Quick Verdict · who it fits
Money Cfo fits first-time franchise buyers looking for an emerging financial services concept.
The numbers a buyer needs first — straight from the filing.
Initial investment (Item 7)
$74K - $143K
Franchise fee (Item 5)
$49K
Royalty (Item 6)
10% + 2% ad
Agreement term
10 yrs
Years in business
1+ yrs
Model Money Cfo's costs in the investment calculator → Prefilled from this filing — startup cost, cash flow and break-even.
Data extracted from the 2026 FDD filed with state regulators. Fees and terms may have changed since filing — request the current FDD from the franchisor before deciding. Not legal, financial, or investment advice. Full disclaimer.
Drag to your projected annual sales. Royalty 10% + ad fund 2% on gross sales.
PROJECTED ANNUAL SALES$500,000
$100k$2M
Royalty (10%)
—
Ad fund (2%)
—
Total / year
—
▪ Of-sales fees only · excludes rent, labor, COGS, and one-time costs · for illustration
How Money Cfo ranks against 30 Financial Services peers we've analyzed.
Initial investment
73rd pct · of 30 peers
Franchise fee
66th pct · of 30 peers
System size
0th pct · of 30 peers
Financial Services industry averages
Avg investment
$61K - $179K
Avg franchise fee
$39K
Avg system size
370
Franchises analyzed
30
Closest concepts by category and investment.
| Brand | Item 19 | Fee | Investment | Royalty | Units |
|---|---|---|---|---|---|
| Money Cfo | None | $49K | $74K - $143K | 10% | 0 |
| Payroll VaultSimilar price | None | $69K | $77K - $140K | 6% | 62 |
| Ameriprise Financial ServicesBiggest system | Disclosed | $2K | $10K - $138K | 72–91% | 3,738 |
| Pronto Franchise, L.l.c.Top-rated in category | Disclosed | $30K | $45K - $115K | — | 29 |
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Free explainers to go deeper before you sign.
Brand Analysis
The 2025 FDD prices the initial franchise fee at $2,500, one of the lowest in our library, then sets the royalty at 30% to 60% of revenue. The franchised side of the system has shrunk by 574 offices in three years while the franchisor projects zero new ones.
Investment Guide
A franchise net worth requirement and a liquid capital requirement measure two very different things — and most rejected applicants fail the one they never checked. Here's how the math works at every investment tier.
Financial Analysis
Item 19 hands you an average revenue number and stops there. Here's the step-by-step way to haircut that top-line, layer in COGS, labor, occupancy, the fee stack, and debt service, and land on the profit you'd actually take home.
Money Cfo requires a $49,000 initial franchise fee and a total initial investment range of $74,126–$143,289, per the most recent FDD on file.
Money Cfo franchises are sold by MONEY CFO, INC., the franchisor entity of record on its Franchise Disclosure Document. Item 1 of the FDD discloses the corporate structure, including any parent companies and predecessors.
No. Money Cfo does not include a financial performance representation in its FDD. Prospective buyers should rely on validation calls with existing franchisees and benchmark against industry medians.
Franchisees pay a royalty of 10% of Gross Revenues and an advertising fund contribution of 2% on gross sales as defined in Item 6 of the FDD.
Per the FDD, Money Cfo discloses an initial agreement term of 10 years, a renewal fee of $10,000. Review Items 10 and 17 for the full renewal and termination provisions.
This page is part of VetMyFranchise. View all pages: llms.txt · llms-full.txt