United Check Cashing vs ESTRELLA INSURANCE
Franchise Comparison 2026
Both United Check Cashing and ESTRELLA INSURANCE are financial services franchises. United Check Cashing requires an investment of $226K – $297K while ESTRELLA INSURANCE requires $150K – $284K. ESTRELLA INSURANCE discloses average revenue of $9.3M; United Check Cashing does not report Item 19 data. On SBA loan performance, ESTRELLA INSURANCE has a lower charge-off rate (0.0%) compared to United Check Cashing (25.0%). FranchiseVerdict rates United Check Cashing F (Weakest tier) and ESTRELLA INSURANCE A (Strongest tier).
| Metric | United Check Cashing | ESTRELLA INSURANCE |
|---|---|---|
| Verdict Grade | FWeakest tierWeakest tier | AStrongest tierStrongest tier |
| Investment Range | $226K – $297K | $150K – $284K |
| Franchise Fee | $10K | $25K |
| 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 | $9.3M |
| SBA Charge-Off Rate | 25.0% (46 loans) | 0.0% (10 loans) |
| Total Units | 48 | 214 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 1991 | 2008 |
| FDD Year | 2025 | 2025 |
Investment Range
$226K – $297K
$150K – $284K
Franchise Fee
$10K
$25K
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
$9.3M
SBA Charge-Off Rate
25.0% (46 loans)
0.0% (10 loans)
Total Units
48
214
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
1991
2008
FDD Year
2025
2025