Decimal

The vendor opportunity at Decimal

Decimal is a financial services franchise with a small but concentrated footprint: 4 total units as of the 2026 FDD, comprising 3 franchised locations and 1 company-owned unit. The brand operates without a parent company and shows no disclosed year-over-year unit growth. For software vendors, the immediate addressable market is limited to these 4 locations, but the mandated technology stack and centralized decision-making create a clear path to deployment across the entire system.

Operators are exclusively single-unit, with mapped locations in Missouri (1), South Carolina (1), Michigan (1), Indiana (1), and California (1). No multi-unit operators are recorded, meaning all purchasing influence flows through the franchisor. Average unit volume is not disclosed in the FDD, and the royalty rate stands at 10% of gross revenue.

Who controls software purchasing

Technology purchasing authority sits squarely at Decimal’s headquarters. The 2026 FDD lists Jacob Cloran as Chief Technology Officer and Director, making him the primary buyer for software vendors. Chief Executive Officer Matt Tait and Chief Operating Officer Michael O’Connor round out the executive team and may participate in major procurement decisions. With no multi-unit operators and a single corporate location, vendors face a streamlined sales process targeting one decision-making center.

Mandated and current tech stack

Decimal mandates two specific systems across its network: DFS and Salesforce by Salesforce, Inc. These are the only named technologies in the FDD, suggesting a lean stack with potential gaps for complementary solutions. Vendors offering integrations with Salesforce or financial services-specific tools may find receptive ground. No other operational, POS, or back-office systems are disclosed as mandated or recommended.

Procurement, renewals, and timing

The FDD does not include an Item 8 procurement extract, leaving the formal purchasing model unspecified. Vendors should clarify whether Decimal uses designated suppliers, approved supplier lists, or an open procurement process. Franchise agreements run for an initial term of 10 years, with two available successor terms of 5 years each. Renewal is conditioned on compliance with the franchise agreement and upgrading the business to current system standards—a clause that can trigger software evaluations and replacement cycles.

How to read the Decimal FDD

The Decimal 2026 Franchise Disclosure Document is embedded below. Key sections for software vendors include Item 1 (executive team and ownership), Item 11 (mandated systems and technology obligations), and Item 17 (renewal and transfer conditions). Pay close attention to the absence of Item 8 procurement language, as this signals a need for direct discovery conversations with the CTO. For a ranked target list of franchise systems matched to your software category, FranCloud can help.