Bottom line
- Total investment $207K – $537K including a $50K franchise fee.
- Average unit revenue of $909K/year (median $678K).
- Rated MODERATE with a risk score of 59/100. SBA loan default rate of 0.0% across 7 loans (below the industry average).
- System contracting at -12.0% CAGR over 3 years. Investigate whether closures are franchisor-driven (consolidation) or franchisee-driven (economics).
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 MAXLIVING unit return on the cash you put in?
Unlevered ROIC · per unit
50%
In Yale's "attractive" band (30–60%)
Levered LBO scenario · Yale Crease Capital framing
What would 25 MAXLIVING units return on equity?
Equity IRR · 5-yr
38.6%
5.11× MOIC
Year-1 DSCR
2.17×
EBITDA ÷ debt service
Equity required
$3.9M
on $12.7M purchase
Total debt
$8.8M
SBA $5.0M + senior + seller note
Overview
About
MAXLIVING franchisees operate wellness and chiropractic centers combining physical therapy, nutrition counseling, and fitness services. Day-to-day operations include patient care delivery, staff management, marketing/patient acquisition, and compliance with chiropractor licensing requirements. Franchisees leverage the MAXLIVING brand protocols, training systems, and operational playbooks to drive patient volume 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
MAXLIVING presents meaningful investment risk due to contracting unit count, undisclosed profitability data, past regulatory violations, and high capital requirements in a system lacking transparent ROI metrics.
Score breakdown · what drove the 59 / 100 rating
- 01MINORUnit count declining 6.6% YoY (169 units) suggests system contraction and potential market saturation or operational challenges
- 02MEDNet income not disclosed in Item 19 prevents ROI validation; only gross revenue ($908,947 avg) provided, making profitability assessment impossible
- 03MINOR2016 Virginia settlement for unregistered franchise sales and failure to provide required disclosures indicates past regulatory/compliance failures
- 04MINORHigh initial investment range ($207k-$537k) combined with $1,850/month royalty requires strong unit economics that cannot be verified
- 05MINOR10-year term with $50,000 franchise fee in declining system creates long-term commitment risk with shrinking peer network
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
20 numbers
One-time purchase · CSV download · Validation questions included
FDD download
MAXLIVING · FDD (2025) PDF