Start costsare considered out of pocket costs, or the amount of money you will need upfront to get started with a franchise. This amount can vary in relationship to your personal budget needs, amount financed, and equipment needs.
Total investment cost includes money out of pocket and loans to finance your initial franchise investment. Your total investment differs from start-up costs, which are required for you to launch your business.
A comparison can be made between buying a home and starting a business. An initial down payment on the home (start cost) will get you moved in, and the mortgage (total investment cost) are required to continue living there.
Matco Tools Total Franchise Costs
Total Investment Range
Fees & Reserves$37,000 – $45,500+
Initial Franchise Fee$10,000
Acquisition & Establishment of Time Payment Reserve$22,000
Additional Funds — 3 months' living expenses (reserve)$5,000 – $13,500
Inventory & Credit$59,700 – $101,325+
Initial Inventory$55,000 – $92,000
Time Payment Line of Credit (if applicable)$4,700 – $9,325
Mobile Store$3,920 – $211,633+
Mobile Store Lease$3,920 – $211,633
Technology & Operating Setup$6,959 – $24,308+
Computer Hardware$3,100 – $4,200
Computer Software & Internet Service — 3 months' payments$2,050 – $3,250
Insurance — 3 months' premiums$795 – $3,591
Travel, Lodging and Meals (for training)$179 – $3,015
Professional Services (accountant, legal help for you)$310 – $5,852
Fixtures, Supplies, Licenses$525 – $4,400
Total Investment
$108,079.50 – $382,766
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What’s Included & Why It Matters
✔ Complete initial tool inventory + branded truck
✔ Fully equipped mobile store setup (no retail location needed)
✔ Comprehensive onboarding & field training support
✔ Protected route / exclusive territory
✔ Ongoing marketing, field & business support
✔ $0 royalty fees & no advertising or franchise fees
✔ In-house financing options for qualified candidates
Compare to Other Franchises
Many tool concepts require $300K–$500K+ to start. Matco’s model helps qualified owners get started for less while keeping quality, training, and route support strong.
Average Revenue (Total Completed Business): Based on Matco’s published Item 19 data, the middle third of distributors average $489,391 in annual total revenue, and the top third average $766,817. Results vary by market, tenure, and execution.
See Item 19 (“Financial Performance Representations”) of the current FDD for definitions, methodology, and complete notes. Past performance is not a guarantee of future results.
Franchise InvestmentOverview
Matco, backed by one of the largest companies in the country, handles all franchise investment financing in our office.
If you qualify, Matco can finance:
• Up to $92,000of the initial inventory
• Time Payment Reserve (all or part)
• $30,000to cover other startup expenses
Each situation varies based on your finances, however, the investment needed for a new franchisee can be relatively low compared to other franchise opportunities.
Multiple Ways toFinance Your Future
Matco helps qualified candidates get started with smart, flexible financing built around the mobile tool business model.
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Matco In-House Financing
Purpose-built financing directly through Matco, designed for franchise owners.
Streamlined approvals with Matco’s finance team
Apply funds toward inventory and startup costs
Weekly payments aligned to route cash flow
No royalties or advertising fees
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Equipment Financing
Finance your truck and tools with flexible options for new or used vehicles.
Lower upfront cash requirements
Use equipment as collateral
Options for both new and used trucks
Tax advantages may apply
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Creative Ways to Pay
Beyond traditional loans, explore flexible paths that help you secure your route.
401(k) rollovers (ROBS programs)
Investor or partnership funding
Family financing assistance
Bridge or short-term options for quick starts
*Matco requires no ongoing royalty or advertising fees. Financing programs, eligibility, and terms vary by candidate. See the current FDD (Items 7 & 10) and speak with our financing team for details.
