Franchise opportunities compared
BNI vs Murphy Business And Financial
Reviewed figures from each brand's Franchise Disclosure Document (FDD), side by side. Each figure carries its FDD year and page. This is not a ranking or recommendation, and the two FDDs may cover different years and location groups.
Initial investment · Item 7
BNI
$53,410 – $270,070
2025 FDD · Item 7Murphy Business And Financial
$65,870 – $88,110
2026 FDD · Item 7Initial franchise fee · Item 5
BNI
$35,000
2025 FDD · Item 5 · PDF p. 18Murphy Business And Financial
$47,500
2026 FDD · Item 5 · PDF p. 13Royalty · Item 6
BNI
20%
2025 FDD · Item 6 · PDF p. 20Murphy Business And Financial
10%
2026 FDD · Item 6 · PDF p. 14Before you compare
- BNI figures come from its 2025 FDD and Murphy Business And Financial figures from its 2026 FDD, so the years differ.
- BNI and Murphy Business And Financial disclose more than one business format, so the investment range spans formats; the full report breaks them out.
- Item 19 figures cover the location groups each FDD names (BNI: 2, Murphy Business And Financial: 11). Different groups are not directly comparable.
Financial commitment
BNI
Murphy Business And FinancialBNI
Murphy Business And Financial
BNI
Murphy Business And Financial
BNI
Murphy Business And Financial
BNI
Murphy Business And Financial
System scale & health
BNIMurphy Business And FinancialBNI
Murphy Business And Financial
BNI
Murphy Business And Financial
BNI
Murphy Business And Financial
BNI
Murphy Business And Financial
BNI
Murphy Business And Financial
Financial performance (Item 19), by location group
BNIMurphy Business And FinancialItem 19 groups are shown separately and never combined. Revenue or sales figures are not profit. Net outlet change and turnover are Franopolis calculations from the disclosed counts; turnover is a count-based rate, not a measure of owner earnings.
BNI vs Murphy Business And Financial: common questions
- Which costs less to open, BNI or Murphy Business And Financial?
- BNI: $53,410 – $270,070 (2025 FDD · Item 7); Murphy Business And Financial: $65,870 – $88,110 (2026 FDD · Item 7). These are each franchisor's Item 7 estimated initial investment. The low end of the disclosed estimate is lower for BNI. At least one range spans several business formats. Estimates are not quotes, and the FDD years may differ.
- How do BNI and Murphy Business And Financial royalties compare?
- BNI: 20% (2025 FDD · Item 6 · PDF p. 20); Murphy Business And Financial: 10% (2026 FDD · Item 6 · PDF p. 14). Royalties as disclosed in Item 6; other recurring fees are listed separately.
- Which has more locations, BNI or Murphy Business And Financial?
- BNI: 191 (2025 FDD · Item 20 · PDF p. 52); Murphy Business And Financial: 134 (2026 FDD · Item 20 · PDF p. 48). Total outlets from Item 20. Outlet counts do not indicate territory availability or franchisee results.
- Do BNI and Murphy Business And Financial disclose financial performance (Item 19)?
- BNI has reviewed Item 19 figures for 2 location groups; Murphy Business And Financial has reviewed Item 19 figures for 11 location groups. Different location groups are not directly comparable, and revenue is not profit.
Answers restate the reviewed figures above. Not a ranking or recommendation.
Keep researching
Full BNI report
Every reviewed fee, Item 19 group, outlet table and territory disclosure
Full Murphy Business And Financial report
Every reviewed fee, Item 19 group, outlet table and territory disclosure
