How much does a Furniture Medic franchise cost?
The 2026 Furniture Medic Franchise Disclosure Document states that one U.S. Franchised Business requires an estimated initial investment of $87,645 to $178,350. The range includes the $50,000 Initial Franchise Fee and $20,000 to $50,000 of Additional Funds for the first three months. It provides one combined estimate rather than separate totals for the mobile and shop-plus-mobile configurations.
Estimated Initial Investment for one Franchised Business under the disclosure issued June 22, 2026. The high end reflects larger equipment, coverage, premises and cash-reserve assumptions; payroll and owner living expenses are excluded.
- Legal franchisor
- TCB Furniture Medic, LLC, a Delaware limited liability company and a direct subsidiary of TCB Services Holdings, LLC. The parent organization identifies the brand among its current holdings on the TCB Franchising company page.
- Disclosure basis
- Furniture Medic FDD issued June 22, 2026; Item 5, p. 6; Item 6, pp. 7–11; Item 7, pp. 11–13; and cost-relevant provisions in Items 8, 10, 11 and 17.
- Applicable formats
- One Franchised Business, with costs affected by the mobile versus shop-plus-mobile configuration. Item 7 does not publish separate total ranges for the two configurations.
- Public-source check
- Information checked July 18, 2026. No matching 2026 FDD was located on an official franchise-controlled website, so FDD citations in this article are unlinked Item and page references. Current supplemental qualifications come from the official U.S. franchise information page.
What does the official startup range include?
The 2026 Item 7 total includes the Initial Franchise Fee, training travel, initial supplies and equipment, required technology, required coverage, a Service Vehicle down payment, the Service Vehicle Detail Package, optional real estate, initial marketing and a three-month reserve. Every line is part of the official total; the reserve should not be added a second time.
Contract, training, tools and technology
| Cost entity | Low | High | Payment timing and scope |
|---|---|---|---|
| Initial Franchise Fee | $50,000 | $50,000 | Lump sum when the agreement is signed; payable to the legal franchisor. |
| Training-Related Expenses | $1,700 | $4,200 | Travel and living costs for the owner and one other person; incurred around Initial Training. |
| Initial Supplies, Products and Equipment | $5,000 | $23,000 | As incurred through approved suppliers; shipping, handling and sales tax are additional. |
| Computer and Tablet or Smart Phone | $1,200 | $2,700 | Required before training; the device must be operational at Initial Training. |
| Software | $1,200 | $1,500 | First month of required software licenses; paid to the franchisor and third-party vendors. |
| Internet Connection | $45 | $150 | First month of high-speed Internet service; then continues as an operating cost. |
Vehicle, premises, launch marketing and cash reserve
| Cost entity | Low | High | Payment timing and scope |
|---|---|---|---|
| Insurance | $2,500 | $12,000 | As incurred; estimate assumes one van and no more than two employees. |
| Service Vehicle | $2,000 | $5,000 | Down payment only; timing depends on the purchase option. |
| Service Vehicle Detail Package | $1,000 | $1,800 | Lump sum as incurred through an approved vendor; shipping and handling are additional. |
| Real Estate and Improvements | $0 | $25,000 | Optional because a home base is permitted; lease and improvement costs apply if an outside Office is used. |
| Initial Marketing | $3,000 | $3,000 | As incurred for opening marketing during the first 90 days; ongoing National Advertising Fund payments are separate. |
| Additional Funds — 3 Months | $20,000 | $50,000 | As incurred before opening and through the first three months of operation. |
Each phase combines compatible Item 7 lines. The bar position shows the derived low amount and the teal span shows the distance to the derived high amount. Scale maximum: $55,000.
Source: Furniture Medic 2026 FDD, Item 7, pp. 11–13. Phase values are derived calculations that reconcile exactly to the official low and high totals.
The low-to-high spread is concentrated mainly in the cash reserve, optional premises, equipment and coverage. The fixed contract payment and fixed launch-marketing allowance do not create range variation.
Does a mobile setup cost less than a restoration shop?
The disclosure indicates that a home-based mobile setup can avoid a required lease, while a shop-plus-mobile setup may add premises and broader equipment costs. The official startup table nevertheless gives one combined range rather than a separate total for either format.
Two disclosed startup configurations
Home base may keep premises cost at $0
The business may operate from the owner’s home. It still requires approved supplies and equipment, a bright-white Service Vehicle, the Service Vehicle Detail Package, required technology and coverage.
Premises and equipment can move toward the high end
An outside Office or shop can add up to $25,000 in the Item 7 Real Estate and Improvements line, while the $5,000 to $23,000 supplies-and-equipment range also depends on the configuration.
Source: Furniture Medic 2026 FDD, Item 1, p. 4 and Item 7, pp. 11–13. The official franchise page also describes mobile, home-based and service-center-based options.
The official franchise page, checked July 18, 2026, displays territory fees of $50,000 for one territory, $85,000 for two and $110,000 for three. Item 5 of the current disclosure instead states a $50,000 franchise fee for each business, with its own agreement, and the startup estimate covers only one business. A multi-territory buyer should obtain a written explanation showing which current agreements, credits and Item 7 costs apply; the website table should not be used to manufacture a multi-unit total.
When is the money paid?
The largest fixed payment is the $50,000 franchise fee due when the agreement is signed. The remaining startup costs are generally paid before training, as equipment and coverage are arranged, at vehicle or lease commitments, and during the first three months after opening.
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1
Disclosure period before contract or payment
The FDD cover states that the disclosure document must be delivered at least 14 calendar days before a prospect signs a binding agreement or pays the franchisor or an affiliate. The FTC franchise buying guide explains the same federal disclosure timing.
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2
Agreement signing
The franchise fee is paid in full at signing and is nonrefundable. It covers training for the first two people, but not their travel and living expenses.
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3
Before and during Initial Training
The computer and tablet or smart phone must be obtained before training. Required software is arranged before or around training, and $1,700 to $4,200 of travel-related expenses are paid as incurred. Initial Training includes an approximately 50-hour home pre-training program and a two-week program generally held in Memphis.
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4
Pre-opening purchases and commitments
Supplies and equipment, coverage, the Service Vehicle down payment, the Service Vehicle Detail Package and $3,000 of Initial Marketing are paid as arranged or incurred. Optional lease and improvement costs begin when an outside location is committed.
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5
Opening and the first three months
The three-month reserve is spent as bills arise before opening and through month three. Monthly charges are reported by the 10th and currently paid electronically by the 20th of the following month.
Which fees continue after opening?
The main continuing obligations are sales-based charges, local advertising and a fixed technology payment. Required systems, Internet, coverage, vehicle costs and approved supplies also continue even when they are not all paid to the franchisor.
| Ongoing cost entity | Amount or basis | Timing | Important qualification |
|---|---|---|---|
| Royalty Fee | Greater of $250 per month or 7% of Gross Sales | Monthly | The $250 minimum is waived for a new franchisee’s first 12 months, but not for transfers or renewals. |
| National Advertising Fund Contribution | Greater of $150 per month or 2% of Gross Sales | Monthly | The $150 minimum has the same 12-month new-franchise waiver and the same transfer/renewal exclusion. |
| Local Advertising Spend | 2% of Gross Sales per quarter | As incurred | Paid to approved suppliers unless the franchisor requires the amount to be paid to it for local advertising. |
| Technology Fee | $200 per month | Monthly | Covers the CRM Operating System and related current or new technology and systems. |
| Required software and Internet | Basic Operating System disclosed at $0–$300 per month, plus other vendor subscriptions or per-work-order fees when required | Monthly or per work order | The disclosure does not state one all-in continuing software amount. |
Bars compare only the disclosed percentage rates. Monthly minimums and the fixed Technology Fee are shown separately in the table above.
Source: Furniture Medic 2026 FDD, Item 6, p. 7. The chart uses a 7% maximum scale and does not convert the percentages to annual dollars.
When the percentage rates control, the three displayed rates sum to a derived 11% of Gross Sales. That calculation excludes fixed technology and system costs, Internet, convention, MRN and conditional charges. The two “greater of” clauses mean the monthly minimums replace—not supplement—the percentage amounts when a minimum is higher.
The Gross Sales definition is broad. It generally covers amounts billed or earned in connection with the franchised business, including National Accounts Program and MRN work and certain related-party or subcontractor activity, subject to approved deductions. Unless otherwise specified, amounts are reported on an accrual basis when work is billed, regardless of whether the customer has paid.
Which fees arise only after a specific event?
The disclosure includes charges outside the normal monthly cycle. They become relevant when a business renews, transfers, attends required events, participates in the restoration network, changes ownership records, pays late or triggers an audit.
- Renewal — $2,000 per agreement The initial term is five years. Item 17 requires the fee at renewal and states that a franchise continuing month-to-month for more than 60 days without completing new agreements may face a 2.5-percentage-point increase in the Royalty Fee.
- Transfer — $7,000, with limited family exceptions The fee is $3,500 for a transfer to an owner’s adult child who is at least 18 and $0 for a transfer to an existing owner’s spouse. It is due before completion and requires prior approval.
- Franchisor-referred sale lead — greater of 3% of selling price or $10,000 Due at closing if a qualified lead referred by the franchisor buys all or part of an existing franchise owner’s business within 18 months. The FDD states that this Lead Fee is not a Transfer Fee.
- Additional training — $50 to $1,000 per person Optional programs are charged at then-current daily rates. An extra person attending the two-week Initial Training is charged $500 per person per week after the first two attendees, plus travel and living expenses.
- Annual convention — typically $750 to $1,000 per person The Convention Fee is due at registration and is owed regardless of attendance; travel and living expenses are separate.
- Medic Restoration Network — $75 per revenue-producing lead The MRN Lead Fee applies only to the MRN program and is currently charged in the second month after the lead. An unpaid MRN fee generates a $100 late fee for each month it remains unpaid.
- Reporting, payment and audit defaults A late fee report can generate $50; overdue balances accrue 1.5% per month or the legal maximum if lower. Audit costs are payable when the franchisee does not cooperate or an audit shows more than a 2% variance from reported Gross Sales.
- Administrative change or franchisor-procured coverage A qualifying ownership, entity, DBA or structure change can cost $200. If required coverage is not maintained or documented, the franchisee must reimburse the franchisor’s actual premium cost on demand.
Source for conditional charges: Furniture Medic 2026 FDD, Item 6, pp. 7–10; Initial Training details in Item 11, p. 21; renewal provisions in Item 17, p. 28.
What liquid capital and net worth thresholds are published?
The official U.S. franchise page currently lists $50,000 of Liquid Capital and $150,000 of Net Worth. Liquid Capital is cash or cash-like funding available to deploy; Net Worth is the value of assets minus liabilities and is not the same as cash available for startup payments.
- Estimated Initial Investment
- The current disclosure’s official startup-cost range for one business, shown in the answer band above.
- Liquid Capital
- The cash-availability threshold shown on the official franchise page, checked July 18, 2026. It does not prove that the entire startup can be funded with that amount of cash.
- Net Worth
- The balance-sheet threshold shown on the same page. It can include non-cash assets and should not be treated as a substitute for an operating cash reserve.
- Personal Guarantee
- Item 15 requires owners holding 10% or more of an entity’s equity to sign a Guaranty of Franchisee’s Obligations; spouses without ownership sign an acknowledgement concerning reliance on joint assets.
The official franchise page also shows “Total Investment $85,000,” which is below the current FDD minimum of $87,645. The June 22, 2026 FDD controls the disclosed initial-investment range. The website figure should be treated as marketing-page shorthand, not as a replacement for Item 7.
Does the franchisor offer financing?
No. Item 10 states that neither TCB Furniture Medic, LLC nor its affiliates offer direct or indirect financing or guarantee a note, lease or obligation. The franchisor may refer candidates to banks or third-party lenders, but the FDD says it has no arrangements with those lenders and receives no benefit if financing is obtained.
External funding remains lender-dependent. The SBA loan-program overview explains common uses such as operating cash, equipment and fixed assets, while the SBA Franchise Directory is a lender eligibility tool rather than an endorsement or approval. Financing approval is not guaranteed.
Is there a veteran discount?
Yes. Item 5 states that a qualifying honorably discharged U.S. veteran, or a qualifying majority-owned franchisee entity, receives 10% off the $50,000 Initial Franchise Fee. That is a $5,000 reduction to the franchise fee only; it does not reduce equipment, coverage, vehicle, marketing or the three-month reserve. The FDD identifies the discount with the International Franchise Association’s VetFran program.
What costs are not fully resolved by Item 7?
The Item 7 range is a franchisor estimate, not a complete local budget. Several obligations are excluded, represented only by a down payment or left dependent on location, staffing, credit, vehicle choice and the selected startup configuration.
- Owner compensation is excluded. The three-month reserve does not include the owner’s salary or living expenses.
- Payroll is excluded from the reserve. The three-month estimate assumes the owner runs the business alone and excludes wages, benefits and payroll taxes.
- Workers’ Compensation premiums are excluded from the policy estimate. The agreement nevertheless requires coverage with at least $500,000 of employer’s liability coverage for employees.
- The Service Vehicle amount is only a down payment. Taxes, tags, title and extra options are excluded, and the amount varies with vehicle model and credit. A used vehicle is permitted, but no Service Vehicle in use may be older than seven years.
- Equipment freight and taxes are additional. The $5,000 to $23,000 range excludes shipping, handling and applicable sales tax.
- Policy pricing varies by state. The quoted premium estimate is based on one van and no more than two employees and is not available in Alaska or Hawaii.
- System costs can extend beyond the Item 7 first-month amount. Some National Accounts Program customers require third-party subscriptions and per-work-order fees; the disclosure does not give one total for all future systems.
- Additional assets can exceed the official high total. The disclosure states that extra equipment, products, supplies and vehicles can make the actual investment higher than $178,350.
What should a prospective franchisee verify before signing?
A buyer should reconcile the selected unit configuration, territory count, local vehicle and coverage quotes, staffing plan and lender terms against the current FDD and final agreement. Those details determine whether the official low end is achievable or whether the project moves toward or beyond the high end.
- Confirm that the delivered FDD and any state addenda are the latest versions, and compare the fee and investment tables with the final agreement.
- Obtain a written equipment list and price for the mobile or shop-plus-mobile configuration; the disclosure does not separate their total investments.
- Reconcile the official website’s multi-territory fee table with the $50,000-per-Franchised-Business language in Item 5 and identify every required agreement.
- Price the Service Vehicle, detail package, required coverage and any outside Office using local quotes, including taxes, freight, permits and Workers’ Compensation.
- Build a three-month cash schedule that preserves the disclosed three-month reserve while separately covering payroll and the owner’s living expenses.
- Review the Gross Sales definition and every recurring charge without converting percentage fees into unsupported annual dollar estimates.
The official startup range is driven chiefly by the cash reserve, optional premises, supplies and equipment, and coverage. It remains separate from financial qualifications and does not eliminate continuing Gross Sales-based or event-triggered charges.