Payroll Vault
The total investment to open a Payroll Vault franchise ranges from $45,000 to $150,000. The initial franchise fee is $50,250. Ongoing royalties are 6% plus a 1% advertising fee.
What is the Payroll Vault franchise?
Payroll Vault provides payroll processing services to businesses. The estimated total initial investment is $45,000 to $150,000, and the initial franchise fee is $50,250.
The royalty is 6 percent of sales, and the advertising fund fee is 1 percent. The franchise agreement term is 5 years. The cost and fee figures are from the 2023 Franchise Disclosure Document.
Payroll Vault was founded in 2012 and is headquartered in ARGYLE, TX.
Loan Activity Score
56/100
SBA Default Rate
7.7%
Active Lenders
6
According to its Franchise Disclosure Document or public business records, Payroll Vault has 11 locations, all owned by franchisees. Public SBA loan records show 6 lenders made 13 loans to franchisees of Payroll Vault. PeerSense calculates Payroll Vault's score as 56 out of 100, using public SBA loan performance and recent lending activity. 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 2012 · 11 locations
$45,000 to $150,000
$50,250
11
11 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Payroll Vault
13
Total SBA loans
$125K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Payroll Vault
Loan Activity Score Breakdown
Growing (10 to 24 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
7.7%
vs 9.9% peer avg
SBA Loans
13
Total Volume
$1.6M
Active Lenders
6
States
10
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Payroll Vault based on SBA lending data
SBA Default Rate
7.7%
2.2% below peer avg
SBA Loan Volume
13 loans
Across 6 lenders
Lender Diversity
6 lenders
Avg 2.2 loans per lender
Investment Tier
Low cost entry
$45,000 to $150,000 total
Payroll Vault: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2021
4 approvals. The best year on record for Payroll Vault.
Top SBA State
Texas
3 SBA financed Payroll Vault locations, the densest operator footprint.
Average Loan Size
$125K
Median $125K. Use as a sizing anchor when modeling your own Payroll Vault unit.
Lender Concentration
76.9%
Concentrated
Share of Payroll Vault approvals captured by the top 3 SBA lenders.
Payroll Vault's SBA lending pipeline peaked in 2021 (4 approvals). The last five fiscal years account for 62% of cumulative volume ($1.2M approved). Operator density is highest in Texas with 3 SBA financed locations. Average funded ticket sits at $125K, with the median at $125K. Lender mix is concentrated: the top three SBA lenders account for 76.9% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$466
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
Payroll Vault, 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