Cash Converters
The second-hand economy, formalised.
Independent, publicly sourced franchise intelligence for prospective buyers.
How much does a Cash Converters franchise cost in Australia?
The total initial investment for a Cash Converters franchise in Australia is $200,000–$400,000 (estimated total entry cost), based on publicly available figures.
The full report breaks down every cost category and how controllable each one is.
What are Cash Converters's franchise fees and royalties?
Cash Converters's published fees — royalty: 5% of gross sales; marketing levy: 2% of gross sales.
The full report maps the complete fee architecture and how each fee behaves as revenue moves.
Is a Cash Converters franchise a good investment?
Independent analysis gives Cash Converters a weighted risk score of 4.7 out of 10 — Moderate Risk. That is a finding, not a recommendation: suitability depends on the buyer's capital, experience, and risk tolerance.
What drives the score, and which buyer profiles the model suits, is detailed across five risk dimensions in the full report.
Overall Risk Score
4.7
out of 10
Risk Classification
Moderate Risk
Highest Risk Area
Operational Risk
6 / 10
Report Overview
Cash Converters is one of Australia's most recognised second-hand goods and financial services retail franchises. Founded in Perth in 1984 and backed by an ASX-listed parent company (Cash Converters International Limited, ASX: CCV), the network operates approximately 150 stores across Australia. Franchisees buy, sell, and trade pre-owned electronics, jewellery, tools, sporting goods, and more, while also offering personal finance products including personal loans and cash advances. This report provides a comprehensive, independent analysis of the Cash Converters franchise opportunity.
System Snapshot
What's in the Cash Converters Report
Executive Intelligence Summary
Cash Converters International Limited (ASX: CCV) is one of Australia's most recognised retail franchise brands, operating approximately 150 stores nationally.
Structural Economics
Observation: Cash Converters stores generate revenue through three primary channels: retail margin on second-hand goods (buy low, sell higher), financial services products (personal loans, cash advances), and ancillary services (phone unlocking, repairs, layby).
Cost and Fee Architecture
The cost structure of a Cash Converters franchise is characterised by a moderate fee burden, a uniquely variable cost of goods, and significant working capital requirements for inventory acquisition.
Network Dynamics and Market Position
With approximately 150 stores across Australia, Cash Converters has a mature, nationally distributed network.
Operator Reality
A Cash Converters store typically operates six to seven days a week, with standard retail hours (approximately 8:30am–5:30pm weekdays, with reduced weekend hours).
Profitability Structure
Cash Converters store-level profitability is driven by the interaction of four primary variables: (1) gross margin on purchased goods, (2) inventory turn rate, (3) financial services revenue contribution, and (4) the rent-to-revenue ratio.
Final Intelligence Assessment
Cash Converters is a distinctive franchise system — one of the few in Australia that combines physical retail with regulated financial services under a nationally recognised brand.
Risk Scores Preview
Inventory capital lock-up, margin variability on second-hand goods, regulatory pressure on financial services revenue
Regulatory exposure on lending products, ASX-listed parent priorities, evolving second-hand marketplace competition
Valuation skill dependency, theft/shrinkage exposure, inventory management complexity
Online marketplace disruption (Facebook Marketplace, Gumtree, eBay), economic cycle sensitivity
Second-hand dealer licensing, financial services compliance, stolen goods liability
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Best suited for
- Prospective franchisees evaluating Cash Converters
- Buyers comparing multiple franchise opportunities
- Accountants or lawyers advising franchise clients
- Anyone conducting franchise due diligence
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- Saves 20+ hours of independent research
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Brand reports are compiled from publicly available data and independent research. FranchiseInsights is not affiliated with any franchise brand. Information may not be current. Verify all data independently before making decisions. Produced under the FranchiseInsights Editorial Standard.