PADGETT BUSINESS SERVICES USA
The total investment to open a PADGETT BUSINESS SERVICES USA franchise ranges from $80,000 to $220,000. The initial franchise fee is $45,000. Ongoing royalties are 8% plus a 3% advertising fee.
What is the PADGETT BUSINESS SERVICES USA franchise?
PADGETT BUSINESS SERVICES USA offers accounting, tax and payroll services to small businesses. The estimated total initial investment is $80,000 to $220,000, and the initial franchise fee is $45,000, according to the 2026 Franchise Disclosure Document.
The royalty is 8 percent of sales, and the advertising or brand fund fee is 3 percent. The franchise agreement term is 10 years.
The company was founded in 1965 and is headquartered in Athens, GA.
According to its Franchise Disclosure Document or public business records, PADGETT BUSINESS SERVICES USA has 43 locations. Cost figures are based on the 2025 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 1965 · 43 locations
$80,000 to $220,000
$45,000
43
SBA Lending Activity for PADGETT BUSINESS SERVICES USA
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 PADGETT BUSINESS SERVICES USA based on SBA lending data
Investment Tier
Mid range investment
$80,000 to $220,000 total
Why PADGETT BUSINESS SERVICES USA Doesn't Appear in Public SBA Data
The SBA 7(a) program publishes loan level data for every approved franchise borrower. PADGETT BUSINESS SERVICES USA 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
- Established brands often rely on internal franchisee financing networks, conventional bank lines, or franchisor provided lease guarantees rather than SBA 7(a), keeping them out of the public SBA dataset.
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 PADGETT BUSINESS SERVICES USA franchisees, the practical question is which financing path actually closes for this brand's profile.
Capital paths PeerSense places for real estate & business services concepts
Asset Based Lending
Working capital secured by receivables and inventory for service based franchises.
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Invoice Factoring
Recurring receivables financing for staffing and business service operators.
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SBA 7(a) Loans
Working capital and acquisition financing for qualified service business owners.
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Franchise Partner Buyout Financing
Senior debt for buying out a partner in an existing franchise system.
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Payment Estimator
Estimated Monthly Payment
$828
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
PADGETT BUSINESS SERVICES USA, unit breakdown
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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