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D72/100FDD 2026

FPC (F-O-R-T-U-N-E Personnel Consultants) — Litigation & Risk

Business Services - Staffing · FDD Items 3, 4 & 5

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Lower Risk

No litigation cases disclosed in FDD Items 3 and 4.

Source: FDD Items 3–5

FDD Items 3 & 4

Litigation Metrics

Cases disclosed
0
Total from FDD Items 3 and 4
Bankruptcy (Item 4)
—
Franchisor or officer bankruptcy
Overall risk score
72 / 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
1
Government-backed loans issued
Default rate
0.0%
vs <3% typical · system-wide
5-yr default rate
—
Defaults
0 loans
Loans charged off or defaulted

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
1 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
New York
State whose law governs disputes — relevant if you're not based there

What drove the 72/100 rating

Risk Score Breakdown

  1. 01MEDSystem shrinking rapidly: 10.2% unit decline YoY (54 units) signals deteriorating franchisee performance or franchisor support issues
  2. 02MINORNo Item 19 financial performance disclosure: Cannot verify if $84,650-$144,900 investment generates positive ROI
  3. 03HIGHGoing Concern status is FALSE: Franchisor may be financially unstable or facing operational viability questions
  4. 04MINORStaffing/personnel services model has high customer churn risk and thin margins typical of this industry
  5. 05MINOR8% royalty on gross receipts (not net profit) creates cash flow pressure for franchisees in slow months
  6. 06MINORDeclining unit count + no average revenue/net income data = impossible to validate financial viability claims

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.