Goldfish Swim School vs Rush Cycle
Compare franchise fees, investment range, royalties, SBA lending performance, unit growth, and Item 19 transparency with a permanent shareable URL.
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Goldfish Swim School
Fitness
Investment
$2.6M to $6.0M
Franchise fee
$50,000
Item 19 status
Full Disclosure
Units
18
Rush Cycle
Fitness
Investment
$427K to $551K
Franchise fee
$45,000
Item 19 status
Cost Data Only
Units
3
Lower entry cost
Leans right
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 | Goldfish Swim School | Rush Cycle |
|---|---|---|
Franchise Fee | $50,000 | $45,000 |
Min Investment | $2.6M | $427K |
Max Investment | $6.0M | $551K |
Royalty Rate | 6.0% | 6.0% |
Ad Fund Rate | 3.0% | 2.0% |
Total Ongoing Burden Royalty plus ad fund when available. | 9.0% | 8.0% |
Median Revenue (Item 19) | $1.4M | N/A |
Cash-on-Cash Return Estimated when revenue and margin assumptions are available. | 4.2% | N/A |
Payback Period | 23.7 yrs | N/A |
Revenue per Dollar Invested | 0.33x | N/A |
Franchised Units | 18 | 3 |
1-Year Net Unit Change | -1 | N/A |
Net Unit Growth Rate | -6.2% | N/A |
Net Closure Rate Net closure proxy based on disclosed unit change. | 5.3% | N/A |
SBA Default Rate | 0.0% | 58.3% |
SBA Loan Count Use this to judge whether SBA default data is statistically meaningful. | 120 | 14 |
Average SBA Loan Size | $1.5M | $334K |
Item 19 Status | Full Disclosure | Cost Data Only |
Has Item 19 | ✓ Yes | ✓ Yes |
Data Quality Score | 100 | 75 |
What stands out
- • Goldfish Swim School opens at $2.6M to $6.0M, while Rush Cycle ranges from $427K to $551K.
- • Goldfish Swim School shows an Item 19 disclosure; Rush Cycle shows an Item 19 disclosure.
- • Goldfish Swim School has 18 franchised units versus 3 for Rush Cycle.
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Last updated: April 2026