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indicates the clear winner per row. Ties and missing data are not highlighted.
How winners are chosen
Lower is better for investment, liquid capital, franchise fee, royalty and ad-fund rates, SBA charge-off rate, and owner turnover.
Higher is better for disclosed revenue and owner earnings, verdict score, total units, net unit growth, and franchisee contacts. For the letter grade, A ranks highest.
A row is highlighted only when one brand clearly leads. Ties are never highlighted, and missing data never counts as a win. Some rows (earnings-metric type, loan counts, contract terms) are informational and have no winner.
These figures come from FDDs of different years (2023, 2026). Costs, fees and unit counts change from one filing to the next, so the older column may be out of date. Texas State Optical has no FDD on file; its column shows SBA lending facts only.
Focus by buyer type
| Brand |  Texas State Optical Healthcare No FDD on file Remove |  BAbove averageGokhale Method Institute Healthcare 2026 FDD Remove |  AStrongest tierSmile Source Healthcare 2023 FDD Remove |
|---|---|---|---|
| Vitals | |||
FDD filing | No FDD on file | FDD issued Apr 1, 2026 | FDD issued Mar 15, 2023 |
Investment range | Not extracted | $8K – $24K | $6K – $31K |
Liquid capital | Not extracted | $0 – $3K | Not extracted |
Franchise fee | Not extracted | $4K | Not extracted |
Royalty rate | Not extracted | Flat fee | 1.5% |
Ad fund rate | Not extracted | Not extracted | 0.0% |
| Performance | |||
Avg gross sales | Not extracted | No Item 19 representation | No Item 19 representation |
Median gross sales | Not extracted | Not disclosed | Not disclosed |
Avg owner earnings Metric varies by brand. Check type below | Not extracted | Not disclosed | Not disclosed |
Earnings metric | Not classified | Not classified | Not classified |
| Risk | |||
Rating | BAbove average | AStrongest tier | |
Verdict score | Not graded | 48 / 100 | 70 / 100 |
SBA charge-off rate | 0.0% (n=11) | Not SBA-matched | Under 10 loans (1) |
SBA loans on record | 11 | N/A | 1 |
| Scale | |||
Total units | Not extracted | 18 | 663 |
Net change (latest yr) | Not extracted | 0 | +38 |
Signed, not yet open | Not extracted | 2 (0.11 per open outlet) | Not extracted |
Turnover rate | Not extracted | 5.6% | 13.0% |
| Contract | |||
Initial term (years) | Not extracted | 5 | 5 |
Renewal term (years) | Not extracted | 5 | 5 |
Initial training (hrs) | Not extracted | 360 | Not extracted |
| Contacts | |||
Franchisee phones | 0 | 23 | 734 |
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