Hudson Valley Swim franchise research

Investment by format

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

$59,500 · Extracted Item 5 scalar range, not a universal minimum or maximum; formats, eligibility, discounts and waivers require original-filing review.

Royalty

8% · Greater of Minimum Royalty or 6%-8% of Gross Sales (previous month), tiered by prior calendar year Gross Sales; due monthly on the 5th

Marketing contribution

2% (basis not captured; see original filing)

Technology fee

$200 per month per Pool

Other fees

Not captured

Working capital (FDD Item 7)

$900 to $1,500 for the initial three-month start-up phase: payroll (excluding Lead Instructor salary), administrative expenses, working capital, and other operating expenses, assuming no offset from sales generated during start-up.

Fees sourceFDD p.12 ↗

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

Gross Sales, Operating Expenses, Net Operating Income, and Adjusted Net Profit/Profit Margin, for Affiliate-Owned Businesses (Table 1) and Franchised Businesses (Tables 2.a and 2.b)

Reporting period

2023-2025 Reporting Periods (calendar years); most current is 2025

Sample

Table 1: 7 Affiliate-Owned Businesses (2025, 6 in 2024, up to 6 in 2023 incl. partial-year); Table 2.a: 1 franchised business (Lutz, FL); Table 2.b: 6 Franchised Businesses (2025), 3 (2024), 1 (2023)

Reported average

$218,990

Reported median

$178,217

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.55 ↗

Unit growth: Item 20

Reporting year

2025

Scope

franchised outlets

Starting outlets

6

Year-end outlets

12

Net change

+6

Derivation

ending minus starting outlets

Openings

6

Terminations

0

Non-renewals

0

Other closures

0

Reacquisitions

0

Transfers

0

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.58 ↗

SBA loan history

Loan activity

7 approvals

Activity window

FY2021-FY2026 YTD; snapshot 2026-06-30

Median SBA loan

$150,000

Median loan window

FY2023-FY2026 YTD through 2026-06-30

Median loan sample

7 loans

Historical charge-off share

Suppressed: fewer than 10 seasoned loans

Cohort

7(a) FY2010-2019 approvals

Numerator / denominator

0 / 0

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 Hudson Valley Swim franchise cost?

Single Hudson Valley Swim Business (Franchise Agreement): $93,575 to $121,800; Area Developer - up to two businesses: $161,225 to $211,725; Area Developer - up to three businesses: $223,875 to $296,650 These are format-specific estimates, not a guaranteed cash requirement. Franchise fee: $59,500 · 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 Hudson Valley Swim owners make?

Owner income is not captured. Gross sales and EBITDA are not owner pay. Item 19 metric: Gross Sales, Operating Expenses, Net Operating Income, and Adjusted Net Profit/Profit Margin, for Affiliate-Owned Businesses (Table 1) and Franchised Businesses (Tables 2.a and 2.b). Sample: Table 1: 7 Affiliate-Owned Businesses (2025, 6 in 2024, up to 6 in 2023 incl. partial-year); Table 2.a: 1 franchised business (Lutz, FL); Table 2.b: 6 Franchised Businesses (2025), 3 (2024), 1 (2023). Period: 2023-2025 Reporting Periods (calendar years); most current is 2025.

Item 19 performance sourceFDD p.55 ↗

What's the SBA charge-off rate for Hudson Valley Swim?

Suppressed: fewer than 10 seasoned loans; numerator / denominator: 0 / 0. 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: $150,000; window: FY2023-FY2026 YTD through 2026-06-30; sample: 7 loans. Median financing is not total investment.

SBA loans sourceSBA data · Jun 30, 2026 ↗

Median SBA loan sourceSBA data · Jun 30, 2026 ↗