Gold's Gym vs Goldfish Swim School
Compare franchise fees, investment range, royalties, SBA lending performance, unit growth, and Item 19 transparency with a permanent shareable URL.
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Gold's Gym
Fitness
Investment
$1.8M to $4.5M
Franchise fee
$40,000
Item 19 status
Full Disclosure
Units
158
Goldfish Swim School
Fitness
Investment
$2.6M to $6.0M
Franchise fee
$50,000
Item 19 status
Full Disclosure
Units
18
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 right
Treat low-loan brands carefully, sample size matters.
| Metric | Gold's Gym | Goldfish Swim School |
|---|---|---|
Franchise Fee | $40,000 | $50,000 |
Min Investment | $1.8M | $2.6M |
Max Investment | $4.5M | $6.0M |
Royalty Rate | 5.0% | 6.0% |
Ad Fund Rate | 2.0% | 3.0% |
Total Ongoing Burden Royalty plus ad fund when available. | 7.0% | 9.0% |
Median Revenue (Item 19) | $1.8M | $1.4M |
Cash-on-Cash Return Estimated when revenue and margin assumptions are available. | 8.7% | 4.2% |
Payback Period | 11.5 yrs | 23.7 yrs |
Revenue per Dollar Invested | 0.58x | 0.33x |
Franchised Units | 158 | 18 |
1-Year Net Unit Change | 1 | -1 |
Net Unit Growth Rate | 0.6% | -6.2% |
Net Closure Rate Net closure proxy based on disclosed unit change. | N/A | 5.3% |
SBA Default Rate | 2.3% | 0.0% |
SBA Loan Count Use this to judge whether SBA default data is statistically meaningful. | 51 | 120 |
Average SBA Loan Size | $1.3M | $1.5M |
Item 19 Status | Full Disclosure | Full Disclosure |
Has Item 19 | ✓ Yes | ✓ Yes |
Data Quality Score | 100 | 100 |
What stands out
- • Gold's Gym opens at $1.8M to $4.5M, while Goldfish Swim School ranges from $2.6M to $6.0M.
- • Gold's Gym shows an Item 19 disclosure; Goldfish Swim School shows an Item 19 disclosure.
- • Gold's Gym has 158 franchised units versus 18 for Goldfish Swim School.
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Last updated: April 2026