Hudson Valley SwimFranchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A Hudson Valley Swim franchise requires a total initial investment of $94K – $122K, including a $60K franchise fee. Per the 2025 FDD, average unit revenue was $258K[2]. Verdict grade: A. Run a live ROI scan →
Data last verified June 18, 2026 · figures per the 2025 FDD issuance
Overview
- Investment
- $94K – $122K
- 28th pct Education
- Avg gross sales
- $258K
- 9th pct Education
- Royalty
- N/A
- Units
- 13
- 29th pct Education
- SBA default
- 0.0%
- system-wide median varies by category
Quick verdict · Education · color = vs category peers
Green = >15% above Education 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
89% cash-on-cash return (based on P&L Bottom Line). Above the 20% threshold most investors target.
Bottom line
- Total investment $94K – $122K including a $60K franchise fee.
- Average unit revenue of $258K/year, with an estimated 89% cash-on-cash return (based on P&L Bottom Line).
- Verdict A (Top Quintile) with a risk score of 5/100.
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- HV Swim Franchise LLC
- Incorporated in
- NY
- HQ
- 827 State Route 82, Ste. 10-199, Hopewell Junction, New York 12533
- Auditor
- Kezos & Dunlavy
- Audited financials
- Franchisor revenue
- $187K
- vs $259K prior year
Overview
About
Hudson Valley Swim franchisees operate swim instruction facilities, delivering group and private swimming lessons to children and adults in a protected territory. Day-to-day activities include scheduling classes, managing instructors, maintaining pool operations/safety compliance, and managing student enrollment and retention.
- CEO
- Jeffrey G. Gartner
- Headquarters
- NY
- Founded
- 2021
- FDD year
- 2025
- States available
- 4
FDD Item 7 · 2025 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $60K | $60K |
| Working capital (3–6 mo) | $900 | $2K |
| Equipment, build-out, other | $33K | $61K |
| Total initial investment | $94K | $122K |
Source: Hudson Valley Swim 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
$39K
15.0% margin
Unlevered ROIC
36%
EBITDA / total invested capital
Payback
34 mo
cash-on-cash, unlevered
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $94K – $122K
- Better than avg vs category
- Liquid capital req'd
- $900 – $2K
- Better than avg vs category
- Franchise fee
- $60K – $60K
- Near category avg vs category
- Royalty
- The greater of the Minimum Royalty or 6% - 8% of Gross Sales
- Ad fund
- 2.0%
- typical 3–5%
- Total fee load
- 8.0%
- vs 9–13% typical
- Payback period
- 1.1 yrs
- From FDD / Item 19
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Marketing / ad fund | 2.0% of gross sales |
| Technology fee | $200 |
| Transfer fee | $15K |
| Renewal fee | $12K |
| Total fee load | 8.0% of rev |
Financial Performance
- Avg gross sales
- $258K
- Per unit, per year
- Median gross sales
- N/A
- Avg p&l bottom line
- $96K
- Reported as P&L Bottom Line in FDD Item 19
- Cash-on-cash
- 88.7%
- Based on P&L Bottom Line / investment midpoint
- Item 19 type
- Historical
- Sample size
- 7 units
- vs category median 14
- Range (low → high)
- $115K→$816K
- Cohort dispersion (min → max)
- Transparency
- 9 / 5
- vs category median 4 / 5 · above
Compared against 237 Education brands
vs Education averages
How Hudson Valley Swim Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 13
- Opened
- 2
- Last reporting year
- Closed
- 0
- Turnover rate
- 0.0%
- Company-owned
- 7
- Corporate units in the system
- % franchised
- 46%
- vs corporate-owned
- Net growth (yr3)
- +50.0%
- Net unit change last year
3-year detail · Item 20
- Transfers (3yr)
- 0
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 13 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.
Fast growth in a small system. Newer franchisors expanding quickly may not yet have the support infrastructure of larger systems.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA loan disclosures. This brand has only 6 7(a) loans on file; statistical reliability is limited below 10 loans.
- Total loans
- 6
- Loan volume
- $785K
- Median loan
- $150K
- 50th percentile
- 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
- N/A
- Loans approved 2021+
- Active lenders
- 2
- Defaults
- 0
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into Hudson Valley Swim's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 2 lenders with concentration factor
- Per-state charge-off rates across 5 states
- Startup risk premium and job creation velocity
- 2-year lending trend
Instant access. No subscription.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Hudson Valley Swim presents moderate-to-cautious risk: rapid growth and unverified financials in a small system, coupled with high fees relative to reported net income, warrant deep validation before committing $120K+.
Audited financials (Item 21)
Yes · Kezos & Dunlavy
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Score breakdown · what drove the 5 / 100 rating
- 01MEDNo Item 19 financial performance representation disclosed — cannot independently verify $95,726 average net income claim
- 02MINORRapid expansion (50% YoY growth) in a capital-intensive, service-based business raises sustainability and quality control concerns
- 03MINORHigh royalty structure (6-8% plus minimum royalty) combined with $59,500 franchise fee creates significant ongoing cost burden on $258K avg revenue
- 04MINORPayback period appears marginal — initial investment of $93-122K against ~$96K net income suggests 1+ year break-even, vulnerable to seasonal/operational variance
- 05MEDSmall unit count (13 locations) suggests nascent system with limited track record and franchisee support infrastructure
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 | 10 years |
| Allowed renewalsℹ | 1 |
| Territory type | Zip codes / Population |
| Protected territory | Yes |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 2 years |
| Right of first refusalℹ | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | Yes |
| Jury trial waiver | Yes |
| Governing law | New York |
| Litigation count | 0 |
Items 10, 11
Training & Operations
- Classroom training
- 22 hrs
- On-the-job training
- 30 hrs
- POS system
- iClass Pro
- Operating tech stack
Items 5 & 11
Franchisor Support
Technology: iClass Pro
Item 20 · call current owners
Franchisee Contacts
13 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
Hudson Valley Swim · FDD (2025) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a Hudson Valley Swim franchise?
The total investment to open a Hudson Valley Swim franchise ranges from $94K – $122K, 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 Hudson Valley Swim franchise owners earn?
According to Item 19 of the Hudson Valley Swim FDD, the average gross sales per unit is $258K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
What is Hudson Valley Swim's franchise failure rate?
SBA 7(a) loan charge-off data is not available for Hudson Valley Swim (fewer than 10 loans on file). Charge-off rates are one way to gauge franchise risk, but not all franchise loans go through the SBA program. We recommend reviewing turnover and closure data in the FDD and speaking with current franchisees.
How many Hudson Valley Swim franchise locations are there?
As of their most recent FDD filing, Hudson Valley Swim has 13 total units in the United States, including 1 franchised units and 7 company-owned units. 2 new units were opened in the latest reporting year.
Is Hudson Valley Swim a good franchise to buy?
FranchiseVerdict rates Hudson Valley Swim as a A-grade franchise with a risk score of 5 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.
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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.