United Check Cashing
Business & Professional Services · Financial Advisory
- Active units
- 329
- Royalty
- 6.0%
Franchised, year-end 2025
of weekly Net Sales
About United Check Cashing
United Check Cashing is a trusted brand offering a range of financial services in New Jersey and Pennsylvania. As part of the United Financial Services Group, Inc., they are the largest privately held franchiser of financial service centers in the nation. At United Check Cashing, they provide a convenient and affordable alternative for individuals who don't have a regular checking account. Their services include check cashing, wire transfers, money orders, bill payments, prepaid debit cards, ATM services, tax preparation, and more. They even offer a notary public, fax/copy services, and postage stamps. With their professional and bank-like centers located where people work and shop, United Check Cashing ensures fast and efficient transactions. They take pride in their reliable service and quality staff, ensuring a one-stop shopping experience for all your financial needs. Whether you're a business owner with cash flow problems or an individual looking for hassle-free financial solutions, United Check Cashing is a trusted partner that offers convenience, affordable fees, and friendly customer service. Visit their Garfield, Fair Lawn, Roselle, Hasbrouck, Rockaway, or Hazlet locations or contact them at 201-462-9620. Trust United Check Cashing to help you manage your finances effectively.
Key terms
- Franchise fee
$60k
- Existing affiliate franchisee discount
Initial Franchise Fee may be discounted at Franchisor’s discretion for existing franchisees of an affiliate
- Local advertising
5.0% of Net Sales
- Footprint
50 – 100 sq ft
- Veteran discount
Not offered
Brand Percentile Rankings
Rankings compare brands in the same operating year. Fee and investment figures come from the FDD (2026 filing).
Growth
- Total locations329
Franchised units open at year-end
- New openings26
Gross new units opened during the calendar year
- 1-year unit growth rate-18.4%
Net unit growth versus prior year
- 3-year unit CAGR-4.9%
Compound annual growth rate of unit count over the trailing 3 years
- Unit growth ratio0.3×
Cumulative opens / closures through year-end
Unit economics
- Annual unit volume (Median)—
Per FDD Item 19 disclosure
- Annual unit volume (25th percentile)$528k
Gross Sales includes all revenue generated during the Measurement Period; excludes tips paid directly to subcontractors or other personnel and sales tax collec…
- Annual unit volume (75th percentile)$1.8M
Gross Sales includes all revenue generated during the Measurement Period; excludes tips paid directly to subcontractors or other personnel and sales tax collec…
- 1-year Median AUV growth rate—
Year-over-year change in median AUV
- Store-level EBITDA Margin—
Median unit-level EBITDA / AUV
Investment profile
- Estimated initial investment$200k
Midpoint of estimated initial investment range
↓ Lower is better - Time to open6 months
Midpoint of average time from agreement to opening
↓ Lower is better - Royalty rate6.0%
Percent of net sales paid to the franchisor
↓ Lower is better - Sales-to-investment ratio—
Median AUV / estimated initial investment midpoint
- Cash-on-cash returns—
Median unit-level EBITDA / estimated initial investment midpoint. Steady-state estimate; year 1 returns will be lower as the unit ramps to median volumes.
Franchisee healthLocked
- Unit closure ratio
- Transfer vs. closure ratio
- Percent multi-unit franchisees
- Litigation rate
- EBITDA multiple on sales & transfers
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Sources
Financial and operating figures are sourced from the brand's Franchise Disclosure Documents. Brand percentile rankings are based on comparisons to other brands that include the same metrics in their Franchise Disclosure Documents.