Maxliving Franchise Cost, Revenue & Review 2026
- Investment
- $207K – $537K
- Disclosed sales
- $909K
- gross sales, not profit
- SBA charge-off
- Under 10 loans (4)
Data from FDD filing + SBA 7(a) records
Analysis by FranchiseVerdict Research · Methodology
MaxLiving is a healthcare franchise operating chiropractic and wellness centers combining spinal care, nutrition, and lifestyle coaching. Franchisees run a clinic managing chiropractors, patient care, and marketing.
FranchiseVerdict summary · 2026
A MAXLIVING franchise requires a total initial investment of $207K – $537K, including a $50K franchise fee. Per the 2025 FDD, average unit revenue was $909K[2]. FranchiseVerdict grade: C (Average), an editorial assessment, not investment advice. Run a live ROI scan →
Sources, dates and evidence
FDD issued: · Data extracted: · Last cited check: · Staleness risk: low - issued within the last 12 months
Evidence: strong✓ Investment (Item 7)✓ Item 19 status✓ Units and owners (Item 20)✗ SBA loan coverage✓ Litigation (Item 3)✓ Financial statements (Item 21)✓ Franchisor identityhow this is scored6 of 6 headline figures on this page cite a page of the filing.
Overview
- Investment
- $207K – $537K
- 45th pct Healthcare
- Avg gross sales
- $909K
- 19th pct Healthcare
- Royalty
- Flat fee
- Units
- 169
- 69th pct Healthcare
- SBA charge-off
- N/A
Quick verdict · Healthcare · color = vs category peers
Green = favorable by >10% vs Healthcare median · No shading = within ±10% · Red = unfavorable by >10% · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
Bottom line
- COSTTotal investment $207K – $537K including a $50K franchise fee.
- RETURNSAverage unit revenue of $909K/year (median $678K).
- RISKVerdict C (Average), verdict score 45/100 (higher is better).
- GROWTHNegative: net -12 franchised outlets in the latest year (8 opened, 0 closed); 3 signed but not yet open (Item 20).
- FLAG20 units terminated last reporting year (11.8% of the system). Ask existing franchisees why.
Item 1 · who you're contracting with
The Franchisor
Corporate structure & franchisor financials
- Legal entity
- Maximized Living Health Centers, LLC
- Parent company
- MaxLiving, LLC
- FDD Item 1, page 6 of the 2025 FDD
- CEO title
- Chief Executive Officer
- Dr. Greg Loman
- Incorporated in
- FL
- HQ
- 4700 Millenia Blvd. Ste 220, Orlando, Florida 32839
- Auditor
- GBQ Partners LLC
- Audited financials
- Franchisor revenue
- $2.7M
- vs $2.9M prior year
Affiliated brands
- Maximized Living
Other brands the franchisor or its parent operates (Item 1).
Overview
About
- CEO
- Dr. Greg Loman
- Headquarters
- FL
- Founded
- 2005
- FDD year
- 2025
- States available
- 33
Can you afford it, and what does the money buy?
Entry cost runs 16% above the typical healthcare franchise.
Source: FDD 2025 · Items 5–7
FDD Item 7 · 2025 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $50K | $50K |
| Working capital (3–6 mo) | $5K | $15K |
| Equipment, build-out, other | $152K | $472K |
| Total initial investment | $207K | $537K |
Source: MAXLIVING 2025 FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $207K – $537K
- Middle of category vs category
- Liquid capital req'd
- $5K – $15K
- Top 40% of category vs category
- Franchise fee
- $50K – $50K
- Top 40% of category vs category
- Royalty
- $1,850 per month flat fee (standard new franchise agreement)
- Ad fund
- $400 per month flat fee (Marketing Fee)
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty (flat) | $1,850/month for new locations; $775/month under Legacy Clinic or 2025/2026 Renewal Incentive |
| Technology fee | $450 |
| Training fee | $40K |
| Transfer fee | $15K |
| Renewal fee | $5K |
| Inventory (initial) | $4K – $14K |
What do units actually make?
Average unit sales run 34% above the healthcare norm.
Source: FDD 2025 · Item 19
Single-unit · not modelled
Returns at a glance
An FDD discloses gross sales, not profit, and the operating costs that turn one into the other are in no filing. We publish no modelled return for MAXLIVING until someone supplies them — yours, in the models below.
—
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for royalty rate, ad fund rate, COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
Total invested capital · disclosed
$382K
Item 7 initial investment plus working capital, as filed — the one figure here that needs no assumption.
ROI & LBO modelsSingle-unit · 25-unit portfolio · editable
What one unit earns on your invested capital
Model A · Single-Unit Return
Computes unlevered return on invested capital (ROIC) for a single franchise unit, read against the 30–60% reference band · Yale SOM, Post-MBA Path Exhibit 2 (2023). Below that band a passive index fund likely outperforms; above it the franchisor has pricing power you're subsidizing.
Note: Item 19 revenue is what the franchisor discloses, and it is the top line only — gross sales are not profit. No FDD discloses the operating costs that turn one into the other, so those fields start empty and nothing is modelled until you supply them from your own lease quote, labor market and build-out budget.
Returns model · single-unit ROIC
What would one MAXLIVING unit return on the cash you put in?
Illustrative category typicals — not sourced to any filing, survey or sample. Replace them with figures from franchisee validation calls before you rely on the output.
Unlevered ROIC · per unit
Your modelled return on total invested capital, before any debt financing.
—
An FDD discloses gross sales, not profit. We hold no sourced figure for royalty rate, ad fund rate, COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
What 25 units return when you use SBA financing
Model B · Return on Equity: Debt-Financed Acquisition
Models a 25-unit portfolio acquisition financed with an SBA 7(a) loan. Shows equity IRR (your return on cash invested), DSCR (how safely the cash flow covers debt service), and the capital stack (SBA + seller + equity breakdown).
This is the “search fund” or “entrepreneurship through acquisition” scenario: you buy an existing multi-unit operator, use leverage to amplify returns, and either operate or hire management. The 25-unit size is the typical minimum for an SBA-backed franchise portfolio acquisition to pencil as a full-time income.
What “return on equity” means here: if you put in $500K of your own cash and the business generates enough EBITDA to pay down debt and grow, your equity IRR is the annual return on that $500K, including the value created when you eventually sell. Target IRR for a search fund is typically 25–35%.
Not modelled yet
An FDD discloses gross sales, not profit. We hold no sourced figure for royalty rate, ad fund rate, COGS, labour, rent / occupancy and other operating costs, and will not substitute an assumed one. Enter your own and the model runs on your assumptions.
A 25-unit return is built on a per-unit EBITDA. Fill in the operating costs in Model A above and this model runs on that figure, or take the whole scenario to the full ROI workbench, where the portfolio and LBO models accept your own per-unit economics directly.
These models are for research and scenario planning only. Not investment advice. Actual results depend on your specific location, management, and market conditions. Consult a franchise attorney and accountant before signing any franchise agreement.
Item 19 · Source: 2025 FDD
Financial Performance
- Avg gross sales
- $909K
- Per unit, per year
- Median gross sales
- $678K
Gross sales are revenue before expenses — not profit. Actual owner earnings depend on rent, labor, royalties, marketing fees, and debt service.
- Item 19 type
- Gross Sales
- Sample size
- 77 outlets
- vs category median 20 · large
- Range (low → high)
- $91K→$4.2MCited, not corroborated — printed on page 44 of the 2025 FDD. Nothing else in our record independently restates or re-derives it.
- Cohort dispersion (min → max)
- Reporting year
- 2024
- Fiscal year the figures cover
- Source filing
- FDD 2025
- Disclosed in the 2025 filing, covering 2024
- Transparency
- 4 / 10
- vs category median 3 / 10 · above
Compared against 162 Healthcare brands
Operator outlook
What the numbers say
Data-driven interpretation of this brand's financial disclosures, fee structure, and system trajectory.
Unit economics
Average unit generates $909K/year in gross sales. Median is $678K — top performers pull the average up, so a typical unit earns less. Revenue-to-investment ratio: 2.4x.
Disclosure
Transparency score 4/10 — this franchisor discloses detailed breakdowns (quartiles, segments, or cohort data). Buyers can model unit economics with higher confidence.
Operator retention
System contracting at -12.0% CAGR over 3 years. Investigate whether closures are franchisor-driven consolidation or franchisee exits.
Source: FDD Item 19 financial performance representations and publicly filed FDD data. Past performance is not indicative of future results. Verify all figures with the franchisor and current franchisees before making any investment decision.
vs Healthcare medians
How Maxliving Compares
Category median of published Healthcare brands that report the figure; the middle half spans the 25th to 75th percentile and n counts the brands behind it. Medians are used because a few very large systems pull an average far from the typical brand. Revenue is disclosed gross sales, not profit.
Is the system healthy?
Source: FDD 2025 · Item 20
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 169
- Opened
- 8
- Last reporting year
- Closed
- 0
- Terminated
- 20
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 33.1%
- Company-owned
- 0
- Corporate units in the system
- % franchised
- 100%
- vs corporate-owned
- Net growth (3-yr)
- -12.0%
- Net unit change over 3 years
- 3-yr CAGR
- -12.0%
- Compounded over last 3 years
Last fiscal year · Item 20 exits and transfers
- Terminated
- 20
- Not renewed
- 0
- Transferred
- 0
- Reacquired
- 0
- Franchisor bought back
- Signed, not yet open
- 3
- 0.02 per open outlet · Item 20 Table 5
- Projected new
- 0
- Franchisor's next-year forecast
- Ceased ops
- 11.8%
- Units that stopped operating
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.
Where the owners are · Item 20 owner list
19 current owners across 13 states.
- FL 3
- TN 3
- MI 2
- MN 2
- CO 1
- IA 1
- IN 1
- KY 1
- MO 1
- NC 1
- OH 1
- PA 1
- +1 more states
Counts only, from the list the franchisor prints in Item 20; 1 entries carry no state. Names and phone numbers are for your own due diligence and are not shown here.
A system losing more than 10% of its units year-over-year is a red flag. Check whether closures are concentrated in specific regions.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA loan disclosures. This brand has only 4 7(a) loans on file; statistical reliability is limited below 10 loans.
- Total loans
- 4
- Loan volume
- $990K
- Median loan
- $248K
- average
- Charge-off rate
- Under 10 loans (4)
- Insufficient SBA coverage: 4 loans, rate hidden below 10
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- Under 10 loans (4)
- 5-yr charge-off
- Under 10 loans (4)
- Loans approved 2021+
- Active lenders
- 4
- Defaults
- N/A
Explore lender portfolios on Bank Reports or regional data on State Reports.
What could kill this investment?
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating + FDD Items 3, 4, 8, 16, 21
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.
Litigation (Item 3)
Subject: officers or affiliates. The franchisor is not a named party in these cases.
Virginia regulatory action: MLHC sold franchises in Virginia in 2009 and 2013 without an effective registration. Settlement with Virginia State Corporation Commission in 2016; MLHC paid $30,000 penalty plus $5,000 in investigative costs.
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · GBQ Partners LLC
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: No
- Kickbacks from required suppliers: Yes
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 45 / 100 verdict
- 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
- 04MINOR10-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
What are you signing up for?
Source: FDD 2025 · Items 11, 12, 17
FDD Items 12, 15, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 10 years |
|---|---|
| Renewal term | 5 years |
| Allowed renewalsℹ | 2 |
| Territory type | Protected territory |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Territory radius | 5 mi |
| Territory population | 100,000 |
| Online sales rightsℹ | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Not allowed |
| Owner-operator | Required |
| Non-compete (years)ℹ | 3 years |
| Right of first refusalℹ | Yes |
| RoFR response window | 30 days |
| Transfer requires consent | Yes |
| Termination notice | 10 days |
| Curable defaultsℹ | 2 |
| Mandatory arbitration | Yes |
| Arbitration location | Florida |
| Jury trial waiver | No |
| Governing law | FL |
| Litigation count | 1 |
View Item 3 litigation summary
Virginia regulatory action: MLHC sold franchises in Virginia in 2009 and 2013 without an effective registration. Settlement with Virginia State Corporation Commission in 2016; MLHC paid $30,000 penalty plus $5,000 in investigative costs.
Items 10, 11
Training & Operations
- Classroom training
- 136 hrs
- On-the-job training
- 544 hrs
- Training location
- Capital City Chiropractic, Columbia, South Carolina
- Ongoing training
- Required
- Time to open
- 9 mo
- From signing to launch
- Site selection
- Franchisor-approved vendor
- Franchisor financing
- Offered
- Item 10
Items 5 & 11
Franchisor Support
Item 20 · call current owners
Franchisee Contacts
20 owners to call
Name · phone · city · state. Extracted from FDD Item 20
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a MAXLIVING franchise?
The total investment to open a MAXLIVING franchise ranges from $207K – $537K, with an initial franchise fee of $50K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do MAXLIVING franchise owners earn?
According to Item 19 of the MAXLIVING FDD, the average gross sales per unit is $909K. The median is $678K. Note: this is gross revenue, not profit. Actual owner earnings vary based on location, operating costs, and management.
Who owns MAXLIVING?
MAXLIVING is franchised by Maximized Living Health Centers, LLC. Its parent company is MaxLiving, LLC. Source: FDD Item 1, 2025 filing.
What is Item 19 in the MAXLIVING FDD?
The FDD section where a franchisor may disclose financial performance of its outlets. Disclosure is optional and formats vary; figures are typically gross sales, which is revenue before expenses, not profit. FranchiseVerdict extracts these figures directly from the MAXLIVING FDD and qualifies whose outlets they describe.
What is MAXLIVING's franchise failure rate?
SBA 7(a) loan charge-off data is not available for MAXLIVING (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 MAXLIVING franchise locations are there?
As of their most recent FDD filing, MAXLIVING has 169 total units in the United States, including 169 franchised units and 0 company-owned units. 8 new units were opened in the latest reporting year.
Is MAXLIVING a good franchise to buy?
FranchiseVerdict rates MAXLIVING as a C-grade franchise with a verdict score of 45 out of 100 (higher is better). The grade is a deterministic score built from six weighted dimensions — financial health, unit economics, unit growth, scale, legal, and transparency — then calibrated against SBA loan charge-off rates and FDD age. Transparency is one of the six, so a filing that discloses less scores lower on that dimension than one that discloses more. 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.
For franchisors
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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.