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Cash Generator

Provides a ‘buy and sell’ service, as well as selling new/reconditioned items
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Minimum Investment

£80,000 - £ 200,000

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Business Type


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Funding Support


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Total Investment


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Franchise Fees


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Expected Revenue After 2 Years


About Cash Generator

Cash Generator opened for business in 1994, offering a ‘buy and sell’ service for customers who wanted to sell unwanted goods and buyers looking to purchase a range of products at competitive prices.

Over the years, the business has evolved and now offers sellers a ‘buy back’ option, as well as selling products online in addition to its brick-and-mortar retail network.

Today, stores sell new or end of line/reconditioned items, vaping products and buy and sell gold, jewellery and watches. Cash Generator also provides a cheque cashing service, can change sterling into approximately 60 different currencies and can transfer money through its partnership with Western Union.

Cash Generator says its top five product categories are: mobile phones, gaming tech, televisions, tablets and laptops.

The company started franchising in the UK in 1997 and currently has around 60 franchisees, who operate in the region of 130 stores.

Cash Generator is a full member of the British Franchise Association.

How does the Cash Generator franchise model work?

This is predominantly a management franchise, which means franchisees recruit and train staff (with the help of the franchisor) to carry out the day-to-day tasks required of this retail opportunity.

Essentially, Cash Generator franchisees work on their business, rather than in it most of the time, focusing on planning, financial management, stock control and local marketing activity.

They work in exclusive geographical territories, in which no other Cash Generator stores (franchisee or company-owned) are allowed to operate. Each territory is assessed by the franchisor to ensure it contains sufficient quantities of the business’ target market.

The franchisor assists with site selection, shop fit and merchandising the outlet, as well as providing guidance on securing funding if required.

In order for franchisees to maximise profits and run the business efficiently, they have access to Cash Generator’s bespoke EPOS system and ecommerce platform.

All franchisees are given an operations manual, which explains in detail how to run the business.

Once a franchisee’s first store has been established, they have the opportunity to invest in further outlets.


What locations or territories is Cash Generator looking to operate in?

Cash Generator has franchise opportunities available throughout the UK.


How much does a Cash Generator franchise cost and is it a good investment?

A Cash Generator franchises costs between £120,000 and £200,000.

According to the latest British Franchise Association NatWest industry research, 93 per cent of franchisees stated they were profitable in 2018.

While this is no guarantee of success, individuals investing in a tried and tested franchise such as the one offered by Cash Generator have a greater chance of success than if they set up their own independent business from scratch.

While the investment required for a Cash Generator franchise is at the top end of the scale, the company describes its investment opportunity as ‘high growth’ and ‘recession proof’ because of its established brand name, numerous revenue streams both online and via traditional brick-and-mortar retail and the fact that individuals can grow their businesses beyond a single store by opening more outlets.

In its franchise brochure, Cash Generator states that an established franchise can earn 10-20 per cent net profit, although this is dependent on a franchisee’s business plan, store location and performance and is not a guarantee of the return on investment you can expect.


Is bank funding available to finance a Cash Generator franchise?

Yes. Cash Generator says 70 per cent of the start-up cost of one its franchises can be obtained through bank funding, subject to status.


Where in the UK is the Cash Generator franchise based?

This company’s headquarters are in Edinburgh.


What skills and experience do you need to become a Cash Generator franchisee?

If you can deal with people in a pleasant and efficient manner, don’t mind being hands-on when required, are energetic, driven and aspire to running your own business with the backup of an established brand, you have the key qualities of a successful Cash Generator franchisee.


What training and support do Cash Generator franchisees receive?

Initial franchisee training lasts six weeks and is both classroom and store-based.

The classroom sessions take place at Cash Generator’s training academy in Edinburgh, while store instruction takes place at an outlet as close as possible to where you live.

During the first 12 months of trading, franchisees are enrolled on the company’s ongoing training programme.

The franchisor assists franchisees with deciding on and securing their opening stock and promoting the business during its launch phase. Additional marketing support is provided throughout the duration of the franchise agreement.

Cash Generator allocates one of its business development managers to each franchisee to ensure their franchise is progressing in line with their business plan. In addition, new franchisees are paired with an experienced Cash Generator franchisee, who acts as a mentor.


What are the Cash Generator franchise’s terms of agreement and renewal?

The initial franchise agreement lasts for a period of 10 years. There is an option to renew following this, subject to terms and conditions set out in the franchise agreement being met.


How can I get started on setting up my own Cash Generator business?

Your first step is to provide your details on this page, which will go direct to Cash Generator, who will then make contact with you. A franchise brochure has been produced by the company, which has further information about the opportunity available.

Cash Generator arranges discovery days for interested investors, where prospective franchisees can meet key members of the company’s staff, find out more about the business and have any questions answered.

Enquire Now

Send a free enquiry to Cash Generator for further information!

Enquire Now

Send a free enquiry to Cash Generator for further information!

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