LOYALTY BUSINESS SERVICES
Key figures
| Initial franchise fee | $35,000 |
| Total investment (Item 7) | $48,200 – $89,700 |
| Royalty (Item 6) | 10% of gross sales |
| Headquarters state | VA |
| Legal name (Item 1) | LOYALTY BUSINESS SERVICES LLC |
| FDD issuance date | 2025-04-29 |
| Franchised units (Item 20) | 16 (Item 20, p.48) |
| Brand website | https://www.ledgersusa.com |
About LOYALTY BUSINESS SERVICES
We have not operated a business of the type being franchised or engaged in any other line of business, however, we do also offer Area Representative franchises to solicit and support unit franchisees. Loyalty, LLC offers franchise sales assistance to us and to the affiliate companies listed below. TERRITORY (Item 12): territory is NOT exclusive - the FDD states you will not receive an exclusive territory.
Due diligence dossier
Every figure below is as disclosed in this brand's own FDD, with its FDD citation. FranchiseKI adds no analysis and estimates nothing.
Unit history (Item 20)
| Year | Franchised | Company-owned | Total |
|---|---|---|---|
| 2023 | 4 | 0 | 4 |
| 2024 | 2 | 0 | 2 |
| 2025 | 16 | 0 | 16 |
Source: Item 20, p.48 of the brand's FDD.
Risk & history facts
| Closures in the last 3 years | 6 (Item 20, p.48-51 of the FDD) |
| Transfers in the last 3 years | 0 (Item 20, p.48-51 of the FDD) |
| Litigation matters disclosed (Item 3) | 5 (Item 3, p.12 of the FDD) |
| Bankruptcy (Item 4) | No bankruptcy disclosed (Item 4) (Item 4, p.16 of the FDD) |
Litigation summary (Item 3): Disclosed matters include two pending actions involving fraud, breach of contract, and fiduciary duty claims against the franchisor and its parent, and five concluded actions involving trade dress, breach of contract, and fiduciary duty claims, most of which were settled. (Item 3, p.13-18 of the FDD)
Ownership & operations
| Owner-operator required | Yes (Item 15, p.41 of the FDD) |
| Absentee ownership allowed | No (Item 15, p.41 of the FDD) |
| Typical time to open | 4 months (Item 11, p.26 of the FDD) |
Territory description (Item 12): The territory is a specific geographic region defined by zip codes or boundaries, normally including a minimum population of 65,000. It is a protected territory where the franchisor promises not to establish a company-owned or franchised location, but it is not exclusive. (Item 12, p.36-39 of the FDD)
Training: We provide an Initial Training program in Newmarket, Ontario, Canada, another designated training location, or online, at our choosing. (Item 11, p.26 of the FDD)
Ongoing support:
- Operational Support
- Marketing Support
- Computer Hardware and Software
- Central Processing
- Additional Training or Seminars
- Advertising Program and Fund
- Corporate Website
- Digital Marketing
Source: Item 11, p.31 of the brand's FDD.
Company facts
| Headquarters | Virginia Beach, VA (Item 1, p.8 of the FDD) |
| Years in business | 6 (Item 1, p.8 of the FDD) |
| Years franchising | 6 (Item 1, p.8 of the FDD) |
| Parent company | Loyalty, LLC (Item 1, p.8 of the FDD) |
| Initial term | 10 years (Item 17, p.38 of the FDD) |
| Veteran discount | Offered (Item 5, p.16 of the FDD) |
| Advertising / brand fund fee | 3% of gross sales (Item 6, p.17 of the FDD) |
| Company-owned units | 0 (Item 20, p.48-51 of the FDD) |
| Projected new units | 22 (Item 20, p.48-51 of the FDD) |
Questions to ask the franchisor
Generated from what this brand's FDD data does not disclose — ask LOYALTY BUSINESS SERVICES directly:
- What liquid capital does the franchisor require of a new franchisee? It is not disclosed in the FDD data we hold for this brand.
- What minimum net worth does the franchisor require? It is not disclosed in the FDD data we hold for this brand.
- Does the franchisor make financial performance representations (Item 19)? If it does, ask for the average unit revenue. Ask for the median too. This FDD makes none that we could extract.
Territory — what the FDD says (Item 12)
Under this brand's Item 12 rule, you do not receive an exclusive territory. The franchisor may sell additional franchises in the same area. It may also operate company units there. Or it may sell through other channels. No area is reserved for you. No area is closed to you by another franchisee's exclusivity either. Placement is the franchisor's decision.
The FDD's own words (Item 12): “territory is NOT exclusive - the FDD states you will not receive an exclusive territory.”
Availability
Because this brand grants no exclusive territory, there are no territory-based exclusions: no area is reserved for an existing franchisee, and no area is reserved for you. Whether a new unit is placed anywhere is the franchisor's decision under Item 12.
Next steps with LOYALTY BUSINESS SERVICES
Put LOYALTY BUSINESS SERVICES on a shortlist. Compare it side by side with two other brands. Check it against your budget in the PerfectFit Quiz. Or talk it through with a vetted consultant. That conversation is free to buyers; call (385) 475-5319. Only the franchisor can confirm current terms. Only the franchisor can confirm territory availability.