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D75/100FDD 2026

Ultimate Longevity Center — Litigation & Risk

Health & Wellness - Other · FDD Items 3, 4 & 5

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Elevated Risk

7 cases disclosed in FDD Items 3 and 4.

Source: FDD Items 3–5

FDD Items 3 & 4

Litigation Metrics

Cases disclosed
7
Total from FDD Items 3 and 4
Bankruptcy (Item 4)
—
Franchisor or officer bankruptcy
Overall risk score
75 / 100
FranchiseVerdict composite
Rating
CAUTION
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
2
Government-backed loans issued
Default rate
0.0%
vs <3% typical · system-wide
5-yr default rate
—
Defaults
0 loans
Loans charged off or defaulted

FDD Items 5, 6 & 17 — what you give up

Contract Risk Indicators

Mandatory arbitration
Required
Disputes resolved outside court — limits your legal options
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
Delaware
State whose law governs disputes — relevant if you're not based there

What drove the 75/100 rating

Risk Score Breakdown

  1. 01MINORZero operating units despite franchise model—suggests no proven system or early-stage unproven concept
  2. 02HIGHCEO Anthony Geisler personally named in multiple pending lawsuits involving franchise disclosure violations, fraudulent inducement, and securities law violations from previous Xponential Fitness role
  3. 03HIGHGoing concern status is FALSE—indicates potential financial instability or viability questions about the franchisor itself
  4. 04MEDNo disclosed average revenue or net income data (missing Item 19)—impossible to validate return on $508k-$1.18M investment
  5. 05MEDHigh royalty rate of 8% on undisclosed revenue base creates uncertainty about actual profitability
  6. 06HIGH10-year term with $65k franchise fee locks franchisee into relationship with litigation-exposed leadership
  7. 07MINORProtected territory meaningless with zero unit performance data or comparable earnings

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.