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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 |  DBelow averageUnited Check Cashing Financial Services 2025 FDD Remove |  BAbove averageFamily Financial Centers Financial Services 2025 FDD Remove |
|---|---|---|
| Vitals | ||
FDD filing | FDD issued Mar 28, 2025 | FDD issued Apr 3, 2025 |
Investment range | $226K – $297K | $224K – $309K |
Liquid capital | $15K – $25K | $5K – $34K |
Franchise fee | $30K | $41K |
Royalty rate | 1.0% | 1.0% |
Ad fund rate | Not extracted | 2.0% |
| Performance | ||
Avg gross sales | Partial, no system average | $262K |
Median gross sales | Not extracted | Not extracted |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not extracted |
Earnings metric | Not classified | Not classified |
| Risk | ||
Rating | DBelow average | BAbove average |
Verdict score | 28 / 100 | 63 / 100 |
SBA charge-off rate | 25.0% (n=46) | Under 10 loans (1) |
SBA loans on record | 46 | 1 |
| Scale | ||
Total units | 48 | 52 |
Net change (latest yr) | -4 | -3 |
Signed, not yet open | 0 (0.00 per open outlet) | 0 (0.00 per open outlet) |
Turnover rate | 8.3% | 9.6% |
| Contract | ||
Initial term (years) | 15 | 15 |
Renewal term (years) | 15 | 5 |
Initial training (hrs) | 40 | 77 |
| Contacts | ||
Franchisee phones | 58 | 51 |
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