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Report Generated: March 31, 2026 Data Source: Official FDD Filing (2025)
See full cost breakdown →

PADGETT BUSINESS SERVICES Franchise: Cost, Earnings & Real FDD Data

Business Services

PADGETT BUSINESS SERVICES offers bookkeeping, payroll processing, tax preparation, and business consulting services designed specifically for small business owners. The franchise provides professional accounting and financial management solutions through local franchised offices.

Athens, GA · Founded 1962 · padgettbusinessservices.com →

47.0
Below Average
N/A
Total Units
$889K
Median Revenue
N/A
Total Investment
N/A
Royalty Rate
$121K
Est. Profit
3.7%
Closure Rate

The PADGETT BUSINESS SERVICES franchise in the Business Services category. This report analyzes the full Franchise Disclosure Document including unit economics, fee structure, growth trends, and risk indicators to help you evaluate the cost of investing in PADGETT BUSINESS SERVICES.

Key Takeaways

Growth Signal
Net -173 units over 4 years (declining)
Financial Disclosure
This brand discloses financial performance data (Item 19)

Deal Breakers 1 flag detected

Critical issues identified from FDD analysis that warrant serious consideration before investing.

System Shrinking by 100%
The franchise went from 173 to 0 units — a net loss of 173 locations. A shrinking system may indicate franchisee dissatisfaction, poor unit economics, or brand decline.
Question to ask the franchisor:
What is driving the unit losses? Are closures voluntary or forced? What is the company doing to reverse the trend?

Franchise Breakdown Score 47.0/100 · Below Average

Composite quality score based on growth, stability, efficiency, fees, transparency, and system size.

Unit Growth
3/20
Stability
8/20
Investment Efficiency
10/20
Fee Reasonableness
12/15
Transparency
10/10
System Size
4/15

3 PADGETT BUSINESS SERVICES Franchise Revenue & Earnings (Item 19) Item 19 Available FDD Item 19

Financial performance data as disclosed in FDD Item 19.

$889K
Mean Revenue

P&L Breakdown by Revenue Cohort

View all disclosed financial metrics (738 rows)
Adjustate Operating Income $100,000 - $299,999 (1 rows)
Metric Value Unit Cohort Period
Rent 2.1% PCT % --
Adjusted Operating Income $100,000 - $299,999 (180 rows)
Metric Value Unit Cohort Period
Financial Reporting $3,886,698 USD Cumulative Total --
Financial Reporting 45.98% PCT % --
Financial Reporting $87,731 USD Average --
Financial Reporting 45.98% PCT % --
Financial Reporting $173,655 USD HIGH --
Financial Reporting 17.2% PCT MEDIAN --
Financial Reporting $108,400 USD MEAN --
Financial Reporting 2.7% PCT % --
Financial Reporting $0 USD LOW --
Financial Reporting 0.0% PCT % --
Tax Preparation $3,197,914 USD Cumulative Total --
Tax Preparation 37.8% PCT % --
Tax Preparation $72,199 USD Average --
Tax Preparation 37.8% PCT % --
Tax Preparation $73,655 USD HIGH --
Tax Preparation 4.6% PCT MEDIAN --
Tax Preparation $173,655 USD MEAN --
Tax Preparation 0.0% PCT % --
Tax Preparation $0 USD LOW --
Tax Preparation 0.0% PCT % --
Payroll Processing $429,175 USD Cumulative Total --
Payroll Processing 5.34% PCT % --
Payroll Processing $10,218 USD Average --
Payroll Processing 5.34% PCT % --
Payroll Processing $53,936 USD HIGH --
Payroll Processing 0.0% PCT MEDIAN --
Payroll Processing $1,365 USD MEAN --
Payroll Processing 0.0% PCT % --
Payroll Processing $0 USD LOW --
Payroll Processing 0.0% PCT % --
Other Revenue $100,000 USD Cumulative Total --
Other Revenue 1.18% PCT % --
Other Revenue $2,380 USD Average --
Other Revenue 1.18% PCT % --
Other Revenue $100,000 USD HIGH --
Other Revenue 0.0% PCT MEDIAN --
Other Revenue $0 USD MEAN --
Other Revenue 0.0% PCT % --
Other Revenue $0 USD LOW --
Other Revenue 0.0% PCT % --
Total Revenue $8,031,261 USD Cumulative Total --
Total Revenue 100.0% PCT % --
Total Revenue $191,220 USD Average --
Total Revenue 100.0% PCT % --
Total Revenue $299,999 USD HIGH --
Total Revenue 23.0% PCT MEDIAN --
Total Revenue $191,220 USD MEAN --
Total Revenue 0.0% PCT % --
Total Revenue $100,000 USD LOW --
Total Revenue 0.0% PCT % --
Operating Expense $1,630,121 USD Cumulative Total --
Operating Expense 20.3% PCT % --
Operating Expense $38,812 USD Average --
Operating Expense 20.3% PCT % --
Operating Expense $197,892 USD HIGH --
Operating Expense 12.1% PCT MEDIAN --
Operating Expense $42,773 USD MEAN --
Operating Expense 2.0% PCT % --
Operating Expense $0 USD LOW --
Operating Expense 0.0% PCT % --
Payroll Taxes & Benefits $362,907 USD Cumulative Total --
Payroll Taxes & Benefits 3.27% PCT % --
Payroll Taxes & Benefits $6,299 USD Average --
Payroll Taxes & Benefits 3.27% PCT % --
Payroll Taxes & Benefits $53,936 USD HIGH --
Payroll Taxes & Benefits 0.0% PCT MEDIAN --
Payroll Taxes & Benefits $7,578 USD MEAN --
Payroll Taxes & Benefits 0.0% PCT % --
Payroll Taxes & Benefits $0 USD LOW --
Payroll Taxes & Benefits 0.0% PCT % --
Supplies $72,413 USD Cumulative Total --
Supplies 0.89% PCT % --
Supplies $1,724 USD Average --
Supplies 0.89% PCT % --
Supplies $14,585 USD HIGH --
Supplies 0.0% PCT MEDIAN --
Supplies $809 USD MEAN --
Supplies 0.0% PCT % --
Supplies $0 USD LOW --
Supplies 0.0% PCT % --
Rent $406,267 USD Cumulative Total --
Rent 6.05% PCT % --
Rent $11,577 USD Average --
Rent 6.05% PCT % --
Rent $23,430 USD HIGH --
Rent 16.5% PCT MEDIAN --
Rent $19,200 USD MEAN --
Rent $0 USD LOW --
Rent 0.0% PCT % --
Travel $266,308 USD Cumulative Total --
Travel 0.98% PCT % --
Travel $1,664 USD Average --
Travel 0.98% PCT % --
Travel $12,490 USD HIGH --
Travel 16.5% PCT MEDIAN --
Travel $390 USD MEAN --
Travel 0.0% PCT % --
Travel $0 USD LOW --
Travel 0.0% PCT % --
Office Labor $29,019 USD Cumulative Total --
Office Labor 0.75% PCT % --
Office Labor $702 USD Average --
Office Labor 0.75% PCT % --
Office Labor $4,770 USD HIGH --
Office Labor 16.5% PCT MEDIAN --
Office Labor $390 USD MEAN --
Office Labor 1.1% PCT % --
Office Labor $0 USD LOW --
Office Labor 0.0% PCT % --
Utilities $29,019 USD Cumulative Total --
Utilities 0.75% PCT % --
Utilities $702 USD Average --
Utilities 0.75% PCT % --
Utilities $4,770 USD HIGH --
Utilities 16.5% PCT MEDIAN --
Utilities $390 USD MEAN --
Utilities 1.1% PCT % --
Utilities $0 USD LOW --
Utilities 0.0% PCT % --
Licenses & Taxes $48,005 USD Cumulative Total --
Licenses & Taxes 0.61% PCT % --
Licenses & Taxes $1,162 USD Average --
Licenses & Taxes 0.61% PCT % --
Licenses & Taxes $11,067 USD HIGH --
Licenses & Taxes 0.0% PCT MEDIAN --
Licenses & Taxes $318 USD MEAN --
Licenses & Taxes 0.0% PCT % --
Licenses & Taxes $0 USD LOW --
Licenses & Taxes 0.0% PCT % --
Meals & Entertainment $48,005 USD Cumulative Total --
Meals & Entertainment 0.61% PCT % --
Meals & Entertainment $1,162 USD Average --
Meals & Entertainment 0.61% PCT % --
Meals & Entertainment $11,067 USD HIGH --
Meals & Entertainment 0.0% PCT MEDIAN --
Meals & Entertainment $318 USD MEAN --
Meals & Entertainment 0.0% PCT % --
Meals & Entertainment $0 USD LOW --
Meals & Entertainment 0.0% PCT % --
Office Expense $644,809 USD Cumulative Total --
Office Expense 8.02% PCT % --
Office Expense $15,350 USD Average --
Office Expense 8.02% PCT % --
Office Expense $35,122 USD HIGH --
Office Expense 0.9% PCT MEDIAN --
Office Expense $12,431 USD MEAN --
Office Expense 1.9% PCT % --
Office Expense $2,696 USD LOW --
Office Expense 0.4% PCT % --
Royalty $206,200 USD Cumulative Total --
Royalty 2.57% PCT % --
Royalty $4,909 USD Average --
Royalty 2.57% PCT % --
Royalty $21,854 USD HIGH --
Royalty 6.8% PCT MEDIAN --
Royalty $17,750 USD MEAN --
Royalty 2.6% PCT % --
Royalty $9,436 USD LOW --
Royalty 1.4% PCT % --
Total Operating Expense $4,879,808 USD Cumulative Total --
Total Operating Expense 60.74% PCT % --
Total Operating Expense $116,186 USD Average --
Total Operating Expense 60.74% PCT % --
Total Operating Expense $299,999 USD HIGH --
Total Operating Expense 23.0% PCT MEDIAN --
Total Operating Expense $191,220 USD MEAN --
Total Operating Expense 0.0% PCT % --
Total Operating Expense $100,000 USD LOW --
Total Operating Expense 0.0% PCT % --
Adjusted Operating Income/Loss $3,191,456 USD Cumulative Total --
Adjusted Operating Income/Loss 39.74% PCT % --
Adjusted Operating Income/Loss $75,987 USD Average --
Adjusted Operating Income/Loss 39.74% PCT % --
Adjusted Operating Income/Loss $205,477 USD HIGH --
Adjusted Operating Income/Loss -11.6% PCT MEDIAN --
Adjusted Operating Income/Loss $40,600 USD MEAN --
Adjusted Operating Income/Loss -10.0% PCT % --
Adjusted Operating Income/Loss $0 USD LOW --
Adjusted Operating Income/Loss 0.0% PCT % --
Number of Franchisees 42.0 COUNT -- --
Adjusted Operating Income $300,000 - $499,000 (161 rows)
Metric Value Unit Cohort Period
Financial Reporting $4,348,340 USD Cumulative Total --
Financial Reporting 42.98% PCT % --
Financial Reporting $173,933 USD Average --
Financial Reporting 42.98% PCT % --
Financial Reporting $400,000 USD HIGH --
Financial Reporting 17.6% PCT MEDIAN --
Financial Reporting $150,390 USD MEAN --
Financial Reporting 4.3% PCT % --
Financial Reporting $43,918 USD LOW --
Financial Reporting 0.0% PCT % --
Tax Preparation $4,529,044 USD Cumulative Total --
Tax Preparation 44.76% PCT % --
Tax Preparation $181,162 USD Average --
Tax Preparation 44.76% PCT % --
Tax Preparation $397,460 USD HIGH --
Tax Preparation 8.8% PCT MEDIAN --
Tax Preparation $41,303 USD MEAN --
Tax Preparation 1.5% PCT % --
Tax Preparation $73,479 USD LOW --
Tax Preparation 0.0% PCT % --
Payroll Processing $700,000 USD Cumulative Total --
Payroll Processing 6.92% PCT % --
Payroll Processing $28,000 USD Average --
Payroll Processing 6.92% PCT % --
Payroll Processing $193,400 USD HIGH --
Payroll Processing 15.4% PCT MEDIAN --
Payroll Processing $179 USD MEAN --
Payroll Processing 0.0% PCT % --
Payroll Processing $0 USD LOW --
Payroll Processing 0.0% PCT % --
Other $254,565 USD Cumulative Total --
Other 2.52% PCT % --
Other $10,182 USD Average --
Other 2.52% PCT % --
Other $27,358 USD HIGH --
Other 10.7% PCT MEDIAN --
Other $4,208 USD MEAN --
Other 1.1% PCT % --
Other $0 USD LOW --
Other 0.0% PCT % --
Total Revenue $10,114,003 USD Cumulative Total --
Total Revenue 100.0% PCT % --
Total Revenue $404,560 USD Average --
Total Revenue 100.0% PCT % --
Total Revenue $499,000 USD HIGH --
Total Revenue 19.3% PCT MEDIAN --
Total Revenue $479,000 USD MEAN --
Total Revenue 1.7% PCT % --
Total Revenue $100,000 USD LOW --
Total Revenue 0.0% PCT % --
Operating Expense $1,941,580 USD Cumulative Total --
Operating Expense 19.2% PCT % --
Operating Expense $77,663 USD Average --
Operating Expense 19.2% PCT % --
Operating Expense $193,400 USD HIGH --
Operating Expense 10.0% PCT MEDIAN --
Operating Expense $80,551 USD MEAN --
Operating Expense 4.2% PCT % --
Operating Expense $0 USD LOW --
Operating Expense 0.0% PCT % --
Payroll Taxes & Benefits $116,838 USD Cumulative Total --
Payroll Taxes & Benefits 1.15% PCT % --
Payroll Taxes & Benefits $4,673 USD Average --
Payroll Taxes & Benefits 1.15% PCT % --
Payroll Taxes & Benefits $19,960 USD HIGH --
Payroll Taxes & Benefits 17.1% PCT MEDIAN --
Payroll Taxes & Benefits $3,520 USD MEAN --
Payroll Taxes & Benefits 0.0% PCT % --
Payroll Taxes & Benefits $0 USD LOW --
Payroll Taxes & Benefits 0.0% PCT % --
Marketing $111,881 USD Cumulative Total --
Marketing 1.11% PCT % --
Marketing $4,475 USD Average --
Marketing 1.11% PCT % --
Marketing $18,660 USD HIGH --
Marketing 0.0% PCT MEDIAN --
Marketing $3,071 USD MEAN --
Marketing 0.0% PCT % --
Marketing $0 USD LOW --
Marketing 0.0% PCT % --
Outside Labor $51,650 USD Cumulative Total --
Outside Labor 0.51% PCT % --
Outside Labor $2,066 USD Average --
Outside Labor 0.51% PCT % --
Outside Labor $25,945 USD HIGH --
Outside Labor 3.8% PCT MEDIAN --
Outside Labor $1,500 USD MEAN --
Outside Labor 0.0% PCT % --
Outside Labor $0 USD LOW --
Outside Labor 0.0% PCT % --
Utilities $53,940 USD Cumulative Total --
Utilities 0.53% PCT % --
Utilities $2,158 USD Average --
Utilities 0.53% PCT % --
Utilities $10,871 USD HIGH --
Utilities 2.4% PCT MEDIAN --
Utilities $1,845 USD MEAN --
Utilities 0.0% PCT % --
Utilities $0 USD LOW --
Utilities 0.0% PCT % --
Postage & Delivery $28,941 USD Cumulative Total --
Postage & Delivery 0.29% PCT % --
Postage & Delivery $1,158 USD Average --
Postage & Delivery 0.29% PCT % --
Postage & Delivery $5,753 USD HIGH --
Postage & Delivery 0.0% PCT MEDIAN --
Postage & Delivery $677 USD MEAN --
Postage & Delivery 0.0% PCT % --
Postage & Delivery $0 USD LOW --
Postage & Delivery 0.0% PCT % --
Rent, Telephone, Postage $48,069 USD Cumulative Total --
Rent, Telephone, Postage 0.48% PCT % --
Rent, Telephone, Postage $1,923 USD Average --
Rent, Telephone, Postage 0.48% PCT % --
Rent, Telephone, Postage $18,700 USD HIGH --
Rent, Telephone, Postage 0.0% PCT MEDIAN --
Rent, Telephone, Postage $1,130 USD MEAN --
Rent, Telephone, Postage 0.0% PCT % --
Rent, Telephone, Postage $0 USD LOW --
Rent, Telephone, Postage 0.0% PCT % --
Other Expenses $53,000 USD Cumulative Total --
Other Expenses 0.52% PCT % --
Other Expenses $2,120 USD Average --
Other Expenses 0.52% PCT % --
Other Expenses $10,871 USD HIGH --
Other Expenses 0.0% PCT MEDIAN --
Other Expenses $1,845 USD MEAN --
Other Expenses 0.0% PCT % --
Other Expenses $0 USD LOW --
Other Expenses 0.0% PCT % --
Misc. Expense $837,807 USD Cumulative Total --
Misc. Expense 8.28% PCT % --
Misc. Expense $33,512 USD Average --
Misc. Expense 8.28% PCT % --
Misc. Expense $74,698 USD HIGH --
Misc. Expense 5.9% PCT MEDIAN --
Misc. Expense $34,065 USD MEAN --
Misc. Expense 4.2% PCT % --
Misc. Expense $22,844 USD LOW --
Misc. Expense 2.9% PCT % --
Total Operating Expense $5,437,007 USD Cumulative Total --
Total Operating Expense 53.7% PCT % --
Total Operating Expense $217,480 USD Average --
Total Operating Expense 53.7% PCT % --
Total Operating Expense $499,000 USD HIGH --
Total Operating Expense 19.3% PCT MEDIAN --
Total Operating Expense $202,000 USD MEAN --
Total Operating Expense 4.2% PCT % --
Total Operating Expense $100,000 USD LOW --
Total Operating Expense 0.0% PCT % --
Adjusted Operating Income/Loss $4,683,944 USD Cumulative Total --
Adjusted Operating Income/Loss 46.3% PCT % --
Adjusted Operating Income/Loss $197,392 USD Average --
Adjusted Operating Income/Loss 46.3% PCT % --
Adjusted Operating Income/Loss $400,000 USD HIGH --
Adjusted Operating Income/Loss 42.3% PCT MEDIAN --
Adjusted Operating Income/Loss $431,000 USD MEAN --
Adjusted Operating Income/Loss 78.9% PCT % --
Adjusted Operating Income/Loss $100,000 USD LOW --
Adjusted Operating Income/Loss 0.0% PCT % --
Number of Franchisees 25.0 COUNT -- --
Adjusted Operating Income < $100,000 (151 rows)
Metric Value Unit Cohort Period
Financial Reporting $414,155 USD Cumulative Total --
Financial Reporting 35.76% PCT % --
Financial Reporting $21,798 USD Average --
Financial Reporting 35.76% PCT % --
Financial Reporting $57,475 USD HIGH --
Financial Reporting 13.9% PCT MEDIAN --
Financial Reporting $22,375 USD MEAN --
Financial Reporting 5.4% PCT % --
Financial Reporting $0 USD LOW --
Financial Reporting 0.0% PCT % --
Tax Preparation $540,000 USD Cumulative Total --
Tax Preparation 46.62% PCT % --
Tax Preparation $28,421 USD Average --
Tax Preparation 46.62% PCT % --
Tax Preparation $88,000 USD HIGH --
Tax Preparation 25.4% PCT MEDIAN --
Tax Preparation $54,000 USD MEAN --
Tax Preparation 0.0% PCT % --
Tax Preparation $0 USD LOW --
Tax Preparation 0.0% PCT % --
Payroll Processing $65,000 USD Cumulative Total --
Payroll Processing 5.62% PCT % --
Payroll Processing $3,421 USD Average --
Payroll Processing 5.62% PCT % --
Payroll Processing $25,540 USD HIGH --
Payroll Processing 0.0% PCT MEDIAN --
Payroll Processing $0 USD MEAN --
Payroll Processing 0.0% PCT % --
Payroll Processing $0 USD LOW --
Payroll Processing 0.0% PCT % --
Other Revenue $13,890 USD Cumulative Total --
Other Revenue 1.2% PCT % --
Other Revenue $731 USD Average --
Other Revenue 1.2% PCT % --
Other Revenue $13,890 USD HIGH --
Other Revenue 0.0% PCT MEDIAN --
Other Revenue $0 USD MEAN --
Other Revenue 0.0% PCT % --
Other Revenue $0 USD LOW --
Other Revenue 0.0% PCT % --
Total Revenue $1,158,191 USD Cumulative Total --
Total Revenue 100.0% PCT % --
Total Revenue $60,957 USD Average --
Total Revenue 100.0% PCT % --
Total Revenue $99,999 USD HIGH --
Total Revenue 20.0% PCT MEDIAN --
Total Revenue $60,338 USD MEAN --
Total Revenue 0.0% PCT % --
Total Revenue $0 USD LOW --
Total Revenue 0.0% PCT % --
Operating Expense $632,150 USD Cumulative Total --
Operating Expense 5.44% PCT % --
Operating Expense $33,316 USD Average --
Operating Expense 5.44% PCT % --
Operating Expense $35,000 USD HIGH --
Operating Expense 0.0% PCT MEDIAN --
Operating Expense $0 USD MEAN --
Operating Expense 0.0% PCT % --
Operating Expense $0 USD LOW --
Operating Expense 0.0% PCT % --
Payroll Taxes & Benefits $14,320 USD Cumulative Total --
Payroll Taxes & Benefits 1.24% PCT % --
Payroll Taxes & Benefits $753 USD Average --
Payroll Taxes & Benefits 1.24% PCT % --
Payroll Taxes & Benefits $15,425 USD HIGH --
Payroll Taxes & Benefits 72.5% PCT MEDIAN --
Payroll Taxes & Benefits $0 USD MEAN --
Payroll Taxes & Benefits 0.0% PCT % --
Payroll Taxes & Benefits $0 USD LOW --
Payroll Taxes & Benefits 0.0% PCT % --
Supplies $61,300 USD Cumulative Total --
Supplies 0.67% PCT % --
Supplies $1,755 USD Average --
Supplies 0.67% PCT % --
Supplies $4,585 USD HIGH --
Supplies 0.0% PCT MEDIAN --
Supplies $1,800 USD MEAN --
Supplies 0.0% PCT % --
Supplies $0 USD LOW --
Supplies 0.0% PCT % --
Rent $34,234 USD Cumulative Total --
Rent 3.73% PCT % --
Rent $1,755 USD Average --
Rent 3.73% PCT % --
Rent $18,800 USD HIGH --
Rent 17.8% PCT MEDIAN --
Rent $5,600 USD MEAN --
Rent 0.0% PCT % --
Rent $0 USD LOW --
Rent 0.0% PCT % --
Travel $11,765 USD Cumulative Total --
Travel 0.42% PCT % --
Travel $562 USD Average --
Travel 0.42% PCT % --
Travel $4,371 USD HIGH --
Travel 15.7% PCT MEDIAN --
Travel $50 USD MEAN --
Travel 0.0% PCT % --
Travel $0 USD LOW --
Travel 0.0% PCT % --
Licenses & Taxes $4,753 USD Cumulative Total --
Licenses & Taxes 0.41% PCT % --
Licenses & Taxes $250 USD Average --
Licenses & Taxes 0.41% PCT % --
Licenses & Taxes $1,170 USD HIGH --
Licenses & Taxes 0.0% PCT MEDIAN --
Licenses & Taxes $30 USD MEAN --
Licenses & Taxes 0.0% PCT % --
Licenses & Taxes $0 USD LOW --
Licenses & Taxes 0.0% PCT % --
Office Expense $18,618 USD Cumulative Total --
Office Expense 1.61% PCT % --
Office Expense $980 USD Average --
Office Expense 1.61% PCT % --
Office Expense $7,641 USD HIGH --
Office Expense 0.0% PCT MEDIAN --
Office Expense $7,641 USD MEAN --
Office Expense 0.0% PCT % --
Office Expense $0 USD LOW --
Office Expense 0.0% PCT % --
Misc. Expense $93,308 USD Cumulative Total --
Misc. Expense 8.05% PCT % --
Misc. Expense $8,281 USD Average --
Misc. Expense 8.05% PCT % --
Misc. Expense $29,170 USD HIGH --
Misc. Expense 7.0% PCT MEDIAN --
Misc. Expense $3,428 USD MEAN --
Misc. Expense 4.2% PCT % --
Misc. Expense $0 USD LOW --
Misc. Expense 0.0% PCT % --
Total Operating Expense $776,940 USD Cumulative Total --
Total Operating Expense 61.63% PCT % --
Total Operating Expense $37,898 USD Average --
Total Operating Expense 61.63% PCT % --
Total Operating Expense $170,748 USD HIGH --
Total Operating Expense 7.0% PCT MEDIAN --
Total Operating Expense $26,456 USD MEAN --
Total Operating Expense 7.1% PCT % --
Total Operating Expense $0 USD LOW --
Total Operating Expense 0.0% PCT % --
Adjusted Operating Income/Loss $445,605 USD Cumulative Total --
Adjusted Operating Income/Loss 38.53% PCT % --
Adjusted Operating Income/Loss $23,453 USD Average --
Adjusted Operating Income/Loss 38.53% PCT % --
Adjusted Operating Income/Loss $205,477 USD HIGH --
Adjusted Operating Income/Loss 13.6% PCT MEDIAN --
Adjusted Operating Income/Loss $33,878 USD MEAN --
Adjusted Operating Income/Loss 0.0% PCT % --
Adjusted Operating Income/Loss $0 USD LOW --
Adjusted Operating Income/Loss 0.0% PCT % --
Number of Franchisees 19.0 COUNT -- --
Adjusted Operating Income > $500,000 (179 rows)
Metric Value Unit Cohort Period
Financial Reporting $16,546,904 USD Cumulative Total --
Financial Reporting 41.72% PCT % --
Financial Reporting $435,444 USD Average --
Financial Reporting 41.72% PCT % --
Financial Reporting $1,575,875 USD HIGH --
Financial Reporting 11.8% PCT MEDIAN --
Financial Reporting $404,677 USD MEAN --
Financial Reporting 1.2% PCT % --
Financial Reporting $119,965 USD LOW --
Financial Reporting 0.7% PCT % --
Tax Preparation $10,073,307 USD Cumulative Total --
Tax Preparation 25.49% PCT % --
Tax Preparation $265,087 USD Average --
Tax Preparation 25.49% PCT % --
Tax Preparation $1,390,000 USD HIGH --
Tax Preparation 13.0% PCT MEDIAN --
Tax Preparation $391,480 USD MEAN --
Tax Preparation 1.1% PCT % --
Tax Preparation $119,965 USD LOW --
Tax Preparation 0.7% PCT % --
Payroll Processing $324,469 USD Cumulative Total --
Payroll Processing 8.19% PCT % --
Payroll Processing $8,549 USD Average --
Payroll Processing 8.19% PCT % --
Payroll Processing $438,231 USD HIGH --
Payroll Processing 0.0% PCT MEDIAN --
Payroll Processing $39,148 USD MEAN --
Payroll Processing 0.0% PCT % --
Payroll Processing $0 USD LOW --
Payroll Processing 0.0% PCT % --
Other Revenue $133,393 USD Cumulative Total --
Other Revenue 3.38% PCT % --
Other Revenue $3,510 USD Average --
Other Revenue 3.38% PCT % --
Other Revenue $133,393 USD HIGH --
Other Revenue 0.0% PCT MEDIAN --
Other Revenue $124 USD MEAN --
Other Revenue 0.0% PCT % --
Other Revenue $0 USD LOW --
Other Revenue 0.0% PCT % --
Total Revenue $39,698,350 USD Cumulative Total --
Total Revenue 100.0% PCT % --
Total Revenue $1,044,693 USD Average --
Total Revenue 100.0% PCT % --
Total Revenue $1,610,000 USD HIGH --
Total Revenue 13.9% PCT MEDIAN --
Total Revenue $888,888 USD MEAN --
Total Revenue 2.4% PCT % --
Total Revenue $178,000 USD LOW --
Total Revenue 0.0% PCT % --
Operating Expense $12,766,135 USD Cumulative Total --
Operating Expense 32.0% PCT % --
Operating Expense $335,950 USD Average --
Operating Expense 32.0% PCT % --
Operating Expense $1,457,501 USD HIGH --
Operating Expense 11.4% PCT MEDIAN --
Operating Expense $252,177 USD MEAN --
Operating Expense 2.0% PCT % --
Operating Expense $41,355 USD LOW --
Operating Expense 0.3% PCT % --
Payroll Taxes & Benefits $1,774,960 USD Cumulative Total --
Payroll Taxes & Benefits $46,709 USD Average --
Payroll Taxes & Benefits 4.48% PCT % --
Payroll Taxes & Benefits $360,527 USD HIGH --
Payroll Taxes & Benefits 2.1% PCT MEDIAN --
Payroll Taxes & Benefits $75,783 USD MEAN --
Payroll Taxes & Benefits 0.4% PCT % --
Payroll Taxes & Benefits $0 USD LOW --
Payroll Taxes & Benefits 0.0% PCT % --
Supplies $334,907 USD Cumulative Total --
Supplies 0.84% PCT % --
Supplies $8,792 USD Average --
Supplies 0.84% PCT % --
Supplies $138,985 USD HIGH --
Supplies 0.0% PCT MEDIAN --
Supplies $2,474 USD MEAN --
Supplies 0.0% PCT % --
Supplies $0 USD LOW --
Supplies 0.0% PCT % --
Rent $1,141,350 USD Cumulative Total --
Rent 2.89% PCT % --
Rent $30,035 USD Average --
Rent 2.89% PCT % --
Rent $172,950 USD HIGH --
Rent 0.0% PCT MEDIAN --
Rent $26,033 USD MEAN --
Rent 1.8% PCT % --
Rent $0 USD LOW --
Rent 0.0% PCT % --
Travel $330,778 USD Cumulative Total --
Travel 0.83% PCT % --
Travel $8,704 USD Average --
Travel 0.83% PCT % --
Travel $103,218 USD HIGH --
Travel 31.2% PCT MEDIAN --
Travel $6,033 USD MEAN --
Travel 0.0% PCT % --
Travel $0 USD LOW --
Travel 0.0% PCT % --
Office Labor $242,950 USD Cumulative Total --
Office Labor 0.61% PCT % --
Office Labor $6,394 USD Average --
Office Labor 0.61% PCT % --
Office Labor $36,889 USD HIGH --
Office Labor 15.2% PCT MEDIAN --
Office Labor $2,611 USD MEAN --
Office Labor 1.1% PCT % --
Office Labor $0 USD LOW --
Office Labor 0.0% PCT % --
Utilities $242,976 USD Cumulative Total --
Utilities 0.61% PCT % --
Utilities $6,394 USD Average --
Utilities 0.61% PCT % --
Utilities $36,889 USD HIGH --
Utilities 15.2% PCT MEDIAN --
Utilities $2,611 USD MEAN --
Utilities 1.1% PCT % --
Utilities $0 USD LOW --
Utilities 0.0% PCT % --
Licenses & Taxes $220,311 USD Cumulative Total --
Licenses & Taxes 0.55% PCT % --
Licenses & Taxes $5,797 USD Average --
Licenses & Taxes 0.55% PCT % --
Licenses & Taxes $36,889 USD HIGH --
Licenses & Taxes 15.2% PCT MEDIAN --
Licenses & Taxes $4,361 USD MEAN --
Licenses & Taxes 2.0% PCT % --
Licenses & Taxes $0 USD LOW --
Licenses & Taxes 0.0% PCT % --
Meals & Entertainment $118,053 USD Cumulative Total --
Meals & Entertainment 0.29% PCT % --
Meals & Entertainment $3,106 USD Average --
Meals & Entertainment 0.29% PCT % --
Meals & Entertainment $157,461 USD HIGH --
Meals & Entertainment 15.4% PCT MEDIAN --
Meals & Entertainment $2,463 USD MEAN --
Meals & Entertainment 1.1% PCT % --
Meals & Entertainment $0 USD LOW --
Meals & Entertainment 0.0% PCT % --
Office Expense $118,053 USD Cumulative Total --
Office Expense 0.29% PCT % --
Office Expense $3,106 USD Average --
Office Expense 0.29% PCT % --
Office Expense $157,461 USD HIGH --
Office Expense 13.3% PCT MEDIAN --
Office Expense $2,463 USD MEAN --
Office Expense 1.9% PCT % --
Office Expense $0 USD LOW --
Office Expense 0.0% PCT % --
Royalty $2,206,941 USD Cumulative Total --
Royalty 5.53% PCT % --
Royalty $58,077 USD Average --
Royalty 5.53% PCT % --
Royalty $107,090 USD HIGH --
Royalty 4.9% PCT MEDIAN --
Royalty $56,473 USD MEAN --
Royalty 2.9% PCT % --
Royalty $25,377 USD LOW --
Royalty 1.1% PCT % --
Total Operating Expense $23,175,320 USD Cumulative Total --
Total Operating Expense 58.3% PCT % --
Total Operating Expense $609,824 USD Average --
Total Operating Expense 58.3% PCT % --
Total Operating Expense $1,949,000 USD HIGH --
Total Operating Expense 40.0% PCT MEDIAN --
Total Operating Expense $388,888 USD MEAN --
Total Operating Expense 34.6% PCT % --
Total Operating Expense $119,965 USD LOW --
Total Operating Expense 27.4% PCT % --
Adjusted Operating Income/Loss $13,819,432 USD Cumulative Total --
Adjusted Operating Income/Loss 34.6% PCT % --
Adjusted Operating Income/Loss $363,669 USD Average --
Adjusted Operating Income/Loss 34.6% PCT % --
Adjusted Operating Income/Loss $877,000 USD HIGH --
Adjusted Operating Income/Loss 20.4% PCT MEDIAN --
Adjusted Operating Income/Loss 27.4% PCT % --
Adjusted Operating Income/Loss $48,035 USD LOW --
Adjusted Operating Income/Loss 0.0% PCT % --
Number of Franchisees 38.0 COUNT -- --
Adjusted Operating Income > $500,00_0 (2 rows)
Metric Value Unit Cohort Period
Payroll Taxes & Benefits 4.48% PCT % --
Adjusted Operating Income/Loss $448,000 USD MEAN --
Annualized Ongoing Revenues/Client (21 rows)
Metric Value Unit Cohort Period
Average monthly fee $441 USD -- --
Average monthly fee $9,104 USD High --
Average monthly fee $441 USD Median --
Average monthly fee $316 USD Mean --
Average monthly fee $59 USD Low --
Monthly fee annualized (X 12) $5,292 USD -- --
Monthly fee annualized (X 12) $109,248 USD High --
Monthly fee annualized (X 12) $5,292 USD Median --
Monthly fee annualized (X 12) $3,792 USD Mean --
Monthly fee annualized (X 12) $708 USD Low --
Tax Prep $/% of total ongoing rev. $5,081 USD -- --
Tax Prep $/% of total ongoing rev. 49.0% PCT -- --
Tax Prep $/% of total ongoing rev. $323,397 USD High --
Tax Prep $/% of total ongoing rev. $5,081 USD Median --
Tax Prep $/% of total ongoing rev. $11,225 USD Mean --
Tax Prep $/% of total ongoing rev. $2,096 USD Low --
Annual average fee with tax prep $10,373 USD -- --
Annual average fee with tax prep $214,149 USD High --
Annual average fee with tax prep $10,373 USD Median --
Annual average fee with tax prep $7,433 USD Mean --
Annual average fee with tax prep $1,388 USD Low --
Franchisee Revenues Adjusted Profit Percent (18 rows)
Metric Value Unit Cohort Period
$500,000 + 34.6% PCT Average --
$500,000 + 20.4% PCT High --
$500,000 + 44.8% PCT Mean --
$500,000 + 27.4% PCT Low --
$300,000 - $499,999 46.3% PCT Average --
$300,000 - $499,999 42.3% PCT High --
$300,000 - $499,999 43.1% PCT Mean --
$300,000 - $499,999 78.9% PCT Low --
$100,000 - $299,999 39.7% PCT Average --
$100,000 - $299,999 -11.6% PCT High --
$100,000 - $299,999 40.6% PCT Mean --
$100,000 - $299,999 -10.0% PCT Low --
Total $100,000 + 37.4% PCT Average --
< $100,000 38.5% PCT Average --
< $100,000 13.6% PCT High --
< $100,000 56.2% PCT Mean --
< $100,000 0.0% PCT Low --
Total 37.4% PCT Average --
FRANCHISEES' ADJUSTED PROFITS REPORTED BY FDD REGISTRATION DATE FISCAL YEAR ENDING 12/31/2024 (25 rows)
Metric Value Unit Cohort Period
$500,000 + 38.0 COUNT NUMBER FYE 2024
$500,000 + 30.6% PCT % OF TOT FYE 2024
$500,000 + $39,899,352 USD REVENUE FYE 2024
$500,000 + $13,819,432 USD $ PROFIT FYE 2024
$500,000 + 34.6% PCT % PROFIT FYE 2024
$300,000 - $499,999 25.0 COUNT NUMBER FYE 2024
$300,000 - $499,999 20.2% PCT % OF TOT FYE 2024
$300,000 - $499,999 $10,114,003 USD REVENUE FYE 2024
$300,000 - $499,999 $4,683,944 USD $ PROFIT FYE 2024
$300,000 - $499,999 46.3% PCT % PROFIT FYE 2024
$100,000 - $299,999 42.0 COUNT NUMBER FYE 2024
$100,000 - $299,999 33.9% PCT % OF TOT FYE 2024
$100,000 - $299,999 $8,031,261 USD REVENUE FYE 2024
$100,000 - $299,999 $3,191,456 USD $ PROFIT FYE 2024
$100,000 - $299,999 39.7% PCT % PROFIT FYE 2024
< $100,000 19.0 COUNT NUMBER FYE 2024
< $100,000 15.3% PCT % OF TOT FYE 2024
< $100,000 $1,158,191 USD REVENUE FYE 2024
< $100,000 $445,605 USD $ PROFIT FYE 2024
< $100,000 38.5% PCT % PROFIT FYE 2024
TOTAL 124.0 COUNT NUMBER FYE 2024
TOTAL 100.0% PCT % OF TOT FYE 2024
TOTAL $59,202,807 USD REVENUE FYE 2024
TOTAL $22,140,438 USD $ PROFIT FYE 2024
TOTAL 37.4% PCT % PROFIT FYE 2024

$ Estimated Unit Profitability Based on Item 19 Data

Based on financial performance data disclosed in Item 19 of the FDD.

$889K
Gross Revenue
$768K
Total Costs
$121K
Owner's Profit (13.6%)
View detailed P&L breakdown
Line Item Amount % of Revenue
Gross Revenue $888,888 100%
COGS $-0 0%
Labor $-0 0.0%
Occupancy $-158,222 17.8%
Marketing $-0 0.0%
Other Costs $-609,777 68.6%
Owner's Profit $120,889 13.6%

4 Risk Assessment

Automated risk indicators based on FDD data analysis.

~
Moderate Closure Rate
Average closure rate of 3.7% is in the 2-5% range. Monitor trends closely.
Declining Unit Count
Net -173 units over 4 years (-100.0%). The franchise system is contracting.
Financial Data Disclosed
This franchisor provides Item 19 financial performance representations, enabling better due diligence.

5 PADGETT BUSINESS SERVICES Failure Rate & Unit Growth (Item 20) FDD Item 20

Franchise unit trajectory based on FDD Item 20 data.

Year Start Opened Closed Transferred End Closure Rate Net Growth
2022 173 +3 -3 -- 173 1.7% --
2023 173 +4 -11 -- 166 6.4% --
2024 166 +9 -5 -- 167 3.0% --
2025 -- +10 -- -- -- -- --
3.7%
Avg Closure Rate
4
Years of Data

6 Category Comparison Business Services Brands

How PADGETT BUSINESS SERVICES compares to peer brands in the Business Services category.

Investment Midpoint

Median Revenue (Item 19)

Investment-to-Revenue Ratio

Ratio = Investment midpoint ÷ median annual revenue. Lower is better. A 0.5x ratio means the initial investment equals half of one year's gross revenue. Does not account for operating costs, margins, or time value of money.

Brand Total Units Investment Range Median Revenue Royalty Inv/Rev Ratio
The UPS Store 5350 $138K – $567K $678K 5.0% 0.5x
Jackson Hewitt Tax Service 2744 $71K – $105K $155K 15.0% 0.6x
Express Employment Professionals 791 $132K – $213K $1.35M 40.0% 0.1x
Stratus Building Solutions -- $110K – $346K $2.72M 4.0% 0.1x
Image One Facility Solutions -- -- No Item 19 -- --
Anago -- $13K – $68K $536K 10.0% 0.1x
AlphaGraphics -- $296K – $379K $307.65M 7.0% 0.0x
Sir Speedy -- $252K – $299K $1.34M 6.0% 0.2x
Minuteman Press -- $86K – $132K $562K 6.0% 0.2x
PostNet -- $230K – $297K $934K 5.0% 0.3x

SBA Loan Data 1995–2025

SBA 7(a) loan approvals for PADGETT BUSINESS SERVICES franchisees from the SBA FOIA public dataset. Lenders report franchise codes at origination — this is real lending activity, not estimates.

$13M
Total SBA Approved
64
SBA Loans
$198K
Avg Loan Size
8.7%
Default Rate
Active Lending States 24
Distinct Lenders 42
Jobs Supported 188
Top Lending States
CO 7 TX 6 IL 5 FL 5 WA 4
Annual SBA Loan Volume

Source: SBA FOIA 7(a) public data. Franchise codes matched by brand name. Not all SBA loans are captured; some franchisees finance without SBA programs.

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