Which has more SBA loans, Any Labtest Now or Arcpoint Labs?

Any Labtest Now has 27 SBA 7(a) historical approvals; Arcpoint Labs has 68. Arcpoint Labs has the deeper public lender track record, which generally translates into faster pre-qualification and broader lender familiarity.

What is the default rate for Any Labtest Now vs Arcpoint Labs SBA loans?

Any Labtest Now's SBA default rate is 0.0%, versus 7.4% for Arcpoint Labs. Any Labtest Now has the cleaner loss profile, which capital sources weigh when pricing the next deal in the brand.

When did Any Labtest Now and Arcpoint Labs peak in SBA lending volume?

Any Labtest Now's SBA approval peak was 2024 with 9 loans; Arcpoint Labs's peak was 2022 with 9. A more recent peak (currently Any Labtest Now) generally indicates fresher lender appetite and easier financing today.

Which states have the most Any Labtest Now and Arcpoint Labs SBA loans?

Any Labtest Now leads in OH with 4 SBA-funded units; Arcpoint Labs leads in TX with 6. The brand that matches your operating state typically closes faster because local lenders already know the unit economics.

Side by Side Comparison

Any Labtest Now vs Arcpoint Labs

Q: Which is a better franchise investment, Any Labtest Now or Arcpoint Labs?

Any Labtest Now vs Arcpoint Labs: compare initial investment, royalty rate, unit count, SBA lending history, default rate, and PeerSense FPI score side by side. The right answer depends on your capital, target market, and risk tolerance, not on which brand ranks higher in a list.

Q: How much does a Any Labtest Now franchise cost compared to Arcpoint Labs?

Any Labtest Now requires a total initial investment of $60K to $298K while Arcpoint Labs requires $166K to $310K. Any Labtest Now has the lower minimum capital commitment. Franchise fee, royalty percentage, and advertising fees vary independently, see the comparison table below for the full FDD breakdown.

Quick Answer

Any Labtest Now vs Arcpoint Labs: Any Labtest Now costs $60K to $298K to open; Arcpoint Labs costs $166K to $310K. Any Labtest Now has 244 units, Arcpoint Labs has 128. SBA loan history: Any Labtest Now = 27 loans (0.0% default); Arcpoint Labs = 68 loans (7.4% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.

Any Labtest Now vs Arcpoint Labs: Capital, Scale & Lending Analysis

Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.

Capital Intensity

Any Labtest Now requires the lower minimum capital commitment ($60K vs $166K for Arcpoint Labs), a 64% spread. Initial franchise fees come in at $55K for Any Labtest Now versus $55K for Arcpoint Labs. Ongoing royalty load is 7% for Any Labtest Now and 7% for Arcpoint Labs, equal royalty drag.

System Scale & Tenure

On scale, Any Labtest Now operates 244 units to Arcpoint Labs's 128.

SBA Lending Profile

Arcpoint Labs has the deeper SBA lending track record, with 68 7(a) approvals compared with 27 for Any Labtest Now. Any Labtest Now's peak SBA year was 2024 (9 loans); Arcpoint Labs's peak was 2022 (9 loans). Any Labtest Now's more recent peak generally indicates fresher lender appetite. Any Labtest Now has the most SBA funded units in OH, with 4. Arcpoint Labs leads in TX, with 6. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Any Labtest Now deals is $296K vs $211K for Arcpoint Labs, useful as a sizing anchor when modeling your own unit.

Risk Signal

SBA default rates are 0.0% for Any Labtest Now and 7.4% for Arcpoint Labs, Any Labtest Now has the cleaner SBA loss record by 7.4 points. PeerSense FPI scores come in at 75 (Strong) for Any Labtest Now and 58 (Moderate) for Arcpoint Labs, giving Any Labtest Now the stronger composite signal across SBA performance, lender appetite, and operational consistency.

Any Labtest Now

Medical Laboratories

75 9W

Arcpoint Labs

Medical Laboratories

Health & Performance

FPI Score	75/100	58/100
Health Tier	Strong	Moderate
Confidence	N/A	N/A
Lending Trend	Growing	Declining

SBA Lending

SBA Loans	27	68
SBA Volume	–	–
Default Rate	0.0%	7.4%
Peer Tier	established	established

Investment & Costs

Total Investment	$60K to $298K	$166K to $310K
Franchise Fee	$55K	$55K
Royalty Rate	7%	7%
Ad Fund	2%	2%
Liquid Capital	N/A	N/A
Net Worth Required	N/A	N/A

Financial Performance (Item 19)

Item 19 Status

Disclosed

System Size & Operations

Total Units	244	128
Franchised Units	237	124
Company Owned	7	4
Term Length	10 yrs	10 yrs

Brand Information

Year Founded	N/A	N/A
Franchising Since	2004	2005
Years Franchising	22 yrs	21 yrs
Headquarters	NEWARK, OH	TX
Category	Medical Laboratories	Medical Laboratories
Website	labtest1.com	arcpointlabs.com
FDD Year	N/A	2026

Which Is Better, Any Labtest Now or Arcpoint Labs?

Lower upfront capital required

Tie

Any Labtest Now: $60K starting · Arcpoint Labs: $166K starting

More SBA lender confidence

Arcpoint Labs

Any Labtest Now: 27 SBA loans · Arcpoint Labs: 68 SBA loans

Lower SBA default rate

Any Labtest Now

Any Labtest Now: 0.0% · Arcpoint Labs: 7.4%

Larger system & brand presence

Tie

Any Labtest Now: 244 units · Arcpoint Labs: 128 units

Lower ongoing royalty load

Tie

Any Labtest Now: 7% · Arcpoint Labs: 7%

More lender financing options

Arcpoint Labs

Any Labtest Now: 14 unique lenders · Arcpoint Labs: 24 unique lenders

Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.

Franchise Financing

Need Funding for Any Labtest Now or Arcpoint Labs?

PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.

500+

SBA Lenders & Capital Sources

Retainers or Consulting Fees

SBA 7(a)

10% Down Franchise Loans

Find My Loan Program Estimate Monthly Payment

About These Franchises

Any Labtest Now

No description available.

Full Profile

Arcpoint Labs

No description available.

Full Profile

Any Labtest Now vs Arcpoint Labs: Franchise Funding Comparison

Comparing Any Labtest Now and Arcpoint Labs is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $60K to $310K.

Any Labtest Now has 27 SBA loans on record and Arcpoint Labs has 68. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.

SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.

Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.

SBA Loan Guide Franchise Funding Options Best SBA Franchise Lenders All Franchises Talk to PeerSense

Any Labtest Now vs Arcpoint Labs, Frequently Asked Questions

Which is a better franchise investment, Any Labtest Now or Arcpoint Labs?

Compare Any Labtest Now vs Arcpoint Labs franchise costs, FDD data, royalty rates, unit counts, and SBA lending history side by side above. The best franchise depends on your capital, market, and risk tolerance, not a single ranking. Use the decision matrix above to see which brand wins on each financing dimension.

How much does a Any Labtest Now franchise cost compared to Arcpoint Labs?

Any Labtest Now requires $60K to $298K in total initial investment with a $55K franchise fee. Arcpoint Labs requires $166K to $310K with a $55K franchise fee. All numbers come from official Franchise Disclosure Document filings.

Can I finance Any Labtest Now or Arcpoint Labs with an SBA loan?

Both brands appear on the SBA Franchise Directory and have funded SBA 7(a) loans: Any Labtest Now has 27 SBA loans on record; Arcpoint Labs has 68. SBA 7(a) is the most common franchise financing vehicle, offering up to $5M with 10% down. PeerSense routes your deal to lenders who have already approved the brand.

Which has a lower SBA default rate, Any Labtest Now or Arcpoint Labs?

Any Labtest Now: 0.0% SBA default rate. Arcpoint Labs: 7.4% SBA default rate. Lower default rates mean lenders quote tighter rates and underwrite faster.

Compare Any Labtest Now to other franchises Compare Arcpoint Labs to other franchises Browse all Medical Laboratories franchises

Talk to PeerSense

Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.

Franchise / SBA 7(a): The desk will reach out. No obligation.

How big is your deal?

Where are you in the deal?

Equity or down payment ready

Credit score

Timeline to close

SBA already on the books?

What best describes your company

Liquid funds available outside this deal

Where is the property or business

By checking this box and submitting my information, I electronically sign and agree that PeerSense, Inc. and its affiliates, funding partners, and franchise partners may contact me at the email address and phone number I provided, including by phone call, SMS/text message (including autodialed, prerecorded, or artificial voice messages), and email, for marketing, franchise research, and funding related purposes, even if that number is on any Do Not Call list. Message and data rates may apply. Consent is not a condition of purchase. I may opt out at any time by replying STOP to texts or emailing info@peersense.com. I have read and agree to the Privacy Policy and Terms of Service.

Referral fee realized at closing · Or call (317) 452 6990

Page Review

Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense

PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and the capital source sets final terms.
Edward L. Freeman founded PeerSense in January 2020.
He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page

Last reviewed October 2, 2026LinkedIn profile About Edward Freeman