ACE CASH EXPRESS vs Mr Payroll Corporation
ACE CASH EXPRESS vs Mr Payroll Corporation: ACE CASH EXPRESS costs $143K to $177K to open; Mr Payroll Corporation costs $69K to $328K. ACE CASH EXPRESS has 10 units, Mr Payroll Corporation has 11. SBA loan history: ACE CASH EXPRESS = 11 loans (0.0% default); Mr Payroll Corporation = 14 loans (0.0% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
ACE CASH EXPRESS vs Mr Payroll Corporation: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Mr Payroll Corporation requires the lower minimum capital commitment ($69K vs $143K for ACE CASH EXPRESS), a 108% spread. Initial franchise fees come in at $30K for ACE CASH EXPRESS versus $10K for Mr Payroll Corporation, Mr Payroll Corporation has the lower entry fee. Ongoing royalty load is 6% for ACE CASH EXPRESS and 10% for Mr Payroll Corporation, giving ACE CASH EXPRESS the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Mr Payroll Corporation operates 11 units to ACE CASH EXPRESS's 10. ACE CASH EXPRESS has been operating 58 years (founded 1968) versus 38 for Mr Payroll Corporation (founded 1988), a 20-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Mr Payroll Corporation has the deeper SBA lending track record, with 14 7(a) approvals compared with 11 for ACE CASH EXPRESS.
Risk Signal
SBA default rates are 0.0% for ACE CASH EXPRESS and 0.0% for Mr Payroll Corporation. PeerSense FPI scores come in at 44 (Fair) for ACE CASH EXPRESS and 59 (Moderate) for Mr Payroll Corporation, giving Mr Payroll Corporation the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 44/100 | 59/100 |
Health Tier | Fair | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | N/A |
SBA Lending
SBA Loans | 11 | 14 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | growing | growing |
Investment & Costs
Total Investment | $143K to $177K | $69K to $328K |
Franchise Fee | $30K | $10K |
Royalty Rate | 6% | 10% |
Ad Fund | 2% | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 10 | 11 |
Franchised Units | 10 | 11 |
Company Owned | – | – |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | 1968 | 1988 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Irving, TX | Fort Worth, TX |
Category | Other Activities Related to Credit Intermediation | Other Activities Related to Credit Intermediation |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, ACE CASH EXPRESS or Mr Payroll Corporation?
Lower upfront capital required
Tie
ACE CASH EXPRESS: $143K starting · Mr Payroll Corporation: $69K starting
More SBA lender confidence
Mr Payroll Corporation
ACE CASH EXPRESS: 11 SBA loans · Mr Payroll Corporation: 14 SBA loans
Lower SBA default rate
Tie
ACE CASH EXPRESS: 0.0% · Mr Payroll Corporation: 0.0%
Larger system & brand presence
Tie
ACE CASH EXPRESS: 10 units · Mr Payroll Corporation: 11 units
Lower ongoing royalty load
ACE CASH EXPRESS
ACE CASH EXPRESS: 6% · Mr Payroll Corporation: 10%
More lender financing options
Mr Payroll Corporation
ACE CASH EXPRESS: 8 unique lenders · Mr Payroll Corporation: 12 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
ACE CASH EXPRESS vs Mr Payroll Corporation: Franchise Funding Comparison
Comparing ACE CASH EXPRESS and Mr Payroll Corporation is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $69K to $328K.
ACE CASH EXPRESS has 11 SBA loans on record and Mr Payroll Corporation has 14. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
ACE CASH EXPRESS vs Mr Payroll Corporation, Frequently Asked Questions
Which is a better franchise investment, ACE CASH EXPRESS or Mr Payroll Corporation?
How much does a ACE CASH EXPRESS franchise cost compared to Mr Payroll Corporation?
Can I finance ACE CASH EXPRESS or Mr Payroll Corporation with an SBA loan?
Which has a lower SBA default rate, ACE CASH EXPRESS or Mr Payroll Corporation?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
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