Goldfish Swim School vs Stretch Lab
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
Stretch Lab
Fitness
Investment
$269K to $610K
Franchise fee
$65,000
Item 19 status
Revenue Only
Units
145
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 | Stretch Lab |
|---|---|---|
Franchise Fee | $50,000 | $65,000 |
Min Investment | $2.6M | $269K |
Max Investment | $6.0M | $610K |
Royalty Rate | 6.0% | 8.0% |
Ad Fund Rate | 3.0% | 2.0% |
Total Ongoing Burden Royalty plus ad fund when available. | 9.0% | 10.0% |
Median Revenue (Item 19) | $1.4M | $530K |
Cash-on-Cash Return Estimated when revenue and margin assumptions are available. | 4.2% | 14.5% |
Payback Period | 23.7 yrs | 6.9 yrs |
Revenue per Dollar Invested | 0.33x | 1.21x |
Franchised Units | 18 | 145 |
1-Year Net Unit Change | -1 | -88 |
Net Unit Growth Rate | -6.2% | -65.2% |
Net Closure Rate Net closure proxy based on disclosed unit change. | 5.3% | 37.8% |
SBA Default Rate | 0.0% | 4.4% |
SBA Loan Count Use this to judge whether SBA default data is statistically meaningful. | 120 | 142 |
Average SBA Loan Size | $1.5M | $232K |
Item 19 Status | Full Disclosure | Revenue Only |
Has Item 19 | ✓ Yes | ✓ Yes |
Data Quality Score | 100 | 100 |
What stands out
- • Goldfish Swim School opens at $2.6M to $6.0M, while Stretch Lab ranges from $269K to $610K.
- • Goldfish Swim School shows an Item 19 disclosure; Stretch Lab shows an Item 19 disclosure.
- • Goldfish Swim School has 18 franchised units versus 145 for Stretch Lab.
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Last updated: April 2026