Quick Verdict · who it fits
Murphy Business & Financial fits first-time franchise buyers looking for a mid-scale financial services concept.
The numbers a buyer needs first — straight from the filing.
Initial investment (Item 7)
$66K - $88K
Franchise fee (Item 5)
$48K
System size (Item 20)
135 +15
Years in business
12+ yrs
Company-owned units
1
Model Murphy Business & Financial's costs in the investment calculator → Prefilled from this filing — startup cost, cash flow and break-even.
Data extracted from the 2025 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.
How Murphy Business & Financial ranks against 29 Financial Services peers we've analyzed.
Initial investment
58th pct · of 29 peers
Franchise fee
65th pct · of 29 peers
System size
55th pct · of 29 peers
Financial Services industry averages
Avg investment
$58K - $182K
Avg franchise fee
$37K
Avg system size
450
Franchises analyzed
29
Closest concepts by category and investment.
| Brand | Item 19 | Fee | Investment | Royalty | Units |
|---|---|---|---|---|---|
| Murphy Business & Financial | Disclosed | $48K | $66K - $88K | — | 135 |
| Smallbizpros, Inc. D/B/a Padgett Business ServicesSimilar price | Disclosed | $63K | $9K - $85K | 9% | 164 |
| Ameriprise Financial ServicesBiggest system | Disclosed | $2K | $10K - $138K | 72–91% | 3,738 |
| Brightway InsuranceTop-rated in category | Disclosed | $25K | $43K - $187K | — | 351 |
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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.
Murphy Business & Financial requires a $47,500 initial franchise fee and a total initial investment range of $65,840–$88,050, per the most recent FDD on file.
Murphy Business & Financial is franchised by Murphy Business and Financial Corporation LLC, the franchisor entity of record on its Franchise Disclosure Document. Item 1 of the FDD discloses the franchisor's corporate history, parents, and predecessors.
Yes. Murphy Business & Financial discloses Item 19 financial performance representations in its FDD. See the financials sub-page for the disclosed figures.
As of their 2025 FDD, Murphy Business & Financial has 135 total locations, with 15 new locations opened in the most recent reporting year. This information comes from Item 20 of the FDD.
This page is part of VetMyFranchise. View all pages: llms.txt · llms-full.txt