Decimal
The total investment to open a Decimal franchise ranges from $46,300 to $46,300. The initial franchise fee is $30,000. Ongoing royalties are 10% plus a 2% advertising fee.
What is the Decimal franchise?
Decimal is an accounting business that provides accounting services to small and midsized businesses. The estimated total initial investment is $46,300, and the initial franchise fee is $30,000, according to the 2026 Franchise Disclosure Document.
The ongoing royalty is 10 percent of sales, and the advertising or brand fund fee is 2 percent. The franchise agreement term is 10 years.
Decimal was founded in 2019 and began franchising in 2025. Its headquarters are in Indianapolis, Indiana.
According to its Franchise Disclosure Document or public business records, Decimal has 1 location. Cost figures are based on the 2026 Franchise Disclosure Document. To correct a figure, email the current FDD and the differing item numbers to info@peersense.com, and this page will be updated.
Franchising since 2019 · 1 location
$46,300 to $46,300
$30,000
1
0
SBA Lending Activity for Decimal
Loan Activity Score
This franchise has not yet been scored by the Franchise Performance Index. Scores are calculated based on public FDD data, SBA loan performance, and system level metrics.
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Decimal based on SBA lending data
Investment Tier
Low cost entry
$46,300 to $46,300 total
Why Decimal Doesn't Appear in Public SBA Data
The SBA 7(a) program publishes loan level data for every approved franchise borrower. Decimal does not currently appear in those public records, and that absence carries useful information for prospective franchisees evaluating this brand.
Likely explanations for the absence
- The brand began franchising recently (1 year ago). The SBA reporting pipeline trails new-franchise activity by 12 to 24 months.
- With under 25 units system wide, transaction volume is small enough that any SBA activity could fall below the reporting visibility threshold in any given fiscal year.
- Low capital requirements (under $50K total) often fall below the typical SBA loan threshold, so operators self fund or use personal credit instead.
Absence from SBA records does not mean a brand is un fundable. It typically means the franchise system uses alternative capital sources, or that current franchisees self fund, secure conventional bank financing, or roll over equity from a prior business sale rather than going through an SBA guaranteed 7(a) loan. For prospective Decimal franchisees, the practical question is which financing path actually closes for this brand's profile.
Capital paths PeerSense places for food, restaurant & retail concepts
SBA 7(a) Loans
Build out, unit acquisition, and working capital for food and retail franchises.
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Equipment Financing
Kitchen equipment, POS systems, and capital intensive build outs.
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Franchise Partner Buyout Financing
Senior debt for partner buyouts and multi unit roll ups.
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Commercial Real Estate Loans
Owner occupied or investor owned restaurant real estate.
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Payment Estimator
Estimated Monthly Payment
$479
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Decimal, unit breakdown
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Scan Your Deal Instantly2 FDDs Available for Decimal
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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
Last reviewed LinkedIn profileAbout Edward Freeman