|---|
| Verdict Grade | FWeakest tierWeakest tier | DBelow averageBelow average |
| Investment Range | $226K – $297K | $101K – $524K |
| Franchise Fee | $10K | $18K |
| Royalty Rate | 2/10 of 1% of the face amount of checks cashed and 5% of Gross Receipts for other services | 14.0% |
| Average Revenue (Item 19) | N/A | $111K |
| SBA Charge-Off Rate | 25.0% (46 loans) | Limited data |
| Total Units | 48 | 32 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 1991 | 2019 |
| FDD Year | 2025 | 2025 |
Investment Range
$226K – $297K
$101K – $524K
Franchise Fee
$10K
$18K
Royalty Rate
2/10 of 1% of the face amount of checks cashed and 5% of Gross Receipts for other services
14.0%
Average Revenue (Item 19)
N/A
$111K
SBA Charge-Off Rate
25.0% (46 loans)
Limited data
Total Units
48
32
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
1991
2019
FDD Year
2025
2025