FBottom Quintile81/100FDD 2025
The Camp Transformation Center: Litigation & Risk
Health & Fitness · FDD Items 3, 4 & 5
Moderate: Review
5 cases disclosed in FDD Items 3 and 4.
Source: FDD Items 3–5
FDD Items 3 & 4
Litigation Metrics
- Cases disclosed
- 5
- Total from FDD Items 3 and 4
- Bankruptcy (Item 4)
- None
- Franchisor or officer bankruptcy
- Overall risk score
- 81 / 100
- FranchiseVerdict composite
- Rating
- F
- A / B / C / D / F verdict grade
7(a) FOIA data · FY2020–present
SBA Loan Performance
Aggregated from public SBA 7(a) loan disclosures. Charge-off rate is the share of loans that were charged off or settled for less than the full balance.
- Total 7(a) loans
- 26
- Government-backed loans issued
- Charge-off rate
- 15.4%
- vs 16% franchise average
- 5-yr charge-off rate
- N/A
- Defaults
- 4 loans
- Loans charged off or defaulted
- Total loan volume
- $5.6M
- Avg loan size
- $214K
- Participating lenders
- 17
FDD Items 5, 6 & 17: What You Give Up
Contract Risk Indicators
- Mandatory arbitration
- Not required
- You retain the right to sue in court
- Jury trial waiver
- Waived
- You give up the right to a jury trial
- Non-compete
- 2 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
- The state where the Center is located
- State whose law governs disputes. Relevant if you're not based there
Extracted from FDD Item 3
Litigation Detail
2 case reference(s): 0 pending, 8 settled.
What drove the 81/100 rating
Risk Score Breakdown
- 01MINORPending DA false-advertising action + $1M wage-and-hour settlement + class action (4 matters)
- 02MEDHigh turnover 32.9% and -25.2% net unit decline
- 03MINORSmall net loss -$16,283 on $2.2M revenue
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.