The vendor opportunity at Decimal
Decimal presents a micro-cap opportunity for software vendors, with a total system of just 4 units. The 2026 Franchise Disclosure Document breaks this down into 3 franchised locations and 1 company-owned outlet. For a SaaS vendor, the addressable market is precisely those 3 franchised units, assuming the corporate location is already under direct HQ control. This is not a volume play; it is a relationship-driven, single-decision-maker sale.
The financial services brand operates with a 10% royalty rate on gross revenue, though the average unit volume is not disclosed in the FDD. The initial franchise term runs for 10 years, providing a long window for embedded technology partnerships. Year-over-year unit growth data is not available, suggesting a stable or static footprint. Vendors should approach this as a strategic, high-touch engagement rather than a scalable land-grab.
Who controls software purchasing
Decision-making authority sits firmly at the franchisor level. The explicit mandate for Salesforce in the FDD is the clearest signal of a centralized technology procurement model. When a franchisor names a specific platform as required, it typically means the home office controls the vendor relationship, negotiates the master agreement, and pushes the solution down to franchisees. There are no named executives in our database for Decimal, but the buying center is almost certainly a small, senior team at the Indianapolis headquarters.
For a software vendor, the path in is through the C-suite or operations leadership at the franchisor. You are not selling to individual franchisees; you are selling a platform that the franchisor will then mandate or recommend to its network. Given the tiny size of the system, a direct conversation with top management is both feasible and necessary.
Mandated and current tech stack
The technology landscape at Decimal is defined by a single, critical data point: Salesforce is mandated. This tells you several things. First, the franchisor values a robust, enterprise-grade CRM and operational backbone. Second, any software you pitch must either integrate seamlessly with Salesforce or fill a gap that Salesforce does not address natively. Third, the organization is not averse to top-tier, market-leading SaaS, which sets a precedent for budget and sophistication.
No other operational or point-of-sale technology is disclosed in the available FDD extracts. This absence of information is itself a signal. It may mean the rest of the stack is open, or it may simply mean the franchisor does not publicly list every tool. A vendor’s first conversation should be a discovery call to map the current ecosystem around that Salesforce core.
Procurement, renewals, and timing
The FDD does not provide a detailed procurement policy in the Item 8 extract available to us. Without a clear designated-supplier list or approved-vendor process, the model could range from open to tightly controlled. The Salesforce mandate strongly suggests the latter. Vendors should prepare for a formal review process managed by the franchisor.
Contract timing is tied to the franchise lifecycle. The initial agreement lasts 10 years. Franchisees in good standing can then acquire two successor franchises of 5 years each, provided they give written notice and upgrade to current system standards. These renewal inflection points are natural opportunities for a technology review. If you can align your sales cycle with a franchisee’s renewal window—or better yet, get mandated by the franchisor before those renewals—you gain a captive audience.
How to read the Decimal FDD
The Decimal 2026 Franchise Disclosure Document is the definitive source for understanding this system’s legal and operational constraints. For a software vendor, the most important sections are Item 8 (procurement obligations), Item 11 (mandated technology and supplier lists), and Item 17 (renewal and termination terms). These items tell you who must buy what, from whom, and when the relationship can be disrupted.
In this case, Item 11 reveals the Salesforce mandate, while Item 17 outlines the 5-year successor terms. Item 8 did not yield a clear procurement signal in our extract, which means you will need to read the full document for supplier restrictions. The FDD is embedded below for your own analysis. For a ranked target list of franchise systems that match your ideal customer profile, FranCloud can help you prioritize your outreach.