Bottom line
- Total investment $556K – $1.0M including a $60K franchise fee.
- Average unit revenue of $16.5M/year (median $9.3M).
- Rated STRONG with a risk score of 39/100. SBA loan default rate of 0.0% across 101 loans (below the industry average).
- System growing at 7140% CAGR over 3 years with 110 total units — strong expansion trajectory.
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 Vital Care unit return on the cash you put in?
Unlevered ROIC · per unit
239%
Above typical band (30–60%)
Levered LBO scenario · Yale Crease Capital framing
What would 25 Vital Care units return on equity?
Equity IRR · 5-yr
21.3%
2.62× MOIC
Year-1 DSCR
4.51×
EBITDA ÷ debt service
Equity required
$98.7M
on $148.2M purchase
Total debt
$49.5M
SBA $5.0M + senior + seller note
Overview
About
Vital Care franchisees operate healthcare clinics (likely urgent care, occupational health, or specialty medical services) managing patient intake, clinical staff, and revenue across multiple service lines (specialty, non-specialty, access). Daily operations involve managing patient flow, ensuring compliance, reporting gross revenue by category for tiered royalty calculations, and maintaining territory exclusivity.
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 · 31 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
Vital Care presents moderate-to-cautious risk: rapid expansion and opaque profitability metrics conflict with franchisor stability concerns, while complex royalty tiers and missing financial disclosures obscure true unit economics.
Score breakdown · what drove the 39 / 100 rating
- 01MINORNo net income disclosure (Item 19) prevents accurate ROI assessment despite high average revenue of $16.5M
- 02MINORTiered royalty structure (1.75%-19.25%) is complex and potentially punitive; additional 0-2% kick-in at $10M revenue creates perverse incentive against growth
- 03MINORExplosive 45.9% YoY unit growth (110 units) suggests either rapid market expansion or aggressive recruitment; sustainability and franchisee profitability unknown
- 04HIGHGoing Concern status is FALSE — indicates financial instability or structural concerns at franchisor level
- 05MINORHigh initial investment ($555K-$1M) combined with multi-tiered royalties creates significant cash flow risk if franchisee falls below specialty/access categories
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
97 numbers
One-time purchase · CSV download · Validation questions included
FDD download
Vital Care · FDD (2025) PDF