About UBIF Franchise
UBIF Franchising Co is a franchise system operating in the financial services space.
The brand offers business owners the opportunity to bring accessible financial products and services to underserved communities.
UBIF locations typically serve customers who need check cashing, money transfers, bill payment, prepaid debit cards, and other essential financial transactions.
UBIF Franchise Cost & Fees
| Fee Type | Amount | Notes |
|---|---|---|
| Initial Franchise Fee | $25,000, | One-time payment upon signing |
| Royalty Fee | 2% of gross sales | Ongoing; paid monthly |
| Marketing/Ad Fund | 2% of Gross Sales | National brand fund |
| Total Investment Range | $151,350 – $448,150 | Includes build-out, inventory, working capital |
The investment range of $151K–$448K reflects variability in build-out costs, store size, lease terms, and market. The combined royalty (2%) and marketing fee (2% of Gross Sales) are ongoing costs paid as a percentage of gross sales.
Investment Breakdown (Item 7)
| Item | Low | High |
|---|---|---|
| Amount Method of Type of Expenditure Low High Payment When Due To Whom Paid Init | $7,000 | $57,000 |
| Approved Suppliers Initial Equipment, Tools, Supplies, Our affiliates or | $9,650 | $22,000 |
| Approved Suppliers Furniture and Fixtures | $15,000 | $30,000 |
| Lump Sum Before Opening Approved Suppliers Interior Signage | $1,000 | $4,000 |
| As Arranged As Arranged Vendors Wages, Travel and Living Airlines, Hotels and | $15,000 | $23,000 |
| Vendors Wages, Travel and Living | $0 | $1,000 |
| As Arranged As Arranged Vendors Business Licenses and Permits | $700 | $1,500 |
| Months Marketing | $0 | $8,000 |
| Monthly As Arranged Vendors Insurance | $3,000 | $8,000 |
| Months | $0 | $20,000 |
| Landlord and Store Security Deposits | $0 | $15,000 |
| As Arranged As Arranged Government Construction and Leasehold | $50,000 | $125,000 |
| This figure includes the approximate initial cost for the Information Systems, w | $3,000 | $6,000 |
| If you also sign an Area Development Agreement, we anticipate that your legal fe | $1,000 | $10,000 |
| If you purchase rather than lease a Mobile Unit we estimate the cost of the Mobi | $47,000 | $56,000 |
| Stores, the initial development fee is | $25,000 | $50,000 |
Additional Fees (Item 6)
| Fee Type | Amount |
|---|---|
| Renewal Fee | $10,000 |
Financing (Item 10)
| Detail | Information |
|---|---|
| Financing Available | No |
| Description | Franchisor does not offer financing. |
UBIF Franchise Earnings — Item 19
Past financial performance does not guarantee future results. Individual results will vary.
UBIF Litigation & Risk Flags
Litigation and bankruptcy data is sourced from Items 3 and 4 of the FDD. Always verify current status directly from the most recent FDD.
UBIF System Growth
UBIF currently operates 764 franchised locations and 557 company-owned units. Unit count data is sourced from Item 20 of the FDD.
UBIF Franchise — FAQ
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