A Matco Tools franchise is a mobile tool route: you pay a $10,000 fee, stock a truck with about $80,000 of inventory and carry your customers’ credit, for a 2026 FDD total of $104,374 to $376,241.
Key takeaways
- Item 7 of the Matco Tools Franchise Disclosure Document, issued April 6, 2026, as amended August 1, 2026 estimates $104,374 to $376,241 to open; the Mobile Store line alone runs from $4,465 (1.5 months of lease payments on a used truck) to $211,633 (cash price of a new truck).
- Matco charges no royalty or advertising fee (Item 6, note 1). It earns on the inventory it sells you: $458,349,000 in 2025, or 80.4% of its $570,020,000 revenue (2026 Matco FDD, Item 8, unaudited).
- Time Payment credit sales are “generally about 70%” of most distributors’ sales, and the distributor bears “the risk of loss due to non-payment” (2026 Matco FDD, Item 5).
- The receivables are yours, but section 3.7 of the Distributorship Agreement makes Customer Data the exclusive property of Matco during and after the term (2026 Matco FDD, Appendix D).
- Matco’s own Standard Initial Financing Program lends up to $102,000 at Prime plus 4% to 6% (10.75% to 12.75% at the 6.75% prime of January 3, 2026) for up to 120 months (2026 Matco FDD, Item 10).
- In 2025, 211 franchised routes opened and 281 left the system (59 terminations, 9 non-renewals, 213 ceased operations), taking the count from 1,811 to 1,741 (2026 Matco FDD, Item 20, Table 3).
| Key number | 2026 FDD figure | Item |
|---|---|---|
| Initial franchise fee | $10,000 ($7,000 for a new 225 route) | Item 5 |
| Total initial investment | $104,374 to $376,241 | Item 7 |
| Standard starter inventory | Generally $80,000; range $55,500 to $92,000 | Items 5 and 7 |
| Time Payment Reserve or Line of Credit | $22,000 (line up to $28,000 if approved) | Item 5 |
| Royalty and ad fund | None | Item 6, note 1 |
| Potential Customers on a standard List of Calls | Up to 325 | Items 1 and 11 |
| Term and renewal | 10 years, renewable for 10 years | Item 17 |
| Distributorships at December 31, 2025 | 1,741 franchised, 0 company-owned | Item 20 |
What does a Matco distributor actually buy: a route, a truck or a book of credit?
All three. Item 1 of the 2026 Matco FDD grants the right to “purchase, resell, and service the Products as a mobile distributor” from a vehicle, selling to a List of Calls of up to 325 Potential Customers that Matco surveys before you sign. There is no storefront: Item 11 expects the Mobile Store to be parked at the Principal Owner’s residence each evening.
The customers are professional mechanics and technicians who must supply their own tools, plus shops that buy for their staff. Matco Tools Corporation, based in Stow, Ohio and an indirect subsidiary of Vontier Corporation, lists more than 25,000 items and says it has offered franchised distributorships since 1993 (Item 1). Matco ran no company-owned routes at the end of 2025, so every one of the 1,741 routes at year end was franchised.
| Route type | Potential Customers | Initial fee | Starter inventory | Reserve if not Matco-financed | Source |
|---|---|---|---|---|---|
| Standard | Up to 325 | $10,000 | Generally $80,000 (range $55,500 to $92,000) | $22,000 | Items 1, 5, 7 |
| “225” (sparse or spread-out areas; 39 open at December 31, 2025) | Up to 225, or 240 with approval | $7,000 | Generally $55,000 in 2026 (range $52,000 to $79,750) | $14,750 to $20,750 | Items 1, 5 |
| Enhanced Territory Distributorship (mostly on renewal) | More than 325 | Not stated as a new fee | Approximately $76,590 to $126,960, generally $110,400 | Not stated | Items 1, 5 |
The route is a list of addresses, not a map. Item 12 bars sales to anyone who does not work at an address on your List of Calls, and Item 17(h) makes an off-list sale a default you have no right to cure. Matco keeps catalogs, e-commerce, commercial and industrial accounts, vocational schools and events such as the Eagle Experience for itself, a split covered in our franchise territory rights research.
Item 12 says the Customer Service Standards contemplate weekly sales calls on each Potential Customer, and Matco has no duty to add stops if the count on your list falls. The entity that signs must be a corporation or LLC within 45 days, the Principal Owner must hold at least 51% and run the route full time, and Matco “typically will not” approve more than two owners (Item 1). For how this compares with shop-based automotive concepts, see our automotive franchise opportunities comparison.
Training reflects the route focus. Phase 1 (the MBST Program) totals 50 classroom hours and 160 field hours, of which 116 hours are “Running the Route”, and Phase 2 adds at least 15 hours between months 2 and 5 (Item 11). Matco estimates 20 to 45 days from signing to the first day on the road.
How does one Time Payment sale move money between the mechanic, the distributor and Matco?
Most of it moves on credit you extend. Item 5 says Time Payment sales are “generally about 70%” of most distributors’ sales, that you set the down payment, schedule, interest and credit limits, and that “you bear the risk of loss due to non-payment.” Matco recommends full payment in five to nine weeks with no interest, while it bills your inventory on invoice.
- Tool sold on Time Payment. You set the terms; Matco suggests full payment in 5 to 9 weeks and no interest. About 70% of sales are on Time Payment (Item 5).
- Weekly payments collected by you. The risk of loss from non-payment is yours, not Matco’s (Item 5).
- Inventory billed to your Open Purchase Account. Due on invoice; delinquent after 21 days; paid within 14 days earns a VPTT rebate of 1% to 5.25% (Items 8 and 10).
- Weekly MDBS report funds the gap in year one. Growth in Time Payment balances is drawn on the Time Payment Line of Credit or Reserve, up to $22,000 (Item 5).
- Larger sales: a PSA contract assigned to Matco. Non-recourse assignment at not less than 85% of net cash price (92% current practice); you still collect and remit (Item 10).
The $22,000 in Item 7 pays for that credit gap, and which form it takes depends on who finances you. A distributor financed by Matco gets a Time Payment Line of Credit of up to $22,000 (or $28,000 if approved) at Prime plus 5%, open for the first year only. Matco estimates you will draw $4,700 to $9,325 of it in the first three months (Item 7, note 3).
A distributor who pays cash instead deposits $22,000 in a Time Payment Reserve Account held by Matco, earning the consumer money market rate reported in The Wall Street Journal. After 12 months, any balance is credited to your Open Purchase Account if inventory is at or above the starter level; if not, it is used to rebuild stock first (Item 5).
Bigger tickets go on Purchase Security Agreements. Under the standard non-recourse PSA, Matco pays you at least 85% of the net cash price (92% in current practice). Tech Assured covers $500 to $2,000 purchases over up to 36 months at 50% recourse to you, and Tech Advantage covers up to $6,000 over up to five years at 23.99%, with Matco paying 97% of net cash price. Neither Tech program is available in your first year (Item 10).
Who owns the customers on a Matco route?
Ownership is split. The receivable is yours: you lend, collect and absorb bad debt (Item 5). The customer data is Matco’s: section 3.7 of the Distributorship Agreement says all data collected from customers and potential customers “is and will be owned exclusively by Matco during the term of, and following termination or expiration of, the Agreement.”
| Asset | Who holds it | What happens when you leave | Source |
|---|---|---|---|
| Time Payment receivables | You, with the loss risk; Matco holds a security interest in inventory and receivables | You collect them, or a successor may buy qualified accounts (Matco recommends 75% of value) | Items 5 and 10 |
| Customer Data and customer lists | Matco, during and after the term | You must “provide Matco with all Customer lists”; on a sale, use of the data passes to the buyer | Agreement s.3.7, s.11.6 |
| List of Calls | Matco designates it | Reassigned by Matco; no duty to top it up if stops close | Items 11 and 12 |
| PSA contracts | Assigned to Matco | You collect and remit while active; $25 fee per late or short remittance | Item 10 |
| Inventory | You, as collateral | Eligible returns carry a 15% restocking fee (35% in limited cases) | Item 6 |
| Your former customers | Off limits for tools | One-year ban on selling tools to anyone you sold to in the last 12 months | Item 17(r) |
Buying a retiring distributor’s book follows a set ratio. At the recommended 75%, each $1,000 of qualified Time Payment accounts costs $750, and Matco suggests at least 25 business days to judge their credit quality before closing (Item 5). For higher-balance accounts you collect without buying, the recommended split is 15% kept and 85% remitted, or $150 kept from every $1,000 collected.
Few routes change hands that way. Item 20, Table 2 records 7 transfers to new owners in 2023, 1 in 2024 and 1 in 2025. One settlement described in Item 3, dated March 19, 2026, had a departing distributor “transfer and assign to Matco all of the distributor’s customer accounts and accounts receivable” so Matco could collect them for its own account.
What is the Matco tools franchise cost before the truck leaves the driveway?
Item 7 puts the Matco tools franchise cost at $104,374 to $376,241. Inventory and the credit reserve make up $77,500 to $114,000 of that, and the truck creates most of the spread: $4,465 covers a month and a half of lease payments plus a $515 down payment on a used Mobile Store, while $211,633 is the cash price of a new one before options and taxes.
| Item 7 line | Low | High | Paid to | Source |
|---|---|---|---|---|
| Initial franchise fee | $10,000 | $10,000 | Matco | Item 7, note 1 |
| Initial inventory | $55,500 | $92,000 | Matco or predecessor | Item 7, note 2 |
| Time Payment Reserve or Line of Credit | $22,000 | $22,000 | Matco and/or predecessor | Item 7, note 3 |
| Mobile Store (1.5 months’ lease up to cash purchase) | $4,465 | $211,633 | Dealer or leasing company | Item 7, note 4 |
| Computer hardware | $3,500 | $4,500 | Supplier | Item 7, note 5 |
| Software and internet, 3 months | $2,050 | $3,250 | Matco and providers | Item 7, note 6 |
| Insurance, 3 months | $795 | $3,591 | Supplier | Item 7, note 7 |
| Travel, lodging and meals for training | $179 | $3,015 | Airlines, hotels | Item 7, note 8 |
| Professional services | $360 | $5,852 | Attorneys, accountants | Item 7, note 9 |
| Fixtures, supplies, licenses | $525 | $4,400 | Suppliers | Item 7, note 10 |
| Additional funds, 3 months | $5,000 | $16,000 | Suppliers | Item 7, note 11 |
| Total | $104,374 | $376,241 | Item 7 |
The truck line explains most of the $104,374 to $376,241 spread; inventory is the largest line at the low end. Source: 2026 Matco FDD, Item 7.
The truck estimate rests on two lease figures. The low end is one and a half monthly payments of $3,949.98 plus a $515 down payment on a used Mobile Store; Matco’s own average for a new truck lease is a $5,215 to $6,265 down payment and 6 weekly payments of $673 to $741.92 (Item 7, note 4). Item 8 lists only two recommended vehicle suppliers, and Item 7 expects higher truck costs in Alaska, Hawaii and Puerto Rico.
Three adjustments move the total. Honorably discharged veterans receive $20,000 of hand tools at list price ($13,500 on a 225 route) under the Veteran Award Program (Item 5), one of the offers tracked in our veteran franchise discount research. Distributors switching from another tool brand may get $7,000 to $9,650 in conversion credits, charged back if they leave within 24 months (Item 7, note 14). Personal living costs are excluded from the $5,000 to $16,000 of additional funds (Item 7, note 11).
Which published Matco cost figures do not match the 2026 FDD?
| Published claim | Where it appears | What the 2026 FDD says | Item |
|---|---|---|---|
| Initial inventory $55,000 to $92,000 | Matco’s franchise cost page, accessed November 3, 2026 | $55,500 to $92,000 | Item 7 |
| Matco finances “$30,000 to cover other startup expenses” | Matco’s franchise cost page | Special Supplemental Financing of up to $33,000 | Item 10 |
| $8,000 franchise fee; $50,000 to $84,000 inventory | A franchise publication’s deep-dive last updated March 2023 | $10,000 fee ($7,000 for a 225); $55,500 to $92,000 inventory | Items 5 and 7 |
| Software maintenance $450 a year | FDD cover page and Item 7, note 6 | $475 a year in Item 5 and Item 6, note 3 | Items 5 to 7 |
With no royalty, how does Matco get paid?
Through the wholesale price of the tools. Item 6, note 1 says you pay no “monthly or periodic royalty, franchise, license, advertising or other fee” apart from software maintenance. Item 8 shows where the money comes from instead: product sales to franchise distributors were $458,349,000 in fiscal 2025, 80.4% of Matco’s $570,020,000 in unaudited revenue.
The weighted average discount you get from list price was about 34% as of January 2026 (Item 8). Paying invoices within 14 days earns the VPTT rebate of 1% to 5.25%; the 2025 average was 3.1% of mobile sales. Item 8 also discloses $1,733,895 in 2025 supplier payments to Matco and says District Managers may be paid partly on net sales to distributors in their district. Our franchise supplier rebate research shows how other systems report the same Item 8 line.
| Ongoing obligation | Amount or rule | When | Source |
|---|---|---|---|
| Inventory purchases | Year-to-date purchases at least 60% of year-to-date sales | Weekly | Items 6 and 8 |
| Sales performance | At least 80% of the National or District Distributor Sales Average, whichever is lower, 12-month rolling | Ongoing | Item 8 |
| Computer maintenance and web page | $670, or $1,070 if your PC is off-spec | Annually | Item 6 |
| Credit card processing software | $350 | Annually | Item 6 |
| Insurance ($1,000,000 limits, $1,000 maximum deductible) | $256 to $1,197 | Monthly | Item 6, note 8 |
| Late fee on Open Purchase Account | 5% of amount due per week, maximum $125 | On demand | Items 6 and 10 |
| Collection charge if Matco collects for you | 5% to 10% of amount collected, capped at 20% | On demand | Item 6, note 9 |
| Successor Distributorship Fee | 50% of the then-current initial fee | On renewal | Item 6, note 12 |
The purchase rules carry the weight a royalty would elsewhere. Item 8 estimates that product purchases make up about 61% of the annual cost of operating a route and the initial inventory 23% to 65% of the cost of establishing one. The fee structure fits the pattern in our research on how franchisors make money, with the margin on goods doing the work of a royalty.
What do Matco’s loans cost per week?
Matco is the lender for most new routes. Item 10 lists a Standard Initial Financing Program of $90,000 to $102,000 at Prime plus 4% to 6%, fixed for up to 120 months, with a personal guaranty and a security interest in your inventory and receivables. At the 6.75% prime of January 3, 2026, that is 10.75% to 12.75%, or $286.66 to $353.13 a week.
| Program | Amount | Rate | Term | Security and conditions | Source |
|---|---|---|---|---|---|
| Standard Initial Financing (inventory and fee) | $90,000, up to $102,000 | Prime + 4% to 6% (10.75% to 12.75%) | Up to 120 months | Guaranty; inventory and receivables; annual budget; yearly physical inventory | Item 10 |
| Special Supplemental Financing (truck deposit, computer, working funds) | Up to $33,000 | Prime + 4% to 7% (10.75% to 13.75%) | Up to 120 months | New Mobile Store required; inventory count every 6 months; 10% of weekly PSA credits applied to the note | Item 10, notes 6 and 7 |
| Time Payment Line of Credit | Up to $22,000 ($28,000 if approved) | Prime + 5% | First year | Inventory and receivables | Items 5 and 10 |
| Open Purchase Account | Amount purchased | 18% on balance at termination | Due on invoice | Delinquent after 21 days | Item 10, notes 4 and 5 |
| Mobile Store Upgrade (renewals only) | $5,000 to $20,000 | 6.99% fixed | 1 to 5 years | Optional security interest in the truck | Item 10, note 20 |
| Scenario (no down payment) | APR | Weekly payment stated in Item 10 | Times 52 weeks (our arithmetic) |
|---|---|---|---|
| $90,000 standard note | 10.75% | $286.66 | $14,906.32 |
| $90,000 standard note | 12.75% | $311.58 | $16,202.16 |
| $102,000 standard note | 10.75% | $324.88 | $16,893.76 |
| $102,000 standard note | 12.75% | $353.13 | $18,362.76 |
| $90,000 at 12.75% plus $33,000 supplemental at 13.75% | Two notes | $430.55 | $22,388.60 |
The same FDD prints a second rate set. Item 7, note 2 works the $90,000 example at 11.5% and 13.5%, giving $295.88 and $321.21 a week, while Item 10 uses 10.75% and 12.75%. The Item 10 figures are tied to the stated January 3, 2026 prime, so ask Matco which rate applies on the day you are awarded a route. Default on any Matco note can also default the truck lease: Item 10, note 3 names Trans Lease, Inc. and warns of repossession.
Compare these spreads with SBA pricing in our franchise loan interest rate research and the wider options on our franchise financing guide. This page is not legal, financial or investment advice; the Item 10 notes and Exhibits C, D and L of the agreement govern the actual terms.
How many routes opened and closed from 2023 to 2025?
More routes left than opened in 2024 and 2025. Item 20, Table 3 shows 211 franchised openings in 2025 against 59 terminations, 9 non-renewals and 213 routes that ceased operations, for a net loss of 70. Table 4 shows Matco’s company-owned routes falling from 18 to 0, with 16 closed and 2 sold to franchisees.
Exits passed openings in 2024 (255 vs 225) and 2025 (281 vs 211), taking franchised routes from 1,841 to 1,741. Source: 2026 Matco FDD, Item 20, Table 3.
| Year | Start | Opened | Terminated | Not renewed | Ceased operations | End | Exits as share of start (our arithmetic) |
|---|---|---|---|---|---|---|---|
| 2023 | 1,809 | 252 | 17 | 5 | 198 | 1,841 | 12.2% |
| 2024 | 1,841 | 225 | 21 | 6 | 228 | 1,811 | 13.9% |
| 2025 | 1,811 | 211 | 59 | 9 | 213 | 1,741 | 15.5% |
Matco projects 260 new franchised routes for 2026, with 3 agreements signed but not yet open (Table 5). Item 20 also says Matco signed 111 confidentiality agreements with former distributors over the last three fiscal years, so some people on the Appendix C list may not be free to talk. The FTC’s Consumer’s Guide to Buying a Franchise calls talking to current and former owners “the most reliable way to verify the franchisor’s claims.”
Item 3 discloses 29 actions. Seven are pending Matco arbitrations, filed between November 2025 and February 2026, to recover $60,576.69 to $129,816.66 owed at termination. A May 5, 2025 California DFPI consent order fined Matco $2,500 for each of two misstatements to one 225 buyer, and a class action over a March 1, 2022 data incident is pending. Our franchise closure rate research puts the exit figures in context.
Which dates bind you from signing to year ten?
A handful of dates set the obligations. The fee is earned on signing, the route opens within 20 to 45 days, the Time Payment Line of Credit closes at month 12, the term runs 10 years under Item 17, and a one-year customer non-compete follows any exit. Renewal requires 180 days’ to one year’s notice and a fee of 50% of the then-current initial fee.
| When | What happens | Source |
|---|---|---|
| Day 0: sign | $10,000 fee and $99 processing fee due; fee is fully earned and non-refundable | Item 5 |
| Days 20 to 45 | Route opens; entity formed by day 45, which is also when the 401(k) or IRA Rollover Payment Period ends | Items 1, 5, 11 |
| Months 2 to 5 | Phase 2 training, at least 15 hours | Item 11 |
| Month 12 | TPLC closes; Reserve balance credited; Tech Assured and Tech Advantage PSAs become available | Items 5 and 10 |
| Month 24 | Conversion incentive charge-back ends | Item 7, note 14 |
| Any time | You may terminate on 45 days’ notice; Matco gives 30 days to cure most defaults | Item 17(d), (g) |
| Year 9 to 9.5 | Renewal notice: 180 days to one year before the term ends | Item 17(c) |
| Year 10 | Term ends; successor fee 50% of new fee for another 10 years | Items 6 and 17 |
| Exit + 1 year | Customer non-compete ends | Item 17(r) |
Disputes go to arbitration in Summit or Cuyahoga County, Ohio, under Ohio law (Item 17(u) to (w)), subject to the state amendments in Appendix H. The death of the Principal Owner, or a disability lasting six consecutive months, is grounds for termination without a cure right (Item 17(p)).
Which way in fits your cash, credit and route?
Pick the path by three numbers: the cash you can put down, your credit file, and the Potential Customer count Matco’s survey finds. The thresholds below come from Items 1, 5, 7 and 10; before signing, the Principal Owner should ride the List of Calls, which Matco asks you to confirm in the Appendix K acknowledgment.
| If your situation is | Then the FDD path is | Threshold or condition | Source |
|---|---|---|---|
| You can fund inventory yourself and deposit $22,000 | Time Payment Reserve route; free choice of insurer | Reserve earns the WSJ money market rate; balance credited after 12 months | Items 5 and 6 |
| You need Matco to lend the inventory and fee | Standard Initial Financing plus TPLC | Prime + 4% to 6%; insurance through one of 3 named brokers | Items 6, 7, 10 |
| You have little capital or a thin credit file | Special Supplemental Financing on top | Up to $33,000; new truck required; no Tech PSAs until that note is paid | Item 10 |
| Matco’s survey finds fewer than 325 Potential Customers | 225 Distributorship | $7,000 fee; starter inventory generally $55,000; reserve $14,750 to $20,750 | Items 1 and 5 |
| You are an honorably discharged veteran | Veteran Award Program | $20,000 of hand tools at list ($13,500 on a 225) | Item 5 |
| You already run a route for another tool brand | Conversion Incentive Program | $7,000 to $9,650 credit, charged back if you leave within 24 months | Item 7 |
| You are taking over a retiring distributor’s stops | Buy qualified Time Payment accounts | Recommended 75% of value after at least 25 business days | Item 5 |
| You cannot commit one owner full time to weekly calls | The model does not fit | Principal Owner holds at least 51% and manages full time | Items 1 and 15 |
Item 19 is where the revenue side lives. It reports 2025 Total Completed Business and weekly sales for distributors open all year and states that it “does not include net income or profit”; our Item 19 research explains how to read revenue-only disclosures of that kind.
How we compiled this
We read the full 528-page Matco Tools FDD issued April 6, 2026, as amended August 1, 2026, downloaded from Minnesota’s CARDS database, and quoted every figure with its item number. We checked the disclosure rules in 16 CFR 436.5 on the Cornell LII copy (the eCFR page returned a bot check), the FTC consumer guide and Matco’s own cost page, all in November 2026. We left out every Item 19 figure and every distributor name from Items 3 and 20.
Frequently asked questions
How much does a Matco Tools franchise cost?
The 2026 Matco FDD puts the total initial investment at $104,374 to $376,241 (Item 7). The largest lines are $55,500 to $92,000 of starter inventory, a $22,000 Time Payment Reserve or line of credit, and a Mobile Store costing $4,465 in early lease payments up to $211,633 to buy new. Matco can finance up to $102,000 of inventory and fee (Item 10).
What is the Matco tools franchise fee?
The initial franchise fee is $10,000 for a standard route and $7,000 for a new 225 route, due when you sign and non-refundable (Item 5). Matco may finance it inside its Standard Initial Financing Program. Renewing distributors pay a Successor Distributorship Fee of 50% of the then-current fee instead (Item 6, note 12).
Does Matco charge a royalty?
No. Item 6, note 1 of the 2026 FDD says distributors pay no monthly or periodic royalty, franchise, license or advertising fee apart from software maintenance. Matco earns on the tools it sells you: $458,349,000 of product sales to franchise distributors in 2025, 80.4% of its revenue (Item 8). You must keep purchases at 60% or more of sales.
How much does a Matco tools franchise owner make?
This site does not republish earnings figures. Item 19 of the 2026 FDD reports 2025 revenue-type data (Total Completed Business and weekly sales) for distributors open the whole year and says it does not include net income or profit. What is left for the owner depends on Item 10 loan payments, bad debt on Time Payment accounts, truck costs and the 60% purchase ratio.
Can Matco finance the whole franchise?
Partly. Item 10 offers up to $102,000 for inventory and fee with no down payment, up to $33,000 of Special Supplemental Financing for the truck deposit, computer and working funds, and a Time Payment Line of Credit of up to $22,000. Rates run Prime plus 4% to 7%. Financing is not offered to every applicant, and credit checks expire after 90 days.
What happens to my customer accounts if I leave Matco?
Unpaid Time Payment balances remain your receivables, and Matco holds a security interest in them (Item 10). Customer Data belongs to Matco under section 3.7 of the Distributorship Agreement, and section 11.6 requires you to hand over all customer lists. For one year you may not sell tools to anyone you sold to in the prior 12 months (Item 17(r)).
What do Matco tools franchise reviews leave out?
Most reviews skip the public record in the FDD. Item 20 shows 281 franchised exits against 211 openings in 2025 and 111 confidentiality agreements with former distributors in three years. Item 3 lists 7 pending Matco arbitrations to collect $60,576.69 to $129,816.66 owed at termination. Appendix C lists former distributors you can call.
Sources
- Matco Tools Franchise Disclosure Document, issued April 6, 2026, as amended August 1, 2026, Items 1 to 21 and Appendix D (Distributorship Agreement), Minnesota CARDS document 37093-202608-02, accessed November 3, 2026.
- 16 CFR 436.5, Disclosure items, Legal Information Institute, Cornell Law School, accessed November 3, 2026.
- A Consumer’s Guide to Buying a Franchise, Federal Trade Commission, September 2020, accessed November 3, 2026.
- Investment Cost, Matco Tools franchise site, accessed November 3, 2026.