How Much Does a Family Financial Centers Franchise Cost?
Data from the 2025 Franchise Disclosure Document
Investment Summary
Total Investment
$154K – $309K
Franchise Fee
$41K
Royalty
Greater of either (1) $275 per month; or (2) the sum of (a) 2/10 of 1% of the face amount of all checks cashed and all debit transactions on all check cashing and debit card services; and (b) 5% of fees collected on Gold and 5% of fees collected on Loans.
Ad Fund
2.0%
Cost Breakdown
Initial Franchise Fee
The initial franchise fee for Family Financial Centers is $41K. This one-time payment covers the right to operate under the brand, access to proprietary systems, and initial training programs.
Total Investment Range
Opening a Family Financial Centers franchise requires a total investment of $154K – $309K. This range typically includes real estate or leasehold improvements, equipment and fixtures, initial inventory, signage, insurance, and working capital to sustain operations during the ramp-up period.
Working capital alone ranges from $5K to $34K.
Ongoing Costs
Beyond the initial investment, Family Financial Centers franchisees pay ongoing fees. The royalty structure is: Greater of either (1) $275 per month; or (2) the sum of (a) 2/10 of 1% of the face amount of all checks cashed and all debit transactions on all check cashing and debit card services; and (b) 5% of fees collected on Gold and 5% of fees collected on Loans.. The advertising or brand fund contribution is 2.0% of gross sales.
Net Worth & Liquid Capital Requirements
Family Financial Centers requires working capital of $5K – $34K to cover initial operating expenses. This is the liquid cash you should have available beyond the franchise fee and buildout costs.
What Can You Earn?
According to Family Financial Centers's Item 19 financial performance representation:
Median gross sales: $153K
This figure comes from Item 19 of the FDD. Gross sales are not the same as take-home profit. After deducting royalties, ad fund fees, rent, labor, and COGS, net income is typically a fraction of gross revenue.
How Do Banks View Family Financial Centers?
SBA Loans Issued
1
Default Rate
N/A
The SBA (Small Business Administration) tracks loan performance for franchise brands. Family Financial Centers has 1 SBA-backed loans on record. A lower default rate generally indicates that lenders view the franchise as a safer investment, though past performance does not guarantee future results.
Next Steps
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