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4 brands side-by-side
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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.
These figures come from FDDs of different years (2025, 2026). Costs, fees and unit counts change from one filing to the next, so the older column may be out of date.
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 |  AStrongest tierCharles Schwab Financial Services 2026 FDD Remove |
|---|---|---|---|---|
| Vitals | ||||
FDD filing | FDD issued Apr 3, 2025 | FDD issued Mar 28, 2025 | FDD issued Jul 31, 2025 | FDD issued Apr 3, 2026 |
Investment range | $224K – $309K | $226K – $297K | $70K – $280K | $104K – $222K |
Liquid capital | $5K – $34K | $15K – $25K | $8K – $17K | $1K – $2K |
Franchise fee | $41K | $30K | $35K | $50K |
Royalty rate | 1.0% | 1.0% | 10.0% | Not extracted |
Ad fund rate | 2.0% | Not extracted | 5.0% | Not extracted |
| Performance | ||||
Avg gross sales | $262K | Partial, no system average | No Item 19 representation | Partial, no system average |
Median gross sales | Not extracted | Not extracted | Not disclosed | Not extracted |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not extracted | Not disclosed | Not extracted |
Earnings metric | Not classified | Not classified | Not classified | Not classified |
| Risk | ||||
Rating | BAbove average | DBelow average | CAverage | AStrongest tier |
Verdict score | 63 / 100 | 28 / 100 | 39 / 100 | 74 / 100 |
SBA charge-off rate | Under 10 loans (1) | 25.0% (n=46) | Not SBA-matched | Under 10 loans (2) |
SBA loans on record | 1 | 46 | N/A | 2 |
| Scale | ||||
Total units | 52 | 48 | 9 | 382 |
Net change (latest yr) | -3 | -4 | +3 | 0 |
Signed, not yet open | 0 (0.00 per open outlet) | 0 (0.00 per open outlet) | 0 (0.00 per open outlet) | Not extracted |
Turnover rate | 9.6% | 8.3% | 22.2% | 0.3% |
| Contract | ||||
Initial term (years) | 15 | 15 | 5 | 7 |
Renewal term (years) | 5 | 15 | 5 | 7 |
Initial training (hrs) | 77 | 40 | 31 | 78 |
| Contacts | ||||
Franchisee phones | 51 | 58 | 10 | 7 |
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