United Check Cashing vs Family Financial Centers
Franchise Comparison 2026
Both United Check Cashing and Family Financial Centers are financial services franchises. United Check Cashing requires an investment of $226K – $297K while Family Financial Centers requires $224K – $309K. 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 United Check Cashing F (Weakest tier) and Family Financial Centers A (Strongest tier).
| Metric | United Check Cashing | Family Financial Centers |
|---|---|---|
| Verdict Grade | FWeakest tierWeakest tier | AStrongest tierStrongest tier |
| Investment Range | $226K – $297K | $224K – $309K |
| Franchise Fee | $30K | $41K |
| Royalty Rate | 2/10 of 1% of the face amount of checks cashed and 5% of Gross Receipts for other services | Greater of (1) $275 per month, or (2) the sum of (a) 2/10 of 1% of face amount of all checks cashed and debit transactions, plus (b) 5% of fees collected on Gold and 5% of fees collected on Loans |
| Average Revenue (Item 19) | N/A | $262K |
| SBA Charge-Off Rate | 25.0% (46 loans) | Limited data |
| Total Units | 48 | 52 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 1991 | 2004 |
| FDD Year | 2025 | 2025 |
Investment Range
$226K – $297K
$224K – $309K
Franchise Fee
$30K
$41K
Royalty Rate
2/10 of 1% of the face amount of checks cashed and 5% of Gross Receipts for other services
Greater of (1) $275 per month, or (2) the sum of (a) 2/10 of 1% of face amount of all checks cashed and debit transactions, plus (b) 5% of fees collected on Gold and 5% of fees collected on Loans
Average Revenue (Item 19)
N/A
$262K
SBA Charge-Off Rate
25.0% (46 loans)
Limited data
Total Units
48
52
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
1991
2004
FDD Year
2025
2025