Research preview · Archived source data · Not independently reviewed · Automated extraction

Education & Tutoring · Brand S0128

Aqua-Tots Swim Schools franchise research

Costs by format. Disclosure context. Historical loan evidence. Know what is captured and what still needs diligence.

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Source: FDD issued Not captured · SBA data through Jun 30, 2026 · Automated extraction, not human-reviewed · View all sources

Investment
$1,619,820 to $2,939,590
Single unit franchise (also applies per MUD unit) · +1 more
Royalty
6%
6% of Gross Revenue, due on the 10th of the month for the prior month
Working capital
Additional Funds for Initial three (3) Months: $40,000 - $115,000 (employees, suppliers, utilities; not including payroll costs per Note 9)
FDD Item 7
Units
138
+7 net in 2025
SBA loans approved
17
FY2021 to FY2026 YTD
SBA charge-off share
0.00%
historical, not a failure rate

Investment by format

Estimated initial investment by named format
FormatDisclosed range
Single unit franchise (also applies per MUD unit)$1,619,820 to $2,939,590
Multi-Unit Development Agreement (MUD fee + first unit)$1,638,570 to $3,014,590

Format-specific estimates only. Do not combine one format's minimum with another format's maximum.

Investment sourceFDD p.20 ↗

Franchise fees and ongoing costs

Franchise fee
$50,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review.
Royalty
6% · 6% of Gross Revenue, due on the 10th of the month for the prior month
Marketing contribution
2% (basis not captured; see original filing)
Technology fee
$170 per month (may increase to a maximum of $850 per month); plus required Pike 13 POS software $295 per month
Other fees
Pike 13 software $295/month; advertising cooperative up to 2% of Gross Revenue if implemented; computer/communications upgrades and maintenance usually no more than $3,000/year
Working capital (FDD Item 7)
Additional Funds for Initial three (3) Months: $40,000 - $115,000 (employees, suppliers, utilities; not including payroll costs per Note 9)

Fees sourceFDD p.14 ↗

Working capital is drawn from Item 7. The Investment source below locates the investment section, not an independently verified working-capital scalar.

Investment sourceFDD p.20 ↗

Franchise fee sourceFDD · page not captured ↗

Financial performance: Item 19

Item 19 captured
Yes
Metric / basis
Average, median, high and low 2025 gross revenue by region (unaudited, from franchisee POS reports)
Reporting period
Calendar year 2025 (January 1, 2025 - December 31, 2025)
Sample
Table shows 131 U.S. franchised outlets in operation at 12/31/2025 (West 8, Northeast 7, all other regions 116); text states 15 large-metro CA/MA/NJ/NY/PA outlets met the stated criteria
Reported average
$1,138,797
Reported median
$1,008,577

Owner income is not captured. Gross sales and EBITDA are not owner pay. Results depend on the disclosed metric, sample and period; consult the full filing.

Item 19 performance sourceFDD p.48 ↗

Unit growth: Item 20

Reporting year
2025
Scope
franchised outlets
Starting outlets
131
Year-end outlets
138
Net change
+7
Derivation
ending minus starting outlets
Openings
7
Terminations
0
Non-renewals
0
Other closures
0
Reacquisitions
0
Transfers
4

Transfers are not closures. Net change is ending minus starting outlets for the stated scope and year, or complete openings less terminations, non-renewals, other closures and reacquisitions. Missing inputs stay unknown.

Unit growth sourceFDD p.49 ↗

SBA loan history

Loan activity
17 approvals
Activity window
FY2021-FY2026 YTD; snapshot 2026-06-30
Median SBA loan
$1,680,000
Median loan window
FY2023-FY2026 YTD through 2026-06-30
Median loan sample
11 loans
Historical charge-off share
0.00%
Cohort
7(a) FY2010-2019 approvals
Numerator / denominator
0 / 11
Formula
CHGOFF / (PIF + CHGOFF + EXEMPT) × 100

This is a historical loan-level share, not a franchise failure probability or location survival rate. Loan size is not total investment. Other loan statuses are excluded from the seasoned denominator. Activity combines 7(a) and 504 approvals, excluding canceled and not-funded records; this is not a rolling five-year count. FY2024-25 franchise tags are sparse after directory suspension; fewer tagged loans do not establish brand decline. Recent charge-off cohorts are immature.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median loan amounts are financing context, not startup cost. The median window is separate from the seasoned charge-off cohort.

Median SBA loan sourceSBA data · Jun 30, 2026 ↗

Questions before you invest

How much does Aqua-Tots Swim Schools franchise cost?

Single unit franchise (also applies per MUD unit): $1,619,820 to $2,939,590; Multi-Unit Development Agreement (MUD fee + first unit): $1,638,570 to $3,014,590 These are format-specific estimates, not a guaranteed cash requirement. Franchise fee: $50,000 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review..

Investment sourceFDD p.20 ↗

Franchise fee sourceFDD · page not captured ↗

How much do Aqua-Tots Swim Schools owners make?

Owner income is not captured. Gross sales and EBITDA are not owner pay. Item 19 metric: Average, median, high and low 2025 gross revenue by region (unaudited, from franchisee POS reports). Sample: Table shows 131 U.S. franchised outlets in operation at 12/31/2025 (West 8, Northeast 7, all other regions 116); text states 15 large-metro CA/MA/NJ/NY/PA outlets met the stated criteria. Period: Calendar year 2025 (January 1, 2025 - December 31, 2025).

Item 19 performance sourceFDD p.48 ↗

What's the SBA charge-off rate for Aqua-Tots Swim Schools?

0.00%; numerator / denominator: 0 / 11. Historical 7(a) FY2010-2019 approvals; CHGOFF / (PIF + CHGOFF + EXEMPT) × 100, snapshot 2026-06-30. This is not a franchise failure probability. Median SBA loan: $1,680,000; window: FY2023-FY2026 YTD through 2026-06-30; sample: 11 loans. Median financing is not total investment.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median SBA loan sourceSBA data · Jun 30, 2026 ↗

Sources and data details

Every figure above links to the page of the filing it was read from. These are the document IDs, page pointers and checksums behind them, for anyone who wants to audit the data.

Show document IDs, page pointers and hashes
Fees

Original source · FDD issued: Not captured; Registry received: 04/20/2026
Document: 36076-202604-08; document SHA-256: 4a37511c2977b6b2b349b9904a16cfd150266bba9f118d17981f30481e033062
PDF page: 14; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d

Investment

Original source · FDD issued: Not captured; Registry received: 04/20/2026
Document: 36076-202604-08; document SHA-256: 4a37511c2977b6b2b349b9904a16cfd150266bba9f118d17981f30481e033062
PDF page: 20; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d

Franchise fee

Original source · FDD issued: Not captured; Registry received: 04/20/2026
Document: 36076-202604-08; document SHA-256: 4a37511c2977b6b2b349b9904a16cfd150266bba9f118d17981f30481e033062
PDF page: Not captured; pointer: source-known-page-unknown. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Enrichment generated: 2026-10-03T11:34:53.025030+00:00

Item 19 performance

Original source · FDD issued: Not captured; Registry received: 04/20/2026
Document: 36076-202604-08; document SHA-256: 4a37511c2977b6b2b349b9904a16cfd150266bba9f118d17981f30481e033062
PDF page: 48; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d

Unit growth

Original source · FDD issued: Not captured; Registry received: 04/20/2026
Document: 36076-202604-08; document SHA-256: 4a37511c2977b6b2b349b9904a16cfd150266bba9f118d17981f30481e033062
PDF page: 49; pointer: scalar-page-match. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d

SBA loans

Original source · SBA snapshot: 2026-06-30
Document: FOIA_7a_FY2010_FY2019_asof_260630.csv; document SHA-256: 01a3e2c7988a6f4052e53f218a309feb2ec2fe42887bebdc0fa94ac8b1024ade
PDF page: Not captured; pointer: raw-aggregate-recomputed. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Input document hashes: FOIA_7a_FY2010_FY2019_asof_260630.csv: 01a3e2c7988a6f4052e53f218a309feb2ec2fe42887bebdc0fa94ac8b1024ade; FOIA_7a_FY2020_Present_asof_260630.csv: 6c1e9132b5141a19f82bdc8ccafb86c9a01662461cad41ddb36a3cf409d8a4fe; FOIA_504_FY2010_Present_asof_260630.csv: 8c0e15414217254bcde2a253a8f17418b3dc65ce78dbc56cc1f1ab05c4a05ad4; code_map.csv: df55c53a0afc764ee1507d535a1924a3fab105a6daca0143ca56d9791d385d7b

Median SBA loan

Original source · SBA snapshot: 2026-06-30
Document: FOIA_7a_FY2020_Present_asof_260630.csv; document SHA-256: 6c1e9132b5141a19f82bdc8ccafb86c9a01662461cad41ddb36a3cf409d8a4fe
PDF page: Not captured; pointer: raw-median-recomputed. Not independently reviewed.
Dataset generated: 2026-10-03T02:32:20.074756+00:00; dataset version: f8a919ba13aeff8e04da22842f084c7fb459e532543a173426eaa34a86deca5d
Input document hashes: FOIA_7a_FY2020_Present_asof_260630.csv: 6c1e9132b5141a19f82bdc8ccafb86c9a01662461cad41ddb36a3cf409d8a4fe; code_map.csv: df55c53a0afc764ee1507d535a1924a3fab105a6daca0143ca56d9791d385d7b
Enrichment generated: 2026-10-03T11:34:53.025030+00:00
Program: 7(a); Amount column: GrossApproval