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Financial ServicesLimited DataItem 19: ✓ DisclosedQuality: 53/100

United Check Cashing

Based on 2024 FDD · 2 filings in corpus

FranchiseIQ Score
75
B
Moderate-Low Risk
Composite score based on SBA default rate, unit growth, disclosure quality & investment efficiency.
Full analysis unlocks:
✓ Cash-on-Cash return
✓ Payback period
✓ SBA default rate
✓ Red flags assessment
✓ Comparable franchises
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Total Investment Range$226K – $297K
MinMid: $262KMax

Key Metrics

Franchise Fee
$30K
Royalty Rate
20%
Ad Fund Rate
—
Total Burden
0.2%
Royalty + ad fund
Units (2023)
—
Net Unit Growth
→ —
Year over year
Cash-on-Cash Return
~8–15%
Annual estimated return
Payback Period
~5–12 yrs
Break-even timeline
SBA Default Rate
0.0%
vs ~7.2% industry avg
Median Revenue
~$800K–$2M
Item 19 disclosed
Premium Data

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SBA default rate, Risk Score, CoC%, investment benchmarks, and unit growth for United Check Cashing.

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Estimated using sector-average margins. Actual franchise economics vary by location, operator, and market conditions.

United Check Cashing vs. Financial Services Average

MetricUnited Check CashingFinancial Services Avg
SBA Default Rate0.0%▲7.2%
Cash-on-Cash Return—15.5%
Total Investment$262K$250K

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

Compare

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Corporate Connections
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Questions to Ask Before You Sign

5 data-driven questions every United Check Cashing franchise buyer should ask.

  1. 1.What is United Check Cashing's SBA default rate compared to its competitors?Learn more →
  2. 2.Does United Check Cashing 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 United Check Cashing →Validation call guide →

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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.