D68/100FDD 2024
4ever Young — Litigation & Risk
Health & Wellness - Other · FDD Items 3, 4 & 5
Moderate — Review
1 case disclosed in FDD Items 3 and 4.
Source: FDD Items 3–5
FDD Items 3 & 4
Litigation Metrics
Cases disclosed
1
Total from FDD Items 3 and 4
Bankruptcy (Item 4)
—
Franchisor or officer bankruptcy
Overall risk score
68 / 100
FranchiseVerdict composite
Rating
CAUTION
STRONG / MODERATE / CAUTION / AVOID
7(a) FOIA data · FY2020–present
SBA Loan Performance
Aggregated from public SBA 7(a) loan disclosures. Default rate is the share of loans that were charged off or settled for less than the full balance.
Total 7(a) loans
49
Government-backed loans issued
Default rate
25.0%
vs <3% typical · system-wide
5-yr default rate
33.3%
Defaults
1 loans
Loans charged off or defaulted
Total loan volume
$17.3M
Avg loan size
$353K
Participating lenders
11
FDD Items 5, 6 & 17 — what you give up
Contract Risk Indicators
Mandatory arbitration
Required
Disputes resolved outside court — limits your legal options
Jury trial waiver
Waived
You give up the right to a jury trial
Non-compete
2 yrs
Post-termination restriction on similar businesses
Franchisor can compete
Yes
Franchisor can open competing locations in or near your territory
Right of first refusal
Yes
Franchisor can match any purchase offer when you try to sell
Governing law
Florida
State whose law governs disputes — relevant if you're not based there
What drove the 68/100 rating
Risk Score Breakdown
- 01MEDNet income not disclosed in FDD despite $1.53M average revenue — profitability opacity is a major red flag
- 02MINORHigh initial investment ($354.5K-$828K) with aggressive royalty structure (7% or $5K/month minimum) creates breakeven pressure
- 03HIGHPrior litigation involving principal (2014-2017) for tortious interference, though settled, raises governance and ethical concerns
- 04MINORRapid unit growth (125% YoY) is atypical and may indicate unsustainable expansion or aggressive recruiting masking underlying performance issues
- 05MED39-unit system is small and fragile; rapid growth without disclosed profitability metrics suggests vulnerability to market correction
- 06MINORMedical/wellness franchise with regulatory complexity (hormone therapy services) increases operational and compliance risk
Severity inferred from FDD text — not a regulatory or legal classification
Litigation data from FDD Items 3, 4, and 5. SBA data from public 7(a) FOIA records (FY2020–present). Not legal advice — consult a franchise attorney before signing any franchise agreement.