United Check Cashing vs Sea Love
Franchise Comparison 2026
Both United Check Cashing and Sea Love are financial services franchises. United Check Cashing requires an investment of $226K – $297K while Sea Love requires $109K – $292K. Sea Love discloses average revenue of $353K; 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 (Bottom Quintile) and Sea Love A (Top Quintile).
| Metric | United Check Cashing | Sea Love |
|---|---|---|
| Verdict Grade | FBottom QuintileBottom Quintile | ATop QuintileTop Quintile |
| Investment Range | $226K – $297K | $109K – $292K |
| Franchise Fee | $30K | $50K |
| Royalty Rate | 2/10 of 1% of the face amount of checks cashed and 5% of Gross Receipts for other services | 6.0% |
| Average Revenue (Item 19) | N/A | $353K |
| SBA Charge-Off Rate | 25.0% (32 loans) | Limited data |
| Total Units | 48 | 12 |
| Unit Growth (YoY) | N/A | N/A |
| Year Began Franchising | 1991 | 2022 |
| FDD Year | 2025 | 2025 |
Investment Range
$226K – $297K
$109K – $292K
Franchise Fee
$30K
$50K
Royalty Rate
2/10 of 1% of the face amount of checks cashed and 5% of Gross Receipts for other services
6.0%
Average Revenue (Item 19)
N/A
$353K
SBA Charge-Off Rate
25.0% (32 loans)
Limited data
Total Units
48
12
Unit Growth (YoY)
N/A
N/A
Year Began Franchising
1991
2022
FDD Year
2025
2025