FacebookMeta
advertising in the area or territory where you will be located. Digital Marketing. We may create, operate and promote websites, social media accounts (including but not limited to Facebook, twitter, a
From the filings
Ledgers
Financial servicesLedgers, a Virginia-headquartered financial services franchise and part of Loyalty Brands alongside ATAX and Purely Pet, runs one franchised location under its 2025 FDD, with unit count flat year over year. The filing names four marketing platforms under Item 11 — Facebook, Google Ads, Instagram and Twitter (X) — but requires none of them. President Timothy Tyler Wynn, named in Item 2, is the likely point of contact for a vendor pitch.
For software vendors selling into US franchise brands.
Live signals
Total units
1
1 franchised
Unit growth YoY
0%
vs prior filing
AUV
—
Item 19, 2025
Royalty
—
of gross sales
Ad fund
—
national + local
Initial fee
$10K
per unit
Investment range
$155K–$314K
all-in, Item 7
Procurement
Approved supplier
from the filing
Non-compete
2 years
from the filing
Item 19
No claims
from the filing
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.
Google AdsGoogle
cluding all digital marketing related to your Franchised Business. (Area Representative Agreement, Section 4.9). Digital Campaigns. We may negotiate contracts with vendors such as Google AdWords. If y
InstagramMeta
or territory where you will be located. Digital Marketing. We may create, operate and promote websites, social media accounts (including but not limited to Facebook, twitter, and Instagram), applicati
TwitterX
g in the area or territory where you will be located. Digital Marketing. We may create, operate and promote websites, social media accounts (including but not limited to Facebook, twitter, and Instagr
Franchisor behaviours
What the franchisor requires
12 requirements the franchisor states in this filing, each in its own words; 7 explicit no's; 15 questions the text does not settle, which is not a no.
Accounting
Does the franchisor have direct or independent electronic access to the franchisee's financial, sales or customer records?
YesItem 11
You must at all times give us unrestricted and independent electronic access to your computer systems and information, as well as your security camera systems.
How the franchisor buys
Is the franchisor or an affiliate itself a supplier of required products, services or systems?
YesItem 8
We are an approved supplier of Advertising and Marketing material, Franchise Disclosure Documents, and Leads.
Does the franchisor reserve the right to change designated suppliers or systems at any time?
YesItem 8
Issuance and Modification of Specifications We issue and modify specifications and standards to Area Representatives or approved suppliers through the Operations Manual or other written directives.
Does the franchisor or an affiliate receive rebates, commissions or other revenue from designated or approved suppliers?
YesItem 21
The Company also generates revenue for referring certain vendors to its franchisees.
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?
5Item 8
We estimate that your required purchases and leases to all purchases and leases by you of goods and services will be approximately 1-5% in establishing the Franchised Business and 5-10% in operating the Franchised Business.
Can a franchisee propose a new supplier for the franchisor's approval?
YesItem 8
You may contract with alternative suppliers if they meet our criteria as defined in the Manual, if any.
Communications
Does the franchisor own or control the business telephone numbers, or take them over when the agreement ends?
YesItem 17
cancel or assign telephone numbers to us
Franchise management
Does the franchisor conduct periodic inspections, audits or evaluations of the franchised business?
YesItem 11
We have the right to review your business operations, in person, by mail, or electronically, and to inspect your operations and obtain your paper and electronic business records related to the Franchised Business and any other operations taking place through your Franchised Business.
Payments
Are royalties and other fees collected by automatic bank debit (ACH or electronic funds transfer) from the franchisee's account?
YesItem 6
We require you to execute an Automatic Bank Draft Authorization in order for us to electronically charge your bank account for fees or other monies owed to us.
Point of sale
Must the franchisee use a specific point-of-sale system designated or approved by the franchisor?
YesItem 11
You must comply with our computer hardware, software, and POS specifications.
Does the franchisor have independent access to the data in the franchisee's POS or computer system?
YesItem 11
We have and you are required to provide independent access to the information that will be generated or stored in your computer system, which includes but is not limited to, prospective leads, financial data, and operational information.
Training
Can the franchisor charge the franchisee for additional, refresher or remedial training?
YesItem 11
We may elect to offer and require you to attend, either live or electronically, additional training and seminars that we may offer.
The filing answers no to 7 questions
- Is there a franchisee advisory council, association or committee?Item 11
- Does the franchisor charge a fee to evaluate a proposed supplier?Item 8
- Must the franchisor approve the franchisee's site or location before opening?Item 12
- Is the franchisee prohibited from operating its own website or social media accounts, or required to use pages the franchisor provides?Item 11
- Is a minimum grand opening advertising spend required?Item 11
- Is the franchisee required to spend a minimum amount on local advertising or marketing, as a percentage of sales or a fixed amount?Item 11
- Must the franchisee participate in a regional advertising cooperative when one exists?Item 11
The vendor opportunity at Ledgers
Ledgers runs one franchised location in Virginia under its 2025 FDD, part of Loyalty Brands alongside sibling brands ATAX, Purely Pet, Whole Property Management, Happie Doggie, Coopers Scoopers and Salty Dawg Pet Salon. Unit count was flat year over year. Item 19 makes no financial performance representation.
Who controls software purchasing
Item 2 names Interim CEO Mary Jane DeJaager, President Timothy Tyler Wynn, and John T. Hewitt as CEO and Chairman of parent Loyalty, LLC. Wynn's president-level role makes him the likely first stop for a vendor pitch at this single-unit brand.
Tech named in the FDD, and what is actually required
Item 11 names four marketing platforms — Facebook, Google Ads, Instagram and Twitter (X) — but the FDD requires none of the systems it names.
Procurement, renewals, and timing
Item 8 sets an approved-supplier list: franchisees must buy Franchise Disclosure Documents and prospect contact information from the franchisor or an affiliate, and may propose alternative suppliers for other items, subject to franchisor criteria. Item 17 sets a 10-year initial term with renewal conditioned on 120 days' notice, a new Area Representative Agreement and a general release; unusually, the renewal agreement may not carry materially different terms than the original.
How to read the Ledgers FDD
The 2025 FDD was filed with state franchise regulators; the embedded viewer below carries the full text of Items 2, 8, 11, 17 and 19.
Talk to FranCloud for a ranked list of financial-services targets like Ledgers.
Questions vendors ask
Ledgers, answered from the filing
Item 2 names Interim CEO Mary Jane DeJaager, President Timothy Tyler Wynn, and John T. Hewitt as CEO and Chairman of parent Loyalty, LLC. Wynn's president-level role is the likely point of contact for a vendor pitch at this single-unit brand.
The FDD requires none of the systems it names. It lists Facebook, Google Ads, Instagram and Twitter (X), but none carries a use obligation.
One franchised location, in the financial services segment, with unit count flat year over year as of the 2025 FDD.
Item 8 sets an approved-supplier list: franchisees must buy Franchise Disclosure Documents and prospect contact information from the franchisor or an affiliate, and may propose alternative suppliers for other items, subject to franchisor criteria.
The initial term runs 10 years. Item 17 renewal requires 120 days' notice, a new Area Representative Agreement, a general release, and — unlike most renewals — the new agreement may not carry materially different terms.
The 2025 FDD was filed with state franchise regulators. See the embedded PDF viewer below for the full text of Items 2, 8, 11 and 17.
Source
Read the filing itself
Every number on this page traces back to this document. Read it in full, page by page. Buy the original PDF to download, search, and annotate it.
View only A one-time purchase: the original filing, yours to keep.
FDD alert
Tell me when this brand refiles.
We’ll email you the moment Ledgers files a new annual FDD, usually the freshest signal of a vendor change.
Operator footprint
Who runs the locations
4 operators run 4 mapped locations. 0 of them are multi-unit. Aggregate counts from the filing; no names.
Operators by units owned
Single-unit4
Top states by locations
| VA | 3 |
|---|---|
| WI | 1 |
Ownership
The portfolio behind Ledgers
strategic_multibrand of Loyalty Brands.
Sibling brands
Related Financial services brands
Primary franchise filings · updated September 2026. Every figure is source-traceable and QA-checked.