Murphy Business & Financial Corporation Franchise
Cost, fees, owner earnings, closure rate and litigation for a Murphy Business & Financial Corporation franchise — pulled from the franchisor's own public FDD (2026), not its sales material.
Disclosure honesty
Murphy Business & Financial Corporation discloses earnings (Item 19) — but the grade is how honestly. We graded it C.
What their own earnings claim actually says
2025 gross profit data for 123 units operating full year. Single-unit top third averaged $457,797; bottom third $6,319. Multi-unit averaged $414,892. Results vary significantly.
What a Murphy Business & Financial Corporation franchise actually costs to run
| Fee | Disclosed | Where it comes from |
|---|---|---|
| Initial franchise fee | $47,500 | Item 5 — paid up front, before you open |
| Royalty | 10% of gross sales | Item 6 — charged on revenue, not profit |
| Total recurring fees | 10% of gross sales | Before rent, labor, food or debt service |
| Total initial investment | $65,870 – $88,110 | Item 7 — franchisor's own low/high estimate |
10% royalty on gross revenues; $390-$550/month service fee; multiple ancillary fees including transfer ($5,250+), renewal ($5,250+), audit, and termination fees.
Royalty and ad-fund percentages are charged on gross sales — an owner pays them whether or not the location is profitable.
Murphy Business & Financial Corporation system size and owner turnover
| Total outlets | 134 |
| Ceased operations | 0 |
| Terminated by franchisor | 2 |
| Transferred to new owners | 1 |
| Closure rate | 0.0% of outlets |
2 terminations, 6 non-renewals in 2025. Net loss of 2 outlets year-over-year.
From Item 20 of the FDD 2026. Terminations and ceased operations are the franchisor's own count of owners who stopped — the number the sales pitch leaves out.
Is Murphy Business & Financial Corporation worth it? — how it compares to 436 similar franchises
| Ongoing fees | 10% of sales | steeper than 74% of other franchises franchises |
| Startup cost | from $65,870 | cheaper than most (median $138,750) |
| Disclosure honesty | Grade C | typical for the category |
| Closure rate | 0.0% of outlets | better than most (median 1.5%) |
| Disclosed lawsuits | 0 | fewer than most |
Benchmarked against every other franchises franchise we've graded from public FDDs — the context the franchisor's pitch never gives you.
Owner take-home for a Murphy Business & Financial Corporation
The franchisor's framing: 2025 gross profit data for 123 units operating full year. Single-unit top third averaged $… We reconstruct what an owner actually keeps, from their own FDD.
- Reconstructed owner P&L — net take-home after royalty, ad fund, rent, labor & debt
- Break-even timeline + cash-on-cash ROI
- Full fee stack + required-purchase markups
- Decoded real failure / closure rate
- How it ranks vs comparable franchises
- Validation-call playbook — the exact questions to ask
See a full sample report → · 30-day guarantee
Murphy Business & Financial Corporation franchise — frequently asked
- How much does a Murphy Business & Financial Corporation franchise cost?
- The FDD lists a total initial investment of about $65,870–$88,110, including a $47,500 initial franchise fee.
- How much do Murphy Business & Financial Corporation franchise owners make?
- 2025 gross profit data for 123 units operating full year. Single-unit top third averaged $457,797; bottom third $6,319. Multi-unit averaged $414,892. Results vary significantly. We grade this disclosure C for honesty.
- What are the Murphy Business & Financial Corporation franchise fees?
- Murphy Business & Financial Corporation's FDD discloses a $47,500 initial franchise fee, a 10% royalty on gross sales, for roughly 10% of gross sales in recurring fees before rent, labor, or debt service. 10% royalty on gross revenues; $390-$550/month service fee; multiple ancillary fees including transfer ($5,250+), renewal ($5,250+), audit, and termination fees.
- What is the Murphy Business & Financial Corporation franchise profit margin?
- Murphy Business & Financial Corporation does not publish a franchisee net-profit margin — almost no franchisor does. What Item 19 actually shows: 2025 gross profit data for 123 units operating full year. Single-unit top third averaged $457,797; bottom third $6,319. Multi-unit averaged $414,892. Results vary significantly. Recurring fees alone take about 10% of gross sales, before rent, labor, food or debt service. Margin has to be reconstructed from the disclosure, not read off it.
- What is the Murphy Business & Financial Corporation franchise failure rate?
- 2 terminations, 6 non-renewals in 2025. Net loss of 2 outlets year-over-year.
- How many Murphy Business & Financial Corporation locations are there?
- Murphy Business & Financial Corporation's FDD reports 134 total outlets, with 0 that ceased operations in the most recent reporting year and 1 transferred to new owners. Item 20 is where system health shows up before the marketing does.
- Does Murphy Business & Financial Corporation have complaints or lawsuits?
- Murphy Business & Financial Corporation discloses no material litigation in Item 3 of the filing we reviewed. That's a positive signal, though it covers only what the franchisor is required to report.
- Is a Murphy Business & Financial Corporation franchise worth it?
- It depends on the numbers, not the pitch. Murphy Business & Financial Corporation scores C on disclosure honesty, carries about 10% of sales in ongoing fees. Get the real owner take-home before you sign.
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Source: WI DFI Franchise Registration (2026). FranchiseValidate is independent and not affiliated with Murphy Business & Financial Corporation or its franchisor. Figures are extracted from the franchisor's own public disclosure document; verify against the current FDD before any decision.