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WCH Service Bureau Franchise FDD, Costs & Fees (2025)

WCH Service Bureau is a business-services franchise offering medical-billing, credentialing and revenue-cycle-management solutions, serving healthcare providers and practices, and known for proven software, low-cost startup package, and strong remote-model support.

WCH Service Bureau began operating in 2001 in New York, focusing on revenue-cycle management solutions for healthcare providers. Over time, the company expanded its capabilities and now runs its operations from Brooklyn, New York. Its services cover medical billing, credentialing support, auditing, eligibility verification, and consulting aimed at improving practice performance.

The company has also developed its own technology suite, including the PMBOS billing platform, the iSmart electronic health record system, and the CredyApp credentialing tool. These systems give the business a strong technological foundation and streamline key administrative processes.

In 2017, WCH Service Bureau introduced a franchise model that allows entrepreneurs to build a healthcare-support business backed by an established brand. Franchisees benefit from WCH’s proven methods and robust operational structure.

The organization differentiates itself through its proprietary software, nearly two decades of industry expertise, and a well-rounded support network. Its franchise model is positioned to meet the increasing demand for outsourced administrative services and complex reimbursement management within the healthcare sector.

Initial investment

Here's what you would need to invest if you were to start this franchise. These costs are provided by the franchisor in the Franchise Disclosure Document.

Type of Expenditure Amount
Initial Fee $24,999 – $24,999
Equipment $7,000 – $8,500
Furniture $300 – $400
License $300 – $400
Insurance $1,000 – $2,000
Rent $4,000 – $8,000
Employee Salaries $10,000 – $15,000
Accountant Consultation $1,000 – $2,000
Advertising Fee $1,000 – $2,000
Marketing $1,000 – $2,000
Additional Funds (First 3 Months) $2,000 – $5,000
Costs and Attorneys’ Fees $2,000 – $5,000
Total $54,599 – $75,299
Type of Expenditure Amount
Initial Fee $24,999 – $24,999
Equipment $7,000 – $8,500
Furniture $300 – $400
License $300 – $400
Insurance $1,000 – $2,000
Rent $4,000 – $8,000
Employee Salaries $10,000 – $15,000
Accountant Consultation $1,000 – $2,000
Advertising Fee $1,000 – $2,000
Marketing $1,000 – $2,000
Additional Funds (First 3 Months) $2,000 – $5,000
Costs and Attorneys’ Fees $2,000 – $5,000
Total $54,599 – $75,299

WCH Service Bureau

2024

Franchise Disclosure Document

Number of units

Training

The training provided by WCH Service Bureau Franchising, LLC is structured and divided into specific stages to ensure the franchisee and their team are fully prepared to operate under the WCH system. Here is a numbered explanation of the training programs:

  1. Initial Training Program
    The Franchisor provides initial training to the franchisee (or their Designated Operator) and the Designated Manager before the business opens. This program is typically delivered within 30 days preceding the opening of the franchise, depending on trainer availability. Training takes place at the Franchisor’s headquarters or a designated training facility.
  2. Manuals and Reference Materials
    Before the training begins, the Franchisor loans the franchisee copies of the confidential Operating Manuals, which include mandatory and suggested standards and procedures. These manuals consist of a Business Book, Employee Handbook, and Billing Manual totaling 279 pages.
  3. Ongoing Training
    After opening, the Franchisor may provide additional training at the franchisee’s request. This includes:
    • WCH University Training: For onboarding new or replacement instructors to deliver approved services as Authorized WCH Instructors.
    • Master Training: Available for one instructor who has demonstrated high proficiency. All associated costs, including trainer fees and expenses, are borne by the franchisee.

Territory Protection

WCH Service Bureau Franchising, LLC does not offer exclusive territory protection to its franchisees. The Franchise Agreement explicitly states that franchisees will not receive an exclusive territory, meaning they may face competition from other WCH franchises, company-owned locations, or even alternative distribution channels controlled by the franchisor.

The franchise is not tied to a specific protected location, and there are no restrictions on soliciting or accepting orders outside of designated areas. Additionally, WCH reserves broad rights to open and license other franchises, operate competing businesses under different trademarks, and distribute services through multiple channels including the internet.

This means franchisees do not have protection from encroachment, nor do they have rights to revenues generated through other franchised outlets or franchisor-operated platforms. The franchisor also retains the sole authority over internet sales, advertising approval, and control over how the brand is represented online.

Competitors

Below are some of

WCH Service Bureau

key competitors in the

Other Financial Services

sector.

Franchise
Franchisees
Initial fee
Total investment
Revenue
Sign up
Gross Profit
Sign up
EBITDA
Sign up

0

New
+
n.a.
n.a.

$24,999

$55,000

$75,000

n.a.

$0

$xxx,xxx

n.a.

xx%

n.a.

n.a.

xx%

n.a.

Competitors

United Check Cashing

United Check Cashing is a financial services franchise offering check cashing, bill payment, money transfers, and related services, serving underbanked and convenience-focused consumers, and known for community bank–like storefronts, extended hours, and streamlined alternatives to traditional bank accounts.

Franchisees

?

48
+
-25%
-25%
Investment

?

$226,000 - $297,000

WCH Service Bureau

WCH Service Bureau is a business-services franchise offering medical-billing, credentialing and revenue-cycle-management solutions, serving healthcare providers and practices, and known for proven software, low-cost startup package, and strong remote-model support.

Franchisees

?

0
+
n.a.
n.a.
Investment

?

$55,000 - $75,000

Lendio

Lendio is a financial services franchise that operates as a small business loan marketplace, connecting entrepreneurs with a network of lenders to secure funding. Franchisees assist local businesses in obtaining loans, leveraging Lendio's technology and lender partnerships to streamline the financing process.

Franchisees

?

121
+
116%
116%
Investment

?

$46,000 - $117,000

Family Financial Centers

Family Financial Centers is a financial services franchise providing check cashing, bill payment, and small business banking solutions.

Franchisees

?

55
+
4%
4%
Investment

?

$224,000 - $309,000

Booxkeeping

Booxkeeping is a bookkeeping franchise offering outsourced financial management, tax services, and business consulting for entrepreneurs and startups.

Franchisees

?

4
+
300%
300%
Investment

?

$62,000 - $69,000

TAB

TAB (The Alternative Board) is a business coaching franchise offering peer advisory boards and executive coaching, helping business owners achieve their personal and professional goals.

Franchisees

?

101
+
-21%
-21%
Investment

?

$54,000 - $97,000

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