Family Financial Centers
Family Financial Centers franchise for sale in Phillipsburg, New Jersey
List Price: $125,000 USD
Key Facts
Annual Gross Revenue
$130,000 USD
Cash Flow (SDE)
$25,000 – $50,000
Seasonal Business
No
Value of Inventory
$0
Value of Assets
$25,000 – $50,000
Year Established
2000
Business Operates From
A retail location
Location Is
Leased
Approx. Monthly Rent
$1,500
Total Employees
Less than 10
+3 MonthsTransition
Support
SomewhatPrice/Terms
Flexibility
NoneSeller financing Available
Part-timeOwner
Involvement
About this Business
This listing is for a community based financial services location. This Money Service Businesses (MSB) is part of more than 13,000 MSB’s nationwide in the $106 Billion/year industry. There is a significant opportunity for growth by adding business customers.
This business has been in operation for 20+ years prior to current owner taking over in 2019. This location, as with all FFC locations, was deemed an essential business in every state FFC operates.
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Growth opportunities
This "essential" business has very loyal, stable customer base of both consumers and a few commercial accounts. Potential is increasing store hours and adding more commercial business(servicing small businesses) - the fastest growing segment in this industry. It makes up very small part of customer base. Local marketing & community involvement/visibility are opportunities.
Owner's Day-to-Day Involvement
Understand, oversee and fund the business. There are 2 employees who run the day-to-day business. The owner is ultimately responsible for compliance adherence.
Asset Description
All FF&E including teller stations, computer, safe, ATM, & surveillance system.
Inventory Description
FF&E is included in the sales price. Inventory is owners "cash' and IS NOT not part of the transaction.
Reason for Selling
Partners decided business was located too far away from their main location.
Why I Love My Franchise
Support, training, profitable, low number of employees needed.
About Family Financial Centers
Family Financial Centers (FFC) is a financial services franchise operating community-based service centers for the unbanked, underbanked, small businesses and households living paycheck-to-paycheck. Stores provide check cashing, bill payments, wire transfers, money orders, tax preparation, and prepaid debit and payroll cards. The brand was founded in 2004 and began franchising in 2006.
FFC is positioned as an alternative to closing neighborhood bank branches. Unlike traditional check-cashing or payday outlets, its stores are designed to look and operate like a local bank and are often sited in suburban shopping centers convenient to middle-income customers. Units run on standardized computer systems and transactional software, within state money-service-business licensing and banking relationships.
Franchisees can enter through several formats, including acquisition and conversion of existing stores, store-in-store, and teller-less check-cashing machines. The network operates across multiple US states under exclusive territories, backed by a corporate team experienced in franchising and alternative financial services. Compliance systems and banking relationships are central to how FFC differentiates from smaller independents.
Franchisee Support
Initial training runs five days at FFC's dedicated training center, a simulated store fitted with the same equipment as a live unit, covering the franchise software, mock transactions, employee relations and customer service. Owners receive 24/7 access to an online training portal plus required monthly and annual retraining. FFC's four-phase support model culminates in ongoing Phase Four assistance with sales reporting, vendor management, reviews, audits and compliance, run by dedicated compliance and back-office teams. Resale buyers should confirm what transfer training and portal access FFC provides to incoming owners.
Brand Accolades & Awards
Family Financial Centers was named a Top Franchise by Franchise Business Review in 2024, building on earlier FBR Top 50 Franchisee Satisfaction recognition in 2019 and 2020. The brand has appeared repeatedly on FranServe's Fran-tastic 500/Brands lists (2020-2022 and 2026) and on the Entrepreneur Franchise 500, and has been listed among Franchise Times' Top 200 and Fast & Serious franchises. FFC is a member of IFPG and INFiN and holds BBB accreditation. Resale buyers should weigh brand-level recognition alongside the specific store's local reviews and reputation.
Industry / Market
FFC operates in the US check cashing and money-services sector. IBISWorld values the US check cashing and payday loan services industry at about $20.0 billion in 2026. Demand rests on durable demographics: roughly 9 million US adults are unbanked and a meaningful share remain underbanked, while branch closures push more consumers toward community-based providers for cash access, bill payment and transfers. High compliance and licensing barriers limit new entrants, which can protect established operators. For resale buyers, store location and the local customer base drive performance.
Ideal Owner
FFC suits a hands-on, full-time owner-operator; the model does not allow absentee or home-based operation. Owners typically run a small team of one to two employees and spend their time on customer service, staff supervision, cash and transaction controls, and the reporting that money-service businesses demand. Comfort with regulated processes, record-keeping and building trust with repeat local customers matters more than prior finance experience, though a background in retail, banking or customer service is an advantage.