PayMore Stores franchise research

Investment by format

Format-specific estimates only. Do not combine one format's minimum with another format's maximum.

Investment sourceFDD p.17 ↗

Franchise fees and ongoing costs

Franchise fee

$35,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review.

Royalty

5% · Greater of 5% of Gross Sales or $1,000 per calendar month, paid monthly by automatic debit on the 1st for the prior month

Marketing contribution

1% (basis not captured; see original filing)

Technology fee

1% of Gross Sales monthly (franchisor may raise to 2%)

Other fees

Software subscriptions $300-$700/month; Device Query Fee $0.05-$3.00 per device; Computer system maintenance up to $500/year

Working capital (FDD Item 7)

Additional Funds - 3 Months: $30,000 to $75,000 (payroll, utilities, vendor, advertising, promotion; no sales revenue factored in)

Fees sourceFDD p.10 ↗

Working capital is drawn from Item 7. The Investment source below locates the investment section, not an independently verified working-capital scalar.

Investment sourceFDD p.17 ↗

Franchise fee sourceFDD · page not captured ↗

Financial performance: Item 19

Item 19 captured

Yes

Metric / basis

Gross Sales (average, median, high, low) for franchise-operated and one affiliate-operated location; no profit data

Reporting period

2025 calendar year

Sample

48 franchise-operated locations plus 1 affiliate-operated location (of 99 franchised at 12/31/2025); excludes 48 opened during 2025, 4 that ceased operations, and 1 temporarily closed; second table covers 18 franchise locations open at least 24 months

Reported average

$998,719.24

Reported median

$914,145.14

Owner income is not captured. Gross sales and EBITDA are not owner pay. Results depend on the disclosed metric, sample and period; consult the full filing.

Item 19 performance sourceFDD p.49 ↗

Unit growth: Item 20

Reporting year

2025

Scope

franchised outlets

Starting outlets

55

Year-end outlets

99

Net change

+44

Derivation

ending minus starting outlets

Openings

48

Terminations

0

Non-renewals

0

Other closures

4

Reacquisitions

0

Transfers

4

Transfers are not closures. Net change is ending minus starting outlets for the stated scope and year, or complete openings less terminations, non-renewals, other closures and reacquisitions. Missing inputs stay unknown.

Unit growth sourceFDD p.50 ↗

SBA loan history

Loan activity

15 approvals

Activity window

FY2021-FY2026 YTD; snapshot 2026-06-30

Median SBA loan

$221,300

Median loan window

FY2023-FY2026 YTD through 2026-06-30

Median loan sample

15 loans

Historical charge-off share

Suppressed: fewer than 10 seasoned loans

Cohort

7(a) FY2010-2019 approvals

Numerator / denominator

0 / 0

Formula

CHGOFF / (PIF + CHGOFF + EXEMPT) × 100

This is a historical loan-level share, not a franchise failure probability or location survival rate. Loan size is not total investment. Other loan statuses are excluded from the seasoned denominator. Activity combines 7(a) and 504 approvals, excluding canceled and not-funded records; this is not a rolling five-year count. FY2024-25 franchise tags are sparse after directory suspension; fewer tagged loans do not establish brand decline. Recent charge-off cohorts are immature.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median loan amounts are financing context, not startup cost. The median window is separate from the seasoned charge-off cohort.

Median SBA loan sourceSBA data · Jun 30, 2026 ↗

Questions before you invest

How much does PayMore Stores franchise cost?

Single Franchise Agreement (one Store): $138,750 to $268,500; Multi-Unit Operator Agreement, 5 Stores (development fee plus first Store costs): $243,750 to $373,500 These are format-specific estimates, not a guaranteed cash requirement. Franchise fee: $35,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review..

Investment sourceFDD p.17 ↗

Franchise fee sourceFDD · page not captured ↗

How much do PayMore Stores owners make?

Owner income is not captured. Gross sales and EBITDA are not owner pay. Item 19 metric: Gross Sales (average, median, high, low) for franchise-operated and one affiliate-operated location; no profit data. Sample: 48 franchise-operated locations plus 1 affiliate-operated location (of 99 franchised at 12/31/2025); excludes 48 opened during 2025, 4 that ceased operations, and 1 temporarily closed; second table covers 18 franchise locations open at least 24 months. Period: 2025 calendar year.

Item 19 performance sourceFDD p.49 ↗

What's the SBA charge-off rate for PayMore Stores?

Suppressed: fewer than 10 seasoned loans; numerator / denominator: 0 / 0. Historical 7(a) FY2010-2019 approvals; CHGOFF / (PIF + CHGOFF + EXEMPT) × 100, snapshot 2026-06-30. This is not a franchise failure probability. Median SBA loan: $221,300; window: FY2023-FY2026 YTD through 2026-06-30; sample: 15 loans. Median financing is not total investment.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median SBA loan sourceSBA data · Jun 30, 2026 ↗