Quick Verdict · who it fits
ACFN 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)
$38K - $58K
Franchise fee (Item 5)
$25K
Royalty (Item 6)
1–1.25% + 1–1.25% ad
System size (Item 20)
210 +26
Years in business
24+ yrs
Item 3 litigation
None disclosed
Model ACFN's costs in the investment calculator → Prefilled from this filing — startup cost, cash flow and break-even.
Buyer qualifications
✓Financing available•No exclusive territory•Owner-operator required✓No bankruptcy disclosed✓No Item 3 litigation
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 1–1.25% + ad fund 1–1.25% on gross sales.
PROJECTED ANNUAL SALES$500,000
$100k$2M
Royalty (1–1.25%)
—
Ad fund (1–1.25%)
—
Total / year
—
▪ Of-sales fees only · excludes rent, labor, COGS, and one-time costs · for illustration
Free AI summary — the first read on the filing.
210
Total units open
26
Units opened last year
46
Units closed last year
-23
Net unit growth
What our analysis flagged across the 2026 filing.
5
Risks to review
4
Strengths identified
5
Questions to ask
How ACFN ranks against 29 Financial Services peers we've analyzed.
Initial investment
31st pct · of 29 peers
Franchise fee
20th pct · of 29 peers
System size
72nd 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 |
|---|---|---|---|---|---|
| ACFN | Disclosed | $25K | $38K - $58K | 1–1.25% | 210 |
| Everyday CareSimilar price | Disclosed | $50K | $53K - $57K | 0% | 0 |
| Ameriprise Financial ServicesBiggest system | Disclosed | $2K | $10K - $138K | 72–91% | 3,738 |
| Brightway InsuranceTop-rated in category | Disclosed | $25K | $43K - $187K | — | 351 |
Not sure ACFN is the one?
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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.
ACFN requires a $25,000 initial franchise fee and a total initial investment range of $37,561–$58,211, per the most recent FDD on file.
ACFN is franchised by ACFN Franchised Inc., 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. ACFN discloses Item 19 financial performance representations in its FDD. See the financials sub-page for the disclosed figures.
Franchisees pay a royalty of 1.0% to 1.25% and an advertising fund contribution of 1.0% to 1.25% on gross sales as defined in Item 6 of the FDD.
As of their 2026 FDD, ACFN has 210 total locations, with 26 new locations opened in the most recent reporting year. This information comes from Item 20 of the FDD.
No. ACFN does not grant exclusive territory rights under Item 12. The franchisor retains the right to operate or grant additional units inside or adjacent to your trade area.
This page is part of VetMyFranchise. View all pages: llms.txt · llms-full.txt