How Much Does a Payroll Vault Franchise Cost?
Data from the 2025 Franchise Disclosure Document
Investment Summary
Total Investment
$77K – $112K
Franchise Fee
$69K
Royalty
greater of 6% of Gross Revenue or $400
Ad Fund
$300
Cost Breakdown
Initial Franchise Fee
The initial franchise fee for Payroll Vault is $69K. 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 Payroll Vault franchise requires a total investment of $77K – $112K. 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 $3K to $10K.
Ongoing Costs
Beyond the initial investment, Payroll Vault franchisees pay ongoing fees. The royalty structure is: greater of 6% of Gross Revenue or $400. The ad fund contribution is: $300. There is also a technology fee of $175.
Net Worth & Liquid Capital Requirements
Payroll Vault requires working capital of $3K – $10K 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 Payroll Vault's Item 19 financial performance representation:
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 Payroll Vault?
SBA Loans Issued
13
Default Rate
20.0%
The SBA (Small Business Administration) tracks loan performance for franchise brands. Payroll Vault has 13 SBA-backed loans on record. The default rate is 20.0%, which is near the franchise industry average. 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
Talk to current Payroll Vault franchise owners
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See full Payroll Vault research
Risk analysis, unit growth, contract terms, and more
Compare Payroll Vault to similar franchises
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