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Lower Risk
No litigation cases disclosed in FDD Items 3 and 4.
Source: FDD Items 3–5
FDD Items 3 & 4
Litigation Metrics
Cases disclosed
0
Total from FDD Items 3 and 4
Bankruptcy (Item 4)
—
Franchisor or officer bankruptcy
Overall risk score
62 / 100
FranchiseVerdict composite
Rating
MODERATE
STRONG / MODERATE / CAUTION / AVOID
7(a) FOIA data · FY2020–present
SBA Loan Performance
Aggregated from public SBA 7(a) loan disclosures. Default rate is the share of loans that were charged off or settled for less than the full balance.
Total 7(a) loans
3
Government-backed loans issued
Default rate
—
vs <3% typical · system-wide
5-yr default rate
—
Defaults
0 loans
Loans charged off or defaulted
Total loan volume
$1.5M
Avg loan size
$496K
Participating lenders
3
FDD Items 5, 6 & 17 — what you give up
Contract Risk Indicators
Mandatory arbitration
Required
Disputes resolved outside court — limits your legal options
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
Florida
State whose law governs disputes — relevant if you're not based there
What drove the 62/100 rating
Risk Score Breakdown
- 01HIGHGoing Concern Warning: Franchisor flagged as not a going concern—indicates potential insolvency or operational collapse risk
- 02MINORNo Net Income Disclosure: Item 19 financial performance data absent—impossible to validate profitability claims against $567,945 avg revenue
- 03MINORExtreme Unit Growth Volatility: 450% YoY growth (from ~4 to 20 units) is unsustainable and suggests recruitment-driven model rather than organic success
- 04MINORHigh Royalty Burden: 7% royalty on gross revenue (not net) creates cash flow pressure, especially if net margins are thin
- 05MEDVague Investment Range: $245k–$506k spread suggests inconsistent cost structure or hidden variables not disclosed
- 06MINORFranchise Fee vs. Unit Count Mismatch: $50k fee on only 20 units implies franchisor heavily dependent on franchise fees rather than recurring royalties for stability
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.