FranchiseVerdict
BeBalanced logo
FV-00263·STRONGExcellent100

BeBalanced

Formerly known as Health Advisors

Health & Wellness - OtherFranchising since 2013Website
Investment
$172K – $223K
45th pct Other
Avg revenue
$367K
9th pct Other
Royalty
6.0%
16th pct Other
Units
25
54th pct Other
SBA default
0.0%
vs <3% typical

Bottom line

  • Total investment $172K – $223K including a $45K franchise fee, 6.0% ongoing royalty.
  • Average unit revenue of $367K/year (median $345K). Estimated payback in 1.2 years.
  • Rated STRONG with a risk score of 52/100. SBA loan default rate of 0.0% across 3 loans (below the industry average).
  • Auditor disclosed a going-concern note — flagged doubt about the franchisor's ability to continue operations. Verify against the latest FDD.

Item 1 · who you're contracting with

The Franchisor

Legal entity
Infinity Health Advisors, LLC
Incorporated in
Pennsylvania
HQ
485 Royer Drive, Suite 102, Lancaster, Pennsylvania 17601
Auditor
Brown Plus
Audited financials
Franchisor revenue
$934K
vs $825K prior year
⚠ Going-concern note
Disclosed in FDD 2024
Status as of 2024; may have been resolved in a later filing we don't yet have.

Yale framework · single-unit ROIC

Returns Analysis

Pulls Item 7 (investment) and Item 19 (revenue) from this brand's FDD into the Yale unlevered-ROIC formula. Override any input to stress-test it against your own assumptions.

The model · Yale framework

What would one BeBalanced unit return on the cash you put in?

Revenue · per unit, per year
$
FDD Item 19 reports $367,035
Franchisor take · royalty + ad fund
Royaltytyp 68%
%
Ad fundtyp 35%
%
Operating costs · category default: personal services
COGS
%
Labor
%
Rent / occupancy
%
Other operating
%
Total invested capital · what you actually put in
Initial investment
$
FDD Item 7: $172K–$223K
Working capital
$
FDD reports $21K–$31K

Unlevered ROIC · per unit

36%

In Yale's "attractive" band (30–60%)

0%30–60% Yale band80%

Store EBITDA · annual
$81K
EBITDA margin
22.0%
Total invested
$223K
Payback
33 mo
Unit-level only. A multi-unit portfolio gives up roughly 5–15% of this to shared services (corporate G&A) before reaching the ~10-unit break-even Yale describes.

Levered LBO scenario · Yale Crease Capital framing

What would 25 BeBalanced units return on equity?

Edit assumptions

Equity IRR · 5-yr

49.9%

7.57× MOIC

Year-1 DSCR

1.88×

EBITDA ÷ debt service

Equity required

$1.1M

on $5.5M purchase

Total debt

$4.4M

SBA $2.8M + senior + seller note

Overview

About

BeBalanced franchisees operate wellness/health optimization centers focused on hormonal balance and metabolic health, likely offering coaching, testing, supplements, and wellness programs. Daily operations include client consultations, program management, retail sales, and staff oversight in a health/coaching service model.

CEO
David Mathew Cutillo
Founded
2013
FDD year
2024
States available
9

Item 7 · what it costs

The Vitals

Total investment
$172K – $223K
All-in to open one unit
Liquid capital
$21K – $31K
Cash you must have on hand
Franchise fee
$45K
Royalty
6.0%
Gross Sales · typical 6–8%
Ad fund
2.0%
typical 3–5%
Total fee load
8.0%
vs 9–13% typical
Payback period
1.2 yrs
From v3 / Item 19

Item 19

Financial Performance

Avg gross sales
$367K
Per unit, per year
Median gross sales
$345K
Item 19 type
Historical Financial Performance Representations
Sample size
22 units
vs category median 12
Range (low → high)
$175K$659K
Cohort dispersion
Transparency
10 / 5
vs category median 4 / 5 · above
Revenue rank9th
vs Health & Wellness - Other peers
Investment cost rank45th
Lower investment ranks lower (better)
Royalty rate rank16th
Lower royalty = lower percentile (better)
Unit count rank54th
vs Health & Wellness - Other peers
Risk score rank24th
Lower risk = lower percentile (better)

Item 20 · unit dynamics

The Growth Chart

Total units
25
Opened
2
Last reporting year
Closed
2
Turnover rate
8.0%
Company-owned
1
Corporate units in the system
% franchised
96%
vs corporate-owned
Net growth (yr3)
+0.0%
Net unit change last year
3-yr CAGR
+0.0%
Compounded over last 3 years
2022
24±0
Franchised units
2023
24
Franchised units
2024
24
Franchised units

Year-over-year franchised unit counts and net change. Source: FDD Item 20.

Item 20 · 7 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).

AK
ME
VT
NH
MA
RI
CT
NY
NJ
PA
DE
MD
DC
WA
OR
CA
NV
ID
MT
WY
UT
CO
AZ
NM
ND
SD
NE
KS
OK
TX
MN
IA
MO
AR
LA
WI
IL
MS
TN
MI
IN
KY
AL
OH
WV
GA
VA
NC
SC
FL
HI
Registered · 7 states
Not registered

States derived from franchisee phone area codes (Item 20). Approximate — ported numbers may show the original state, not the franchisee's current location.

Government records

SBA Loan Data

Aggregated from SBA 7(a) loan disclosures, public data unique to FranchiseVerdict.

Total loans
3
Loan volume
Avg loan
Default rate
0.0%
vs <3% typical · system-wide
5-yr default

FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17

Risk & Legal

52
Risk · 0-100
STRONG52 / 100

BeBalanced presents moderate-to-cautionary risk due to a stagnant 25-unit system, unresolved litigation history, absence of verified financial disclosures, and a settlement that elevated a former adversary to C-suite, suggesting governance instability.

Score breakdown · what drove the 52 / 100 rating

  1. 01MINOROnly 25 units systemwide with unknown growth trajectory suggests stagnant or declining franchise system
  2. 02HIGHMulti-year litigation (2021-2024) involving fraud and breach of fiduciary duty allegations, even with settlement, raises governance and trust concerns
  3. 03MINORNo Item 19 financial performance representation provided — cannot verify if $367k avg revenue and $164k net income are typical or cherry-picked
  4. 04MINORSettlement resulted in plaintiff joining board/executive team, indicating potential past mismanagement or philosophical conflicts requiring structural remediation
  5. 05MINORHigh initial investment ($172-223k) relative to small unit count and unclear unit economics creates elevated risk if system doesn't grow

Severity inferred from the FDD text · not a regulatory classification

FDD Items 5, 6, 12, 17 · continued from Risk & Legal

Contract & Territory Detail

Territory
Radius or Zip Codes
Protected territory
Yes
Initial term
10 years
Renewal term
10 years
Online sales rights
Restricted
Franchisor can compete
Yes
Hire a manager?
Allowed
Litigation count
1
Right of first refusal
Yes
Franchisor can buy back on resale
Mandatory arbitration
Yes
Jury trial waiver
Yes
Non-compete
2 yrs
Post-termination restriction
Owner-operator
Optional
Governing law
Pennsylvania

Item 11

Training & Operations

Classroom training
90 hrs
On-the-job training
40 hrs
POS system
QuickBooks
Operating tech stack

Item 20

Franchisee Contacts

Phone numbers extracted directly from this brand's FDD Item 20. After purchase, you'll also receive a list of validation questions tailored to this brand.

Franchisee contacts

25 numbers

Locked
(214) 592-••••
TX
(817) 899-••••
TX
(610) 750-••••
NY

One-time purchase · CSV download · Validation questions included

FDD download

BeBalanced · FDD (2024) PDF

Single-page checkout · instant download · CSV export of contacts available separately above