FYZICAL vs PEARLE VISION
Compare franchise fees, investment range, royalties, SBA lending performance, unit growth, and Item 19 transparency with a permanent shareable URL.
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FYZICAL
Health/Wellness
Investment
$168K to $519K
Franchise fee
$49,000
Item 19 status
Revenue Only
Units
494
PEARLE VISION
Health/Wellness
Investment
$689K to $1.3M
Franchise fee
$30,000
Item 19 status
Full Disclosure
Units
445
Lower entry cost
Leans left
Based on minimum initial investment.
Better disclosed economics
Even
Uses Item 19 availability and transparency status.
Lower SBA default risk
Leans left
Treat low-loan brands carefully, sample size matters.
| Metric | FYZICAL | PEARLE VISION |
|---|---|---|
Franchise Fee | $49,000 | $30,000 |
Min Investment | $168K | $689K |
Max Investment | $519K | $1.3M |
Royalty Rate | 6.0% | 7.0% |
Ad Fund Rate | 2.0% | 8.0% |
Total Ongoing Burden Royalty plus ad fund when available. | 8.0% | 15.0% |
Median Revenue (Item 19) | $680K | $1.2M |
Cash-on-Cash Return Estimated when revenue and margin assumptions are available. | 23.8% | 6.0% |
Payback Period | 4.2 yrs | 16.7 yrs |
Revenue per Dollar Invested | 1.98x | 1.20x |
Franchised Units | 494 | 445 |
1-Year Net Unit Change | -4 | -4 |
Net Unit Growth Rate | -0.9% | -0.9% |
Net Closure Rate Net closure proxy based on disclosed unit change. | 0.8% | 0.9% |
SBA Default Rate | 0.0% | 1.3% |
SBA Loan Count Use this to judge whether SBA default data is statistically meaningful. | 5 | 112 |
Average SBA Loan Size | $394K | $471K |
Item 19 Status | Revenue Only | Full Disclosure |
Has Item 19 | ✓ Yes | ✓ Yes |
Data Quality Score | 100 | 100 |
What stands out
- • FYZICAL opens at $168K to $519K, while PEARLE VISION ranges from $689K to $1.3M.
- • FYZICAL shows an Item 19 disclosure; PEARLE VISION shows an Item 19 disclosure.
- • FYZICAL has 494 franchised units versus 445 for PEARLE VISION.
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Last updated: April 2026