Page 34 Aaron’s FDD 2026 81668373v5 To lease the above-mentioned hardware from Aaron’s, you must sign an “Equipment Lease” agreement with Aaron’s (See Exhibit C of the Franchise Agreement). The term of the lease will be for 3 years. The rate will be determined based on the then current retail costs of the specific hardware items ordered. If Aaron’s requires you to purchase the above-mentioned hardware, you may be required to purchase new hardware every 3-4 years. The purchase price will be determined based on the then current retails costs of the specific hardware items ordered. Item Function Server the file server for your computer system Workstations work stations UPS battery backup system for power failures Monitors monitors for your computer system Handheld PC (bar code reader) scans bar codes on inventory MS SQL Server 2005 or later database software Thermal printers prints receipts Bar Code Printer prints bar code stickers Laser printer prints price tags and agreements Windows 10 or newer (Windows 11) operating system for the server and workstations Cables and miscellaneous parts (must interconnect system components purchase, not lease) 16-port switch (must purchase not lease) connects computer components Meraki 24-port switch (must purchase not connects computer components lease) Meraki Firewall Network rules and filters Meraki Wireless Access Points Provides Wireless Networks StoreD, StoreT, and StoreP CloudeGenix ion 2000/3000 SD/Wan LTE Cradlepoint LTE backup connectivity Ingenico Lane 7000 Customer Facing Payment devices Fiserv SRed Keypads Payment device Rapid Customer Onboarding Kiosk Approval Kiosk for customers Tablets Digital Checkout device
From the filings
Aaron's and Aaron's Sales & Lease Ownership
Retail non foodAt Aaron's and Aaron's Sales & Lease Ownership, technology purchasing runs through corporate: franchisees must lease their computer hardware and point-of-sale software directly from Aaron's rather than choosing their own systems, and must use Aaron's designated third-party payment processor for online payments. Item 11 also lists the hardware franchisees must lease or purchase from Aaron's by name, including Ingenico Lane 7000 customer-facing payment devices, Fiserv SRed keypads, Meraki switches, firewall and wireless access points, MS SQL Server and Windows 10 or newer. With 224 franchised locations inside a 1,162-unit system, the buying center for any tech pitch is Aaron's HQ, not individual franchisees.
For software vendors selling into US franchise brands.
Live signals
Ordinary royalty terms
6% component; full terms unconfirmed
Complete royalty terms are not confirmed for the selected filing.
Recorded percentage components
These are recorded percentage components. Each has its own base and conditions; the chart does not state the total payment or confirm ad-fund completeness.
1recorded components (FY2026)
15% reference
Mandated & recommended tech
The systems vendors compete with
Systems named in Item 11 of this filing. None is recorded as mandated here, which is not the same as the filing mandating nothing. Read Item 11 before treating the category as open.
Page 34 Aaron’s FDD 2026 81668373v5 To lease the above-mentioned hardware from Aaron’s, you must sign an “Equipment Lease” agreement with Aaron’s (See Exhibit C of the Franchise Agreement). The term of the lease will be for 3 years. The rate will be determined based on the then current retail costs of the specific hardware items ordered. If Aaron’s requires you to purchase the above-mentioned hardware, you may be required to purchase new hardware every 3-4 years. The purchase price will be determined based on the then current retails costs of the specific hardware items ordered. Item Function Server the file server for your computer system Workstations work stations UPS battery backup system for power failures Monitors monitors for your computer system Handheld PC (bar code reader) scans bar codes on inventory MS SQL Server 2005 or later database software Thermal printers prints receipts Bar Code Printer prints bar code stickers Laser printer prints price tags and agreements Windows 10 or newer (Windows 11) operating system for the server and workstations Cables and miscellaneous parts (must interconnect system components purchase, not lease) 16-port switch (must purchase not lease) connects computer components Meraki 24-port switch (must purchase not connects computer components lease) Meraki Firewall Network rules and filters Meraki Wireless Access Points Provides Wireless Networks StoreD, StoreT, and StoreP CloudeGenix ion 2000/3000 SD/Wan LTE Cradlepoint LTE backup connectivity Ingenico Lane 7000 Customer Facing Payment devices Fiserv SRed Keypads Payment device Rapid Customer Onboarding Kiosk Approval Kiosk for customers Tablets Digital Checkout device
Franchisor behaviours
What the franchisor requires
23 requirements the franchisor states in this filing, each in its own words; 5 explicit no's; 6 questions the text does not settle, which is not a no.
Accounting
Must the franchisee use an accounting or bookkeeping system designated or approved by the franchisor?
YesFranchise agreement
Franchisee shall maintain and utilize the record keeping system contained in the program for Franchisee’s customer, payment and inventory records.
Does the franchisor have direct or independent electronic access to the franchisee's financial, sales or customer records?
YesItem 10
Aaron’s will have independent access to all information and data in your computer system, and the Franchise Agreement does not limit Aaron’s right to access this information or data.
Must the franchisee submit periodic financial statements (monthly, quarterly or annual) to the franchisor?
YesFranchise agreement
days after the end of each calendar month, a profit and loss statement of the Store for the preceding month and a cumulative profit and loss statement and balance sheet from the beginning of Franchisee’s fiscal year to the end of such preceding month, each such report being in a form approved by Franchisor and signed…
How the franchisor buys
Is the franchisor or an affiliate itself a supplier of required products, services or systems?
YesItem 8
Aaron’s or its affiliates may be an approved supplier of any product or service, and Aaron’s or its affiliates may be the sole approved supplier of any product or service.
Is there a franchisee advisory council, association or committee?
YesItem 20
The following independently organized franchisee association has asked to be included in this disclosure document: Aaron’s Franchise Association, Inc.
Does the franchisor reserve the right to change designated suppliers or systems at any time?
YesFranchise agreement
Franchisee acknowledges and agrees that from time to time hereafter Franchisor may change or modify the System as Franchisor deems appropriate, including, without limitation, to reflect the changing market and/or to meet new and changing consumer demands, and that variations and additions to the System may be…
Does the franchisor or an affiliate receive rebates, commissions or other revenue from designated or approved suppliers?
YesItem 8
Aaron’s remits to its franchisees their pro rata share (based on the amount of purchases franchisees made) of rebates from certain third-party suppliers.
Item 8 gives this proportion in one of two shapes: separate percentages for establishing the business and for operating it, or one figure covering "establishing and operating" together. Where they are separate, answer with the operating percentage; where the passage gives only the combined figure, answer with that. What percentage of the franchisee's purchases must come from designated or approved suppliers?
100Item 8
Aaron’s estimates that the cost of products to be purchased in accordance with its specifications will represent nearly 100% of your total purchases in establishing the Store, and that purchases of these items will represent nearly 100% of your overall purchases in operating the Store.
Can a franchisee propose a new supplier for the franchisor's approval?
YesItem 8
If you wish to obtain any product from an unapproved supplier, you must submit to Aaron’s a written request for approval.
Communications
Does the franchisor own or control the business telephone numbers, or take them over when the agreement ends?
YesFranchise agreement
Franchisee acknowledges that as between Franchisor and Franchisee, Franchisor has the sole rights to and interest in all telephone numbers, post office boxes and directory listings associated with any of the Marks.
Data and IT
Must the franchisee comply with PCI, data-security or cybersecurity standards set by the franchisor?
YesItem 2
Franchisee shall comply with all applicable federal, state, and local laws, rules, and regulations, as the same may be amended or supplemented from time to time, pertaining in any way to the privacy, confidentiality, security, management, disclosure, reporting, and any other obligation related to the possession or…
Franchise management
Does the franchisor conduct periodic inspections, audits or evaluations of the franchised business?
YesFranchise agreement
Franchisor, through its employees and any agents designated by Franchisor from time to time, may at any time during business hours, and without prior notice to Franchisee, enter upon and inspect the Store premises and examine Franchisee’s operation of the Store, inventory, business records, invoices, payroll records…
Can the franchisor change the operations manual and brand standards unilaterally?
YesItem 10
Aaron’s reserves the right to add or subtract materials from the Confidential Operating Manuals at any time.
Must the franchisor approve the franchisee's site or location before opening?
YesItem 10
You must submit to Aaron’s, and Aaron’s must approve in writing, the Designated Location (Franchise Agreement, Section 6.2).
Marketing
Is the franchisee prohibited from operating its own website or social media accounts, or required to use pages the franchisor provides?
YesFranchise agreement
Franchisee shall not directly or indirectly create or use any website in connection with the Store unless Franchisor expressly consents thereto.
Is the franchisee required to spend a minimum amount on local advertising or marketing, as a percentage of sales or a fixed amount?
YesItem 11
you must spend in each month at least 4.5% of your monthly Gross Revenues to conduct advertising, unless otherwise approved in writing by Aaron’s
Operations
Must the franchisee buy products from a designated distributor?
YesItem 8
You may not buy from any supplier that Aaron’s has not yet approved in writing, and you must stop buying from any approved supplier whom Aaron’s subsequently disapproves.
Must equipment be purchased from designated or approved suppliers?
YesItem 8
You may not buy from any supplier that Aaron’s has not yet approved in writing, and you must stop buying from any approved supplier whom Aaron’s subsequently disapproves.
Payments
Must the franchisee use a payment processor or merchant-services provider designated or approved by the franchisor?
YesFranchise agreement
As a participant in the VIP-Program, Franchisee shall use Franchisor’s designated third-party payment processor, for online payments.
Are royalties and other fees collected by automatic bank debit (ACH or electronic funds transfer) from the franchisee's account?
YesItem 6
ITEM 6 OTHER FEES Type of Fee Amount Due Date Remarks Continuing 6% of Gross Revenues Withdrawn by Aaron’s will withdraw continuing License Fee1 Aaron’s weekly license fees via EFT from a specified bank account Ad Production If established, the lesser of $3,750 Same as Continuing Used to contribute to a fund Fund per…
Point of sale
Must the franchisee use a specific point-of-sale system designated or approved by the franchisor?
YesItem 10
You must use the computer hardware Aaron’s provides and the POS (Point of Sale) software program for the computerization of your customer and payment records, inventory control and other operational aspects of the Store (Section 7.13).
Does the franchisor have independent access to the data in the franchisee's POS or computer system?
YesItem 10
Aaron’s will have independent access to all information and data in your computer system, and the Franchise Agreement does not limit Aaron’s right to access this information or data.
Training
Can the franchisor charge the franchisee for additional, refresher or remedial training?
YesFranchise agreement
Franchisor shall periodically conduct advanced training programs at various locations, which Franchisee and/or Franchisee’s employees may attend free of charge.
The filing answers no to 5 questions
- Must the franchisee participate in a customer-satisfaction or net-promoter survey program?Item 6
- Is a minimum grand opening advertising spend required?Item 11
- Must the franchisee participate in a regional advertising cooperative when one exists?Franchise agreement
- Must the franchisee participate in a gift card program?Item 11
- Is attendance at an annual convention or conference mandatory for the franchisee?Franchise agreement
The vendor opportunity at Aaron's Aaron's and Aaron's Sales & Lease Ownership runs 1,162 total units, but only 224 are franchised — the rest are company-owned. That split matters for vendors: most of the system's technology decisions already sit with the corporate operator, and the franchised tail is small and centrally controlled rather than independently buying.
Who controls software purchasing The Franchise Agreement requires franchisees to lease their computer hardware and Aaron's POS software program directly from Aaron's — they don't shop the market for a point-of-sale system. Franchisees must also use Aaron's designated third-party payment processor for online payments. This is a franchisor-mandated stack, not a franchisee's choice, so a vendor pitch has to go through Aaron's HQ.
Tech named in the FDD, and what is actually required Aaron's own hardware and POS software are required by name in Items 11 and 8. Item 11 goes further: the hardware a franchisee must lease or purchase from Aaron's is listed item by item, and it names Ingenico Lane 7000 customer-facing payment devices, Fiserv SRed keypads, a Meraki 24-port switch, Meraki firewall and Meraki wireless access points, CloudeGenix ion 2000/3000 for SD-WAN, LTE Cradlepoint backup connectivity, MS SQL Server 2005 or later, and Windows 10 or newer.
Procurement, renewals, and timing Aaron's runs an approved-supplier list. Franchisees may only buy from suppliers Aaron's has approved in writing, and must lease signage and computer hardware/software, and purchase a designated Equipment Package, directly from Aaron's.
How to read the Aaron's FDD The 2026 Franchise Disclosure Document below spells out the exact hardware lease terms, the TSA governing Aaron's-sold technology, and the payment-processor requirement. Talk to FranCloud if you want a ranked list of franchise systems like this one where the buying center is easy to identify.
Ordinary royalty terms
Complete royalty terms are not confirmed.
Questions vendors ask
Aaron's and Aaron's Sales & Lease Ownership, answered from the filing
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Operator footprint
Who runs the locations
2 operators run 2 mapped locations. 0 of them are multi-unit. Aggregate counts from the filing; no names.
Operators by units owned
Top states by locations
| NY | 1 |
|---|---|
| UT | 1 |
Ownership
The portfolio behind Aaron's and Aaron's Sales & Lease Ownership
Ownership: the aaron s.
Related Retail non food brands
Primary franchise filings · updated September 2026. Read the original filing for definitions, conditions, and qualifications.