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Financial ServicesRevenue OnlyItem 19: ✓ DisclosedHigh Confidence · 100/100FDD data: 2025 · Fresh

Family Financial Centers Franchise Cost and Profit

FDD-based startup cost, franchise fee, revenue, profit, SBA default rate, and investment risk signals for Family Financial Centers.

Based on 2025 FDD · 7 filings in corpus

FranchiseIQ Score
71
B
Moderate-Low Risk
Composite score from 3 risk dimensions. Click for breakdown ↓
Health Score
C
61/100
6/7 metrics · High confidence
Full analysis unlocks:
✓ Cash-on-Cash return
✓ Payback period
✓ SBA default rate
✓ Red flags assessment
✓ Comparable franchises
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Cost and profit at a glance

How much does a Family Financial Centers franchise cost and make?

Based on FDDIQ's FDD corpus, a Family Financial Centers franchise shows an estimated initial investment of $224K – $309K. Reported owner economics show $217K. Use the links below to compare the cost, revenue, SBA loan history, and ROI against other franchises before you request the full FDD.

Startup Cost
$224K – $309K
Total initial investment
Profit / Revenue
$217K
FDD Item 19 signal
Payback Signal
1.2 years
Modeled return metric
SBA Default Rate
0.0%
Loan repayment history
Compare franchise costs →Estimate franchise ROI →Check SBA default rates →Browse Financial Services franchises →Compare similar franchises →

Quick fee read: $41K franchise fee · 22% royalty/ad burden. These figures are directional screening data, not a substitute for reading the current FDD and speaking with existing operators.

Free decision snapshot

Before you talk to Family Financial Centers, check the numbers buyers usually miss.

The unlocked report ties this brand's FDD disclosures to SBA outcomes, Item 20 movement, fee load, missing-data labels, and buyer assumptions — so you can decide whether this is worth deeper diligence.

FDD disclosure qualitySBA default outcomesItem 20 unit movementFee/cost stressComparable brands
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Family Financial Centers Franchise Analysis

Family Financial Centers requires a total initial investment of $224K to $309K (midpoint approximately $267K), with an initial franchise fee of $41K. The ongoing fee burden is 22% (20% royalty plus 2% advertising fund). This is above the industry average of approximately 15.5%, which warrants careful scrutiny of the value delivered for the fees charged.

According to Item 19 of the 2025 FDD, the median revenue for Family Financial Centers locations is $7.2M. The implied franchisee EBITDA is approximately $217K, based on the margin assumptions disclosed in the FDD. The estimated cash-on-cash return is 81.5% with a payback period of approximately 1.2 years.

Family Financial Centers operates approximately 1 franchised units. The SBA 7(a) loan default rate of 0.0% is well below the industry average of approximately 7.2%, indicating strong franchisee financial outcomes.

Prospective franchisees should verify all figures against the most recent FDD, conduct validation calls with multiple existing franchisees, and consult with a franchise attorney before signing any agreement.

Analysis based on 2025 FDD filing. FDDIQ Editorial Team · Methodology

Total Investment Range$224K – $309K
MinMid: $267KMax

Key Metrics

Franchise Fee
$41K
Royalty Rate
20%
Ad Fund Rate
2%
Total Burden
22.0%
Royalty + ad fund
Units (2023)
1
Net Unit Growth
→ -
Year over year
Cash-on-Cash Return
81.5%
Annual estimated return
Payback Period
1.2 yrs
Break-even timeline
SBA Default Rate
0.0%
vs ~7.2% industry avg
Median Revenue
$7.2M
Item 19 disclosed
Red Flags Assessment
MEDIUM: Royalty burden above 10%
MED ×1
Premium Data

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CoC ReturnPayback PeriodSBA Default RateMedian RevenueEbitda MarginRisk Score
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Estimated using sector-average margins. Actual franchise economics vary by location, operator, and market conditions.

Family Financial Centers vs. Financial Services Average

MetricFamily Financial CentersFinancial Services Avg
SBA Default Rate0.0%▲7.2%
Cash-on-Cash Return81.5%▲15.5%
Total Investment$267K$250K

Industry averages based on FranchiseIQ corpus benchmarks. ▲ = better than avg, ▼ = worse.

SBA Loan Performance

Real lending data from SBA 7(a) loans (2021-2021). 1 loans across 1 states.

Default Rate
0.0%
Low Risk
Total SBA Loans
1
1 states
Total Loan Volume
$150K
SBA 7(a) approved
Avg Loan Size
$150K
Per franchisee
Loan Status Breakdown
0
Paid in Full (0%)
1
Currently Active
0
Charged Off
$0
Total Charged Off ($)
● Paid● Active● Charged Off

Source: SBA 7(a) loan data via FOIA. Default rate = charged-off loans / total originated. Industry avg default rate ~7.2%.

Compare

Family Financial Centers vs Corporate ConnectionsFamily Financial Centers vs North American Immigration CenterFamily Financial Centers vs FocalPoint Coaching

Similar Franchises · Financial Services

Corporate Connections
Limited Data
$39K–$152K
North American Immigration Center
Limited Data
$34K–$63K
FocalPoint Coaching
Limited Data
$37K–$139K
Corporate Connections
$39K – $152K
North American Immigration Center
$34K – $63K
FocalPoint Coaching
$37K – $139K
AdviCoach
$79K – $89K

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Questions to Ask Before You Sign

5 data-driven questions every Family Financial Centers franchise buyer should ask.

  1. 1.What is Family Financial Centers's SBA default rate compared to its competitors?Learn more →
  2. 2.Does Family Financial Centers disclose Item 19 financial performance representations?Learn more →
  3. 3.What is the net unit growth trend over the past 3 years?Learn more →
  4. 4.What is the franchisee termination and transfer rate per Item 20?Learn more →
  5. 5.What do the FDD litigation disclosures (Item 3) reveal about franchisor legal history?Learn more →
Generate attorney questions for Family Financial Centers →Validation call guide →
Data sourced from publicly filed Franchise Disclosure Documents (FDDs) submitted to state franchise regulators. SBA loan data from public SBA 7(a) records. Information reflects the most recent FDD filing in our database and may not reflect current terms. Always verify with the franchisor's current FDD before making any investment decision. Not legal or financial advice.

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