American Family Care Franchise Cost & 2025 FDD Data
76/100
Strongest tier
76 this brand49 Healthcare medianlikely 72–80 (high confidence)
Higher is better · an editorial assessment, not investment advice
#276 of 3,068 graded brands
Why an A: Helped by financial health, unit growth, scale, legal record and transparency. Held back by unit economics. See all six factors
- Total investment
- $956K – $1.5M
- Avg net sales
- $1.8M
- “Franchised Centers - All Quintiles (2024)”, 270 outlets; not profit
- SBA charge-off
- 121 loans: too few to judge
Data from the FDD filing + SBA 7(a) records. Analysis by FranchiseVerdict · Methodology · Website · Report an error · Franchisor? Claim this listing
American Family Care (AFC) is an urgent-care franchise providing walk-in treatment for minor illness and injury, diagnostics, and minor procedures. Franchisees run clinics managing medical and admin staff, patient intake, and insurance billing.
FranchiseVerdict summary · 2025 FDD
Per the 2025 FDD, a American Family Care franchise requires a total initial investment of $956K – $1.5M, including a $60K franchise fee. Once open, the ongoing royalty is 6.0%. Per the 2025 FDD, average net sales were $1.8M (Item 19 group “Franchised Centers - All Quintiles (2024)”, 270 outlets; net sales, not profit). Verdict grade: A (Strongest tier), an editorial assessment, not investment advice.
Sources: 2025 FDD · What one unit could make and lose →
Sources, dates and evidence
FDD issued: · Data extracted: · Last cited check: · Staleness risk: medium (issued 12 to 24 months ago; a newer filing is likely on file)
Evidence for the headline figures: strong✓ Investment (Item 7)✓ Item 19 status✓ Units and owners (Item 20)✓ SBA loan coverage✓ Litigation (Item 3)✓ Financial statements (Item 21)✓ Franchisor identityhow this is scored8 of 8 headline figures on this page cite a page of the filing.
Overview
Quick verdict · vs Healthcare median
Top edge: green = better than the Healthcare median by more than 10%, red = worse by more than 10%, gray = within 10% or no benchmark. Source: FDD filings + SBA 7(a).
Data from public FDD filings and SBA records. Methodology
Bottom line
- RETURNSAverage net sales of $1.8M/year (outlet median $1.6M; Item 19 group “Franchised Centers - All Quintiles (2024)”, 270 outlets; net sales, not profit).
- GROWTHIn the latest Item 20 year, the number of franchised outlets grew by 29 (37 opened, 8 closed).
- GROWTH+87 franchised outlets over the two years to 2024 (217 to 304, +40.1% in total, +18.4% a year compounded), with 386 total units.
AT STAKEOne unit at the Item 7 midpoint: $160K a year in payments on assumed SBA 7(a)-style terms.You put in about $248K of your own cash and personally guarantee a $990K loan. Assumptions are labeled in Sales; not investment advice.See what one unit could make and lose
Things to check before you sign (5)
- 1 pending matter names the franchisor in Item 3 (litigation). Pending claims are allegations, not findings; for a system this size the score counts the legal record in the brand's favour. Read the matter in Item 3.
- The franchisor keeps the right to compete inside your territory (Item 12, territory).
- You waive a jury trial in disputes with the franchisor (Item 17, renewal, termination and disputes).
- The franchisor receives rebates or payments from suppliers you buy from (Item 8, required suppliers).
- Item 15 (owner participation) requires the owner, or a principal the franchisor approves, to run the business day to day. Ask how much of the business that principal must own.
Checked and clear: no auditor doubt that the franchisor can keep operating, no net loss of franchised outlets in the latest Item 20 years and the full filing on file, and an Item 19 average from 270 units. Not on file here, so ask: SBA charge-off rate against the category median.
What to do next
Step 1: Read the FDD itself.
Free: read the 2025 filing on this site, page by page. The franchisor must also give you its current FDD at least 14 days before you sign or pay. Or look it up in a state registry (Wisconsin, Minnesota, California). What to read first.
Step 2: Talk to current and former owners.
Free: Item 20 of the FDD lists every current owner and those who left last year, most with a phone number. Questions to ask.
Shortcut: the American Family Care owner list as a CSV, in the Contacts section.
Step 3: Talk to an SBA lender.
Free: the SBA's Lender Match, or the lenders already lending to this brand in the SBA section. Ask what you would personally guarantee and what the monthly payment would be. If you plan to use retirement savings, ask a CPA about the rules for that first.
Step 4: Have a franchise attorney review the FDD and agreement.
Free: your state bar's lawyer referral service can name franchise lawyers, and many offer a short first consultation. Bring the checks listed above.
Research steps, not investment or legal advice.
Can you afford it, and what does the money buy?
Entry cost (the Item 7 midpoint) is 3.5× the Healthcare median ($351K).
Source: FDD 2025 · Items 5–7 (fees and startup costs)
Do you qualify? The filing states no minimum net worth or liquid capital. Ask AFC Franchising, LLC (Item 1: 3700 Cahaba Beach Road, Birmingham, Alabama 35242) and your lender what they require, and keep living costs for the first year outside the deal.
Full Item 7 breakdown17 line items
Initial investment breakdown
| Line item | Low | High | |
|---|---|---|---|
| Initial Franchise Fee | $60K | $60K | |
| Travel and Living Expenses While Training | $1.5K | $3K | |
| Lease, Utility and Security Deposits | $6K | $10K | |
| Lease Review Fee | $0 | $1K | |
| Medical Equipment & Supplies | $110K | $175K | |
| Construction Management Services Fee | $50K | $50K | |
| Construction | $425.5K | $478K | |
| Furniture, Fixtures, and Appliances | $10K | $17K | |
| Office Equipment & Computer System | $12K | $40K | |
| Grand Opening Spend Requirement | $35K | $50K | |
| Business License & Permits | $500 | $2.5K | |
| Signage | $8K | $30K | |
| Legal/ Professional Fees | $15K | $25K | |
| Insurance | $14.5K | $21K | |
| Recruitment | $3K | $50K | |
| Credentialing | $4.5K | $7K | |
| Additional Funds (3 months) | $200K | $500K | |
| Total initial investment | $956K | $1.5M |
Line items extracted from FDD Item 7. Ranges reflect the franchisor's stated low and high per line. The total row is the total as printed in Item 7. Actual costs may fall outside this range depending on market and build-out scope.
Item 6 · what you pay once you are open
Ongoing fees
| Fee | Amount |
|---|---|
| Royalty | 6.0% of net sales |
| Marketing / ad fund | 1.0% |
| Technology fee$275/month currently; may increase to not more than 1% of Net Payments | $275/month |
| Transfer fee | $10,000 |
| Renewal fee | $6,000 |
| Total fee loadbelow the Healthcare median of 8.0% (lean) | 7.0% of sales |
A 7.0% total fee load is below the Healthcare median of 8.0% (lean). More of each revenue dollar stays with the franchisee.
What do units actually make?
Average net sales are 2.5× the Healthcare median ($715K).
Source: FDD 2025 · Item 19 (sales and earnings)
Items 6 (other fees), 7 (startup costs) and 19 (sales and earnings) · assumptions labeled
What you could make and lose: one unit
What one American Family Care unit would ask of you, from the filing's Item 7 total and labeled assumptions.
Average net sales are $1.8M (FDD Item 19, p.54), and the royalty and ad fund take about $124K of that a year (Item 6). This brand's Item 19 does not print cost lines. Enter your own from a lease quote, a payroll plan and calls with current owners. So this box does not estimate a profit. To cover the loan payment alone, one unit has to clear $160K a year after its food, labor, rent and other costs and the franchisor's fees.
How these figures are worked out
- Loan (assumption): 80% of the $1.2M Item 7 midpoint is a $990K loan, paid over 10 years at 10.5%: $160K a year. SBA 7(a)-style terms on a long-term rate; your lender sets yours.
What you put at risk
Your own cash in: about $248K Assumption (the part the loan does not cover of the $1.2M Item 7 midpoint), plus whatever anything Item 7 leaves out (its notes say what). The loan is $990K.
Personal guarantee. SBA 7(a) loans require a personal guarantee from anyone who owns 20% or more of the business. If the unit cannot pay, the lender can collect from you personally, which can include your savings and your home. The worst case is losing the cash you put in and still owing the rest of the loan.
Gross sales are not profit, and none of these figures is take-home pay until tax and every operating cost are paid. The assumptions are ours, not the filing's. Not investment advice.
Returns modelOne unit · several units · editable
One unit
One unit: what is left after the loan payment
Gross sales, minus the franchisor's fees and the operating costs, is the unit's EBITDA (earnings before interest, taxes, depreciation and amortization). Minus an assumed loan payment, that is what is left for you, before tax. Gross sales are not profit.
This brand's Item 19 does not print cost lines. Enter your own from a lease quote, a payroll plan and calls with current owners. Invested capital is the Item 7 total, which already includes its working-capital (additional funds) line.
Returns model · one unit
What would one American Family Care unit leave you each year after the loan payment?
Item 19: $1,774,747 average for 270 outlets (Franchised Centers - All Quintiles, 2024). Use a figure for outlets like yours if yours differ.
Gross sales, not profit: the costs below decide what is left.
Item 6, as stored, a year. A fixed fee, so it comes off EBITDA as dollars, not a share of sales.
This brand's Item 19 does not print cost lines. Enter your own from a lease quote, a payroll plan and calls with current owners.
Illustrative category typicals, not sourced to any filing, survey or sample. Replace them with figures from franchisee validation calls before you rely on the output.
Item 7 midpoint of $956K to $1.5M
Item 7's $200K to $500K additional funds are already in the total
Left after the loan payment · per year
The unit's EBITDA minus the assumed loan payment. Before tax, depreciation and any cost your inputs leave out (insurance, accounting and legal, licenses, technology fees): not take-home pay.
Gross sales are not profit. Neither the filing nor a stated assumption on this page supplies direct costs, labor, rent / occupancy and other operating costs. Enter your own (a lease quote, owner calls) and the model runs on it.
Loan of $990K at 10.5% over 10 years, an assumption, not a quote. Return and payback are before tax, depreciation and the costs above. The loan usually needs your personal guarantee.
Buying several existing units? The acquisition scenario
Buying several units
What buying a few existing units could return
Prices an existing operator of a few units off the single-unit EBITDA above, after shared services, and finances it with an SBA 7(a) loan, a conventional loan and a seller note. It shows the yearly return on your cash (IRR), whether year-1 earnings cover the loan payments (DSCR) and how the price is paid for. It starts at 5 units; every deal term is an assumption you can change, and none is from the FDD.
Not modelled yet
Gross sales are not profit. Neither the filing nor a stated assumption on this page supplies direct costs, labor, rent / occupancy and other operating costs. Enter your own (a lease quote, owner calls) and the model runs on it.
This scenario starts from a per-unit EBITDA. Fill in the operating costs in the one-unit model above and it runs on that figure, or take it to the full ROI workbench, where the multi-unit and acquisition models accept your own per-unit economics.
These models are for research and scenario planning only. Not investment advice. Actual results depend on your specific location, management, and market conditions. Consult a franchise attorney and accountant before signing any franchise agreement.
Item 19 · Source: 2025 FDD · filed by AFC Franchising, LLC
Financial performance
- Range (low → high)
- $134K→$4.8M2025 FDD Item 19, p.53
- Cohort dispersion (min → max)
- Transparency
- 4 / 10
- vs category median 3 / 10 (more detail than most)
Percentile ranks within Healthcare
Each rank is among the Healthcare brands that report that figure (the count is under each bar).
vs Healthcare medians
How American Family Care compares
Category median of published Healthcare brands that report the figure; the middle half spans the 25th to 75th percentile and n counts the brands behind it. Medians are used because a few very large systems pull an average far from the typical brand. Revenue is disclosed gross sales, not profit.
Who are you contracting with?
AFC Franchising, LLC, owned by American Family Care, LLC (AFCLLC).
Item 1 (the franchisor) · who you're contracting with
The franchisor
Corporate structure & franchisor financials
- Legal entity
- AFC Franchising, LLC
- Parent company
- American Family Care, LLC (AFCLLC)
- FDD Item 1, page 9 of the 2025 FDD
- Ultimate parent
- AFC Parent Holdings, LLC
- FDD Item 1, page 9 of the 2025 FDD
- Predecessor
- Doctors Express Franchising, LLC
- Prior franchisor entity
- CEO title
- Chief Executive Officer
- Jeremy Morgan
- Incorporated in
- AL
- HQ
- 3700 Cahaba Beach Road, Birmingham, Alabama 35242
- Auditor
- Grant Thornton LLP
- Audited financials
- Franchisor revenue
- $39.5M
- latest fiscal year in the 2025 FDD
Overview
About
- CEO
- Jeremy Morgan
- States and territories listed
- 29
- registered or offered in, as the filing lists them (DC and territories included); not where units may open
Is the system healthy?
+87 franchised outlets over the two years to 2024 (217 to 304, +40.1% in total, +18.4% a year compounded).
Source: FDD 2025 · Item 20 (outlets opened, closed and transferred)
Item 20 (outlet counts) · unit dynamics
The growth chart
- Company-owned
- 82
- Corporate units in the system
- % franchised
- 79%
- vs corporate-owned
Last fiscal year · Item 20 rates and pipeline
- Reacquired
- 0
- Franchisor bought back
- Signed, not yet open
- 98
- 0.25 per open outlet · Item 20 Table 5
- Projected new
- 38
- Franchisor's next-year forecast
Item 20 · franchised units at year end
Franchised units rose from 217 in 2022 to 304 in 2024
Axis does not start at zero.
Source and method
Item 20 (outlet counts) outlets · 30 states
Where current outlets are
States with at least one current outlet in the Item 20 list the franchisor prints. Former owners are not counted, and this is not a list of where the franchisor may sell new units.
Current outlets (count on the tile) · 30 statesNo current outlet
367 current outlets in 30 states: the 367 on the owner list, of 304 franchised at year end (Item 20), run by 270 franchisee companies. 11 former owners (terminated, transferred, not renewed or otherwise left) listed separately.
Counts only, from the list the franchisor prints in Item 20. The contact details are for your own due diligence and are not shown here.
Government records
SBA loan data
Matched to this brand from SBA 7(a) and 504 FOIA loan records.
- Loans on file
- 121
- SBA 7(a) loans matched to this brand, incl. those still being repaid
- Loan volume
- $140.4M
- Average loan
- $1.2M
- loan volume divided by loans
- Charge-off rate
- 121 loans: too few to judge
- Limited SBA coverage: 121 loans, rate hidden until 10 have resolved and loans reach 2% of franchised units
- Paid in full
- 121 loans: too few to judge
- Recent-loan charge-off
- 121 loans: too few to judge
- Lenders
- 27
Cumulative: every 7(a) loan matched to this brand in the SBA’s FOIA files, approved FY1991 onward. Historical lending data, not predictive of future performance. How SBA charge-off rates are calculated
The approval-year breakdown covers 119 resolved loans (FY2015 to FY2026).
SBA 7(a) · charge-off rate by approval year
American Family Care: no charge-offs among resolved loans in the 5 rated years
Hollow rings on the axis: years with fewer than 10 resolved loans, not rated (too few to judge; recent years are too early to judge while loans are still being repaid). Their numbers are in the table.
Show the numbers by year
| Year | Resolved | Charged off | Rate |
|---|---|---|---|
| 2015 | 1 | 0 | Too few |
| 2018 | 5 | 0 | Too few |
| 2019 | 7 | 0 | Too few |
| 2020 | 8 | 0 | Too early |
| 2021 | 21 | 0 | 0.0% |
| 2022 | 18 | 0 | 0.0% |
| 2023 | 22 | 0 | 0.0% |
| 2024 | 15 | 0 | 0.0% |
| 2025 | 18 | 0 | 0.0% |
| 2026 | 4 | 0 | Too early |
Dashed line: all franchise 7(a) loans approved the same year.
Source and method
Explore lender portfolios on Bank Reports or regional data on State Reports.
Full SBA lending reportlenders · charge-off rate · trend
Lender network · SBA 7(a)
SBA Lending Report
Lender, state and yearly detail for American Family Care from SBA 7(a) FOIA loan records.
Top 10 SBA lenders by loan count
| Loans | Volume | Charge-off |
|---|---|---|
| Citizens Bank | ||
| 19 | $29.9M | 0.0% |
| United Community Bank | ||
| 17 | $17.9M | 0.0% |
| Webster Bank National Association | ||
| 17 | $17.1M | Not on file |
| The Huntington National Bank | ||
| 11 | $10.4M | Not on file |
| Customers Bank | ||
| 9 | $8.2M | Not on file |
| LendingClub Bank, National Association | ||
| 6 | $4.6M | Too few |
| Brookline Bank, a Division of Beacon Bank and Trust | ||
| 4 | $3.6M | Too few |
| TD Bank, National Association | ||
| 4 | $4.5M | Too few |
| First Business Bank | ||
| 4 | $8.4M | Too few |
| Wilmington Savings Fund Society FSB | ||
| 4 | $4.1M | Not on file |
A lender’s rate counts only its resolved loans, the loans that have finished (paid in full or charged off); a 0.0% often means few of its loans have finished. Under 10 resolved loans, the rate reads “Too few”.
Charge-off rate by state (top 10 by loans)
| State | Loans | Charged off | Rate |
|---|---|---|---|
| NJ New Jersey | 23 | 0 | Not shown |
| CA California | 17 | 0 | Not shown |
| PA Pennsylvania | 15 | 0 | Not shown |
| NC North Carolina | 12 | 0 | Not shown |
| FL Florida | 9 | 0 | Too few |
| VA Virginia | 9 | 0 | Too few |
| CO Colorado | 8 | 0 | Too few |
| NY New York | 8 | 0 | Not on file |
| TX Texas | 5 | 0 | Not on file |
| IL Illinois | 3 | 0 | Not on file |
Rate: charged-off loans over resolved loans (paid in full plus charged off), shown from 10 resolved loans. "Too few": under 10 resolved. "Not shown": the stored figures cannot confirm 10 resolved. The Loans column counts every approval in the window, including loans still being repaid.
Source: SBA 7(a) FOIA loan-level data, matched to the brand by FranchiseVerdict.
What are the risks?
Main risk in the grade: unit economics. The reasons are below.
Source: SBA 7(a) FOIA · FDD Items 3, 21
Verdict grade + FDD Items 3 (litigation), 4 (bankruptcy), 8 (required suppliers), 16 (what you may sell), 21 (audited financials)
Risk and legal
Grade A: Strongest tier, 76/100 (category median 49); the full grade is at the top of the page.
How the grade is built
Main risks: healthcare franchise with active litigation, missing profitability disclosure, regulatory history (False Claims Act), and slowing unit growth masking unclear unit economics.
Why an A, factor by factor
- Financial health HelpsAudited financials; no going-concern doubt; franchisor net income positive
- Unit economics Weighs on it, weakest dimensionAvg net sales $1.8M on a $1.2M investment midpoint, 1.4x (net sales, not profit)
- Unit growth Helps+87 franchised outlets over the two years to 2024 (217 to 304, +40.1% in total, +18.4% a year compounded); turnover 2.1%
- Scale Helps304 franchised units, +82 company-owned (386 in all); franchising since 2013
- Legal Helps4 matters naming the franchisor among the Item 3 matters we list (1.0 per 100 outlets)
- Transparency HelpsItem 19 discloses financial performance; audited financials
- Adjustments after the six dimensions (-1 point)Rounding: the score is kept as a whole number, which moved it by 1 point.
From the six scored dimensions, an editorial assessment, not investment advice. How the score is built
Litigation (Item 3)
Subject: the franchisor is a named party (defendant).
1 pending action (franchisor v. former franchisee for non-compete enforcement, currently stayed due to bankruptcy filing); 3 prior actions settled including False Claims Act qui tam ($1.41M total settlement), master development agreement dispute ($1M), and master development agreement fraud claim ($6.5M)
Largest disclosed settlement in the franchisor's own cases: $6,500,000
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Grant Thornton LLP
Franchisor revenue (Item 21)
The revenue figures are in the Franchisor tab, under The franchisor.
Franchisor entity revenue (not unit-level)
Audited statement of income for the thirteen-month period ended December 31, 2024 (fiscal year changed from Nov 30 to calendar year). Gross revenue $39,497,984 (royalties $31,971,840, marketing $5,494,309, initial franchise fees $2,031,835); net revenue after commissions and bad debt was $31,745,283; net income $19,085,802 including $263,032 other income.
Supplier relationship · Items 8 & 16
Ask what the franchisor earns on the supplies it sells you or the rebates it takes (Item 8).
- Franchisor sells you products: Yes
- Franchisor takes supplier rebates: Yes
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Notes from the filing review · not the score inputs
- 01MEDNo Item 19 (Average Net Income) disclosed
- 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
- 04MINORUnit growth of 10.5% YoY is modest for urgent care franchise (2023-2024 healthcare franchises averaged 12-15%); may indicate saturation or quality concerns
- 05MINORExclusivity 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
Litigation case detail4 matters · Item 3
Litigation cases
The franchisor
Pending (1)
AFC Franchising, LLC v Trovato Medical Group, Inc. and Parmjit M. Singh, MD
pendingBrought against a franchisee · filed 2023-04-21 · Circuit Court of Jefferson County, Alabama; removed to US District Court for the Northern District of Alabama · CV-2023-901311 (removed: 2:23-cv-684)
“… Circuit Court of Jefferson County, Alabama, Case No. CV-2023-901311, filed April 21, 2023 now moved to US District Court for the Northern District of Alabama (Case No. 2:23-cv-684). We filed this complaint against our former franchisee, Trovato Medical Group, Inc.”Page 14 of the 2025 FDD, Item 3
Concluded (3)
Lavender Health Care, LLC vs. AFC Franchising, LLC
settledBrought by a franchisee · filed 2022-01-14 · Circuit Court of Shelby County, Alabama (originally Circuit Court of Manatee County, Florida) · CV-2019-900415.00-LMA
“… Circuit Court of Shelby County, Alabama, Case No. CV-2019-900415.00-LMA, filed January 14, 2022. The plaintiff filed its original complaint in the Circuit Court of Manatee County, Florida on February 6, 2019, with regard to Richard Kimsey’s master developer agreement with Doctors Express Franchising, LLC which was later assigned to us”Page 15 of the 2025 FDD, Item 3
Outcome: “This case was settled by the parties on May 30, 2024 and we paid the plaintiff $1,000,000.”
Danilo Purugganan v AFC Franchising, LLC
settledBrought against a franchisee · filed 2020-03-06 · Circuit Court of Shelby County, Alabama; removed to US District Court for the Northern District of Alabama; related action in US District Court for the District of Connecticut · CV-2020-900226 (removed: 2:20-cv-456; related: 3:20-cv-360-KAD)
“… Circuit Court of Shelby County, Alabama, Case No. CV-2020-900226, filed March 6, 2020. We initiated this case to seek declaratory judgment to enforce the forum selection and limited exclusivity clauses in the master developer agreement between Danilo Purugganan (“Purugganan”) and Doctors Express Franchising, LLC, which was later assigned to us.”Page 15 of the 2025 FDD, Item 3
Outcome: “This case was settled by the parties on September 18, 2024 and we paid Purugganan $6,500,000.”
United States of America ex rel., Anita C. Salters, Plaintiffs vs. American Family Care, Inc., Defendant
settledGovernment or regulatory action · filed 2010-10-20 · United States District Court, Northern District of Alabama, Northeastern Division · 5:10-CV-2843-IPJ
“… United States District Court, Northern District of Alabama, Northeastern Division, Civil Action No. 5:10-CV-2843-IPJ. On October 20, 2010, Relator Anita C. Salters filed a qui tam action against AFCLLC (then known as American Family Care, Inc.”Page 14 of the 2025 FDD, Item 3
Outcome: “The defendant vigorously defended the allegations under the False Claims Act. In July 2017, the parties entered into a settlement agreement under which, without admitting any wrongdoing, the defendant paid $210,000 in exchange for the plaintiff releasing all claims against the defendant and its affiliates and dismissing the complaint. The complaint was dismissed in July 2017.” (page 15)
Item 3 lists the litigation the franchisor must disclose; a matter against a parent, an affiliate or a named officer is not a matter against the franchisor, and pending claims are allegations, not findings.
What are you signing up for?
Ongoing fees run about 7.0% of sales (royalty + ad fund), before your own operating costs.
Source: FDD 2025 · Items 11, 12, 17
FDD Items 12 (territory), 15 (owner participation) and 17 (renewal, termination and disputes)
Contract and territory detail
| Allowed renewals | 4 |
|---|---|
| Protected territory | Yes |
| Exclusive territory | No |
| Territory population | 50,000 |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Who runs it (Item 15) | The owner, or a principal the franchisor approves, must run it |
| Non-compete (years) | 2 years |
| Non-compete (miles) | 10 mi |
| Right of first refusal | Yes |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Curable defaults | 9 |
| Mandatory arbitration | Yes |
| Arbitration location | Hoover, Alabama (within 50 miles of principal place of business) |
| Jury trial waiver | Yes |
| Governing law | AL |
Items 5 (initial fees), 7 (startup costs), 12 (territory) and 20 (outlet counts) · development agreement
Area development (several units)
A development fee of $18,000 per unit you commit to.
Every term, with its page
- Development fee
- $18,000 per unit committed.
2025 FDD p.17
“Area Development Fee - $47,500 If, in addition to signing a Franchise Agreement, you sign an Area Development Agreement to acquire Additional Franchises, you must pay us a development fee in an amount equal to $25,000 for the 1st Additional Franchise, $22,500 for the 2nd and 3rd Additional Franchises, and $18,000 for each other Additional Franchise you agree to acquire.”Open p.17 in the filing - Signed, not yet open
- 98 franchises sold but not open at year end (Item 20, Table 5; see Growth). Ask how long they have been waiting and why.
Each unit still needs its own Item 7 investment on top of the development fee ($18K times the units you commit to). Have a franchise attorney read the schedule and the default terms before you sign.
Items 10 (financing), 11 (training and support)
Training and operations
- Classroom training
- 20 hrs
- On-the-job training
- 78 hrs
- Training location
- Birmingham, Alabama (headquarters)
- Ongoing training
- Required
- Time to open
- 6–12 mo
- From signing to launch (FDD p.31)
- Site selection
- franchisee with franchisor approval
- Franchisor financing
- Not offered
- Item 10
- POS system
- Experity
- Operating tech stack
Items 5 (initial fees) & 11 (training and support)
Franchisor support
Item 20 (outlet counts) · call current owners
Franchisee contacts
Who can you call before you sign?
367 current outlets listed, run by 270 franchisee companies
Records carry the franchisee (company or owner name as the filing prints it), phone number, city and state (city on 377 of 378). 378 records: 367 current outlets + 11 former owners (terminated, transferred, not renewed or otherwise left). From the filing's Item 20 (the outlet list); the FDD itself is the free source. Our list holds 367 current outlets; Item 20's table counts 304 franchised at year end.
For your own due-diligence calls only. Not for telemarketing, marketing lists, or automated or prerecorded calls or texts.
One-time · CSV download · full refund within 7 days if the data does not match the FDD. Some numbers, especially for former owners, may be outdated.
Frequently asked questions
How much does it cost to open a American Family Care franchise?
Per the 2025 FDD, the total investment to open a American Family Care franchise ranges from $956K to $1.5M, with an initial franchise fee of $60K. This is the Item 7 total in the Franchise Disclosure Document (FDD): the startup costs the franchisor lists, such as build-out, equipment, inventory and working capital. It usually leaves out buying land or a building; Item 7's notes say what is excluded.
What do American Family Care franchise owners earn?
According to Item 19 of the American Family Care FDD, average net sales were $1.8M (Item 19 group “Franchised Centers - All Quintiles (2024)”, 270 outlets; net sales, not profit). The median is $1.6M. Reported as net sales, not gross sales. What an owner keeps depends on location, operating costs and management.
Who owns American Family Care?
American Family Care is franchised by AFC Franchising, LLC. Its parent company is American Family Care, LLC (AFCLLC). The ultimate parent named in the FDD is AFC Parent Holdings, LLC. Source: FDD Item 1, 2025 filing.
What is Item 19 in the American Family Care FDD?
The FDD section where a franchisor may disclose financial performance of its outlets. Disclosure is optional and formats vary; figures are typically gross sales, which is revenue before expenses, not profit. FranchiseVerdict extracts these figures directly from the American Family Care FDD and qualifies whose outlets they describe.
What is American Family Care's franchise failure rate?
There is no published franchise failure rate, and American Family Care has too few resolved SBA 7(a) loans on file (fewer than 10) to show an SBA charge-off rate that would mean anything. The SBA charge-off rate is the share of a brand's resolved SBA 7(a) loans to its franchisees that the SBA wrote off, including purchased guarantees. Resolved means paid in full or charged off; active loans are excluded because their outcome is not yet known. It is a lending outcome, not a count of closed businesses. Review the turnover and closure figures in Item 20 of the FDD and speak with current and former franchisees.
How many American Family Care franchise locations are there?
Per the 2025 FDD, American Family Care has 304 franchised units and 82 company-owned (386 in all). In the latest year, the number of franchised outlets grew by 29 (37 opened, 8 closed).
Is American Family Care a good franchise to buy?
FranchiseVerdict gives American Family Care an A Verdict grade (Strongest tier) with a verdict score of 76 out of 100 (higher is better), an editorial assessment, not investment advice. Helped by financial health (audited financials), unit growth, scale, legal record and transparency. Held back by unit economics (avg net sales $1.8M on a $1.2M investment midpoint, 1.4x: net sales, not profit). The “Why an A” section on this page lists all six dimensions and any adjustment. Speak with current franchisees before making any investment decision.
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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.