Worth It?HistoryDatabaseCompareDistress SignalsFDD Changes
FitnessRevenue OnlyItem 19: ✓ DisclosedQuality: 100/100

Surface Experts

Based on 2025 FDD · 9 filings in corpus

FranchiseIQ Score
50
C
Moderate Risk
Composite score based on SBA default rate, unit growth, disclosure quality & investment efficiency.
Full analysis unlocks:
✓ Cash-on-Cash return
✓ Payback period
✓ SBA default rate
✓ Red flags assessment
✓ Comparable franchises
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Total Investment Range$140K – $227K
MinMid: $184KMax

Key Metrics

Franchise Fee
$75K
Royalty Rate
8%
Ad Fund Rate
2%
Total Burden
10.0%
Royalty + ad fund
Units (2023)
13
-4 vs prior yr
Net Unit Growth
↓ -18.2%
Year over year
Cash-on-Cash Return
27.5%
Annual estimated return
Payback Period
3.6 yrs
Break-even timeline
SBA Default Rate
16.7%
vs ~7.2% industry avg
Median Revenue
$421K
Item 19 disclosed
Red Flags Assessment
HIGH: SBA default rate 16.67% · MEDIUM: Significant unit decline
HIGH ×1MED ×1
Premium Data

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SBA default rate, Risk Score, CoC%, investment benchmarks, and unit growth for Surface Experts.

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Estimated using sector-average margins. Actual franchise economics vary by location, operator, and market conditions.

Surface Experts vs. Fitness Average

MetricSurface ExpertsFitness Avg
SBA Default Rate16.7%▼3.8%
Cash-on-Cash Return27.5%▲18.1%
Total Investment$184K$420K

Industry averages based on FranchiseIQ corpus benchmarks. ▲ = better than avg, ▼ = worse.

Compare

Surface Experts vs FITZONE STUDIOSSurface Experts vs USL PRO, LLCSurface Experts vs Little Land Play Gym

Similar Franchises · Fitness

FITZONE STUDIOS
No Item 19
$214K–$401K
USL PRO, LLC
$10.6M–$15.8M
Little Land Play Gym
Limited Data
$225K–$599K
FITZONE STUDIOS
$214K – $401K
USL PRO, LLC
$10.6M – $15.8M
Little Land Play Gym
$225K – $599K
Polestar Franchising, LLC
$122K – $197K

Questions to Ask Before You Sign

5 data-driven questions every Surface Experts franchise buyer should ask.

  1. 1.What is Surface Experts's SBA default rate compared to its competitors?Learn more →
  2. 2.Does Surface Experts disclose Item 19 financial performance representations?Learn more →
  3. 3.What is the net unit growth trend over the past 3 years?Learn more →
  4. 4.What is the franchisee termination and transfer rate per Item 20?Learn more →
  5. 5.What do the FDD litigation disclosures (Item 3) reveal about franchisor legal history?Learn more →
Generate attorney questions for Surface Experts →Validation call guide →

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Data sourced from publicly filed Franchise Disclosure Documents (FDDs) submitted to state franchise regulators. SBA loan data from public SBA 7(a) records. Information reflects the most recent FDD filing in our database and may not reflect current terms. Always verify with the franchisor's current FDD before making any investment decision. Not legal or financial advice.