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indicates the clear winner per row. Ties and missing data are not highlighted.
How winners are chosen
Lower is better for investment, liquid capital, franchise fee, royalty and ad-fund rates, SBA charge-off rate, and owner turnover.
Higher is better for disclosed revenue and owner earnings, verdict score, total units, net unit growth, and franchisee contacts. For the letter grade, A ranks highest.
A row is highlighted only when one brand clearly leads. Ties are never highlighted, and missing data never counts as a win. Some rows (earnings-metric type, loan counts, contract terms) are informational and have no winner.
Focus by buyer type
| Brand |  BAbove averageFamily Financial Centers Financial Services 2025 FDD Remove |  DBelow averageUnited Check Cashing Financial Services 2025 FDD Remove |  CAverageTFW Advisors Financial Services 2025 FDD Remove |
|---|---|---|---|
| Vitals | |||
FDD filing | FDD issued Apr 3, 2025 | FDD issued Mar 28, 2025 | FDD issued Jul 31, 2025 |
Investment range | $224K – $309K | $226K – $297K | $70K – $280K |
Liquid capital | $5K – $34K | $15K – $25K | $8K – $17K |
Franchise fee | $41K | $30K | $35K |
Royalty rate | 1.0% | 1.0% | 10.0% |
Ad fund rate | 2.0% | Not extracted | 5.0% |
| Performance | |||
Avg gross sales | $262K | Partial, no system average | No Item 19 representation |
Median gross sales | Not extracted | Not extracted | Not disclosed |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not extracted | Not disclosed |
Earnings metric | Not classified | Not classified | Not classified |
| Risk | |||
Rating | BAbove average | DBelow average | CAverage |
Verdict score | 63 / 100 | 28 / 100 | 39 / 100 |
SBA charge-off rate | Under 10 loans (1) | 25.0% (n=46) | Not SBA-matched |
SBA loans on record | 1 | 46 | N/A |
| Scale | |||
Total units | 52 | 48 | 9 |
Net change (latest yr) | -3 | -4 | +3 |
Signed, not yet open | 0 (0.00 per open outlet) | 0 (0.00 per open outlet) | 0 (0.00 per open outlet) |
Turnover rate | 9.6% | 8.3% | 22.2% |
| Contract | |||
Initial term (years) | 15 | 15 | 5 |
Renewal term (years) | 5 | 15 | 5 |
Initial training (hrs) | 77 | 40 | 31 |
| Contacts | |||
Franchisee phones | 51 | 58 | 10 |
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