American Family CareFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A American Family Care franchise requires a total initial investment of $956K – $1.5M, including a $60K franchise fee and an ongoing 6.0% royalty[2]. Per the 2025 FDD, average unit revenue was $1.8M[2]. SBA 7(a) loans show a 0.0% charge-off rate across 121 loans[1]. Verdict grade: A. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $956K – $1.5M
- 77th pct Healthcare
- Avg gross sales
- $1.8M
- 39th pct Healthcare
- Royalty
- 6.0%
- 14th pct Healthcare
- Units
- 386
- 73rd pct Healthcare
- SBA default
- 0.0%
- system-wide median varies by category
Quick verdict · Healthcare · color = vs category peers
Green = >15% above Healthcare avg · No shading = within ±15% · Red = >15% below avg · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Only 0.0% of 121 SBA loans charged off, well below the 16% franchise average.
Bottom line
- Total investment $956K – $1.5M including a $60K franchise fee, 6.0% ongoing royalty.
- Average unit revenue of $1.8M/year (median $1.6M).
- Verdict A (Top Quintile) with a risk score of 51/100. SBA loan charge-off rate of 0.0% across 121 loans (well below the franchise average, based on all SBA 7(a) franchise lending, 2010–2024).
- System growing at 40.1% CAGR over 3 years with 386 total units. Strong expansion trajectory.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- AFC Franchising, LLC
- Parent company
- American Family Care, LLC
- Incorporated in
- AL
- HQ
- 3700 Cahaba Beach Road, Birmingham, Alabama 35242
- Auditor
- Grant Thornton LLP
- Audited financials
- Franchisor revenue
- $33.0M
- vs $39.5M prior year
Overview
About
Franchisees operate urgent care clinics providing walk-in medical services (acute illness/injury treatment, minor procedures, diagnostics). Day-to-day operations include managing clinical and administrative staff, patient intake/triage, provider scheduling, insurance billing, inventory management, and compliance with state/federal healthcare regulations.
- CEO
- Jeremy Morgan
- Headquarters
- AL
- Founded
- 2013
- FDD year
- 2025
- States available
- 29
FDD Item 7 · 2025 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $60K | $60K |
| Working capital (3–6 mo) | $200K | $500K |
| Equipment, build-out, other | $696K | $960K |
| Total initial investment | $956K | $1.5M |
Source: American Family Care 2025 FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
Single-unit · estimated
Returns at a glance
Indicative numbers using FDD Item 7 / Item 19 inputs and category-benchmarked cost ratios. Full single-unit, 25-unit portfolio, and LBO models (with every input editable to stress-test your own scenario) live on the financials page.
Store EBITDA · annual
$319K
18.0% margin
Unlevered ROIC
20%
EBITDA / total invested capital
Payback
5.0 yrs
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $956K – $1.5M
- Below avg, review vs category
- Liquid capital req'd
- $200K – $500K
- Below avg, review vs category
- Franchise fee
- $45K – $60K
- Near category avg vs category
- Royalty
- 6.0%
- Net Payments · typical 6–8%
- Ad fund
- 1.0%
- typical 3–5%
- Total fee load
- 7.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty | 6.0% of gross sales |
| Marketing / ad fund | 1.0% of gross sales |
| Technology fee | $3K |
| Transfer fee | $10K |
| Renewal fee | $5K |
| Total fee load | 7.0% of rev |
Financial Performance
- Avg gross sales
- $1.8M
- Per unit, per year
- Median gross sales
- $1.6M
- Item 19 type
- Average Cash Revenue, Annual Visits, Patients Per Day
- Sample size
- 348 units
- vs category median 12 · large
- Range (low → high)
- $134K→$4.8M
- Cohort dispersion (min → max)
- Transparency
- 4 / 5
- vs category median 4 / 5 · typical
Compared against 201 Healthcare brands
vs Healthcare averages
How American Family Care Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 386
- Opened
- 37
- Last reporting year
- Closed
- 1
- Turnover rate
- 0.3%
- Company-owned
- 82
- Corporate units in the system
- % franchised
- 79%
- vs corporate-owned
- Net growth (yr3)
- +10.5%
- Net unit change last year
- 3-yr CAGR
- +40.1%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 8
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 31 states with active franchisees
The Territory Map
Derived from franchisee contact records. Shows states with at least one current operator. Not where the franchisor is registered to sell new units (that data is re-extracting in a future refresh).
States derived from franchisee contact records (FDD Item 20). Shows states with at least one current operator on file. Full state registration data (Item 12) will appear on a future FDD refresh.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 121
- Loan volume
- $140.4M
- Median loan
- $1.2M
- average
- Charge-off rate
- 0.0%
- rates vary by category · see methodology
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- N/A
- 5-yr charge-off
- 0.0%
- Loans approved 2021+
- Active lenders
- 27
- Defaults
- 0
Explore lender portfolios on Bank Reports or regional data on State Reports.
With a 0.0% charge-off rate across 121 loans, banks have historically viewed this brand favorably for lending.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Moderate-to-high risk: Healthcare franchise with active litigation, missing profitability disclosure, regulatory history (False Claims Act), and slowing unit growth masking unclear unit economics.
Audited financials (Item 21)
Yes · Grant Thornton LLP
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Score breakdown · what drove the 51 / 100 rating
- 01MEDNo Item 19 (Average Net Income) disclosed—impossible to validate 1.77M revenue translates to acceptable profit after 6% royalty, labor, and overhead in urgent care model
- 02HIGHActive litigation on franchise termination and contract breach (Boni-Graceful, Trovato) suggests franchisor enforcement issues or franchisee performance disputes
- 03MINORPrior False Claims Act settlement (Salters) indicates potential billing/compliance issues in healthcare vertical—critical regulatory risk
- 04HIGHGoing Concern = False is ambiguous but combined with litigation and missing profitability data raises sustainability questions
- 05MINORUnit growth of 10.5% YoY is modest for urgent care franchise (2023-2024 healthcare franchises averaged 12-15%); may indicate saturation or quality concerns
- 06MINORExclusivity dispute history (Purugganan) and master developer termination (Lavender) suggest franchisor-franchisee alignment issues and territorial conflicts
Severity inferred from the FDD text · not a regulatory classification
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 10 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 4 |
| Territory type | Population-based |
| Protected territory | Yes |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Jury trial waiver | Yes |
| Governing law | Alabama |
| Litigation count | 5 |
Items 10, 11
Training & Operations
- Classroom training
- 20 hrs
- On-the-job training
- 78 hrs
- POS system
- Experity
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: Experity
Item 20 · call current owners
Franchisee Contacts
379 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
American Family Care · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a American Family Care franchise?
The total investment to open a American Family Care franchise ranges from $956K – $1.5M, with an initial franchise fee of $60K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do American Family Care franchise owners earn?
According to Item 19 of the American Family Care FDD, the average gross sales per unit is $1.8M. The median is $1.6M. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is American Family Care's franchise failure rate?
Based on SBA 7(a) loan data, American Family Care has a charge-off rate of 0.0% across 121 loans, meaning 0.0% of franchise loans were charged off. Charge-off rates are one proxy for franchise risk, though they do not capture all closures. This data comes from FOIA-sourced SBA lending records.
How many American Family Care franchise locations are there?
As of their most recent FDD filing, American Family Care has 386 total units in the United States, including 78 franchised units and 82 company-owned units. 37 new units were opened in the latest reporting year.
Is American Family Care a good franchise to buy?
FranchiseVerdict rates American Family Care as a A-grade franchise with a risk score of 51 out of 100, based on our analysis of investment costs, revenue data, SBA loan performance, and growth trends. Our rating is based solely on publicly available FDD and government data; we recommend speaking with current franchisees before making any investment decision. This is not investment advice.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
For franchisors
Are you the franchisor?
If you represent American Family Care, you can request corrections or provide updated information.
Claim this brandOther Healthcare franchises
Compare similar franchise opportunities in the Healthcare category
Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.