Hudson Valley Swim
Formerly known as HVSF
Bottom line
- Total investment $94K – $122K including a $60K franchise fee.
- Average unit revenue of $258K/year. Estimated payback in 1.1 years.
- Rated STRONG with a risk score of 42/100. SBA loan default rate of 0.0% across 12 loans (below the industry average).
Item 1 · who you're contracting with
The Franchisor
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 Hudson Valley Swim unit return on the cash you put in?
Unlevered ROIC · per unit
36%
In Yale's "attractive" band (30–60%)
Levered LBO scenario · Yale Crease Capital framing
What would 25 Hudson Valley Swim units return on equity?
Equity IRR · 5-yr
49.9%
7.57× MOIC
Year-1 DSCR
1.88×
EBITDA ÷ debt service
Equity required
$414K
on $2.1M purchase
Total debt
$1.7M
SBA $1.0M + senior + seller note
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.
Item 7 · what it costs
The Vitals
Item 19
Financial Performance
Item 20 · unit dynamics
The Growth Chart
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 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.
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+.
Score breakdown · what drove the 42 / 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
Item 11
Training & Operations
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
13 numbers
One-time purchase · CSV download · Validation questions included
FDD download
Hudson Valley Swim · FDD (2025) PDF