Valyn - Wealth Creation
Franchise, or a Cash ISA? See both, side by side.
A franchise proposition is priced for optimism. This tool runs your numbers through the full 20-year model so you see what the business actually pays you before you sign anything. Shown here with a real, published McDonald's UK franchise as the starting example. Change any figure below to model any franchise you are actually considering.
375,000typical capital
at risk, day one (example)
at risk, day one (example)
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20-year outcome
Franchise cumulative net cash
0
Owner salary plus dividends after loan, tax, and refit
Cash ISA, same capital
0
Same starting capital, compounding tax-free
FranchiseCash ISA
| Year | Net sales | Franchise net cash | ISA balance |
|---|
What this base case does not price in
- No residual asset at exit. A fixed-term franchise agreement can end with nothing left to sell.
- Personal guarantee. The bank loan will almost certainly require one.
- Illiquidity. Capital is locked in for the agreement term. Exit requires the franchisor's approval.
- Wage inflation. A 1pp rise in labour cost at minimum EBITDA can remove profit entirely.
- Single-site concentration. One site, one location, no diversification.
- System risk. A brand incident anywhere in the franchise network affects every franchisee.
- Owner-operator time. Full-time presence required, especially in early years.
- Compliance exposure. Food hygiene, health and safety, employment law, and GDPR all carry cost and fine risk.
Illustrative only. Not financial or legal advice. Default figures are based on publicly available McDonald's UK franchise disclosure data, June 2026. Enter your own franchise's numbers above to model any opportunity.
© Smorfitt Group. Prepared by Valyn.