ApexNetwork Physical Therapy vs See The Trainer
ApexNetwork Physical Therapy vs See The Trainer: ApexNetwork Physical Therapy costs $149K to $448K to open; See The Trainer costs $78K to $2.4M. ApexNetwork Physical Therapy has 7 units, See The Trainer has 9. SBA loan history: ApexNetwork Physical Therapy = 8 loans (0.0% default); See The Trainer = 7 loans (14.3% 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.
ApexNetwork Physical Therapy vs See The Trainer: 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
See The Trainer requires the lower minimum capital commitment ($78K vs $149K for ApexNetwork Physical Therapy), a 92% spread. Initial franchise fees come in at $50K for ApexNetwork Physical Therapy versus $30K for See The Trainer, See The Trainer has the lower entry fee.
System Scale & Tenure
On scale, See The Trainer operates 9 units to ApexNetwork Physical Therapy's 7. See The Trainer has been operating 30 years (founded 1996) versus 29 for ApexNetwork Physical Therapy (founded 1997), a 1-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
ApexNetwork Physical Therapy has the deeper SBA lending track record, with 8 7(a) approvals compared with 7 for See The Trainer.
Risk Signal
SBA default rates are 0.0% for ApexNetwork Physical Therapy and 14.3% for See The Trainer, ApexNetwork Physical Therapy has the cleaner SBA loss record by 14.3 points. PeerSense FPI scores come in at 44 (Fair) for ApexNetwork Physical Therapy and 21 (Fair) for See The Trainer, giving ApexNetwork Physical Therapy the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 44/100 | 21/100 |
Health Tier | Fair | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 8 | 7 |
SBA Volume | – | – |
Default Rate | 0.0% | 14.3% |
Peer Tier | emerging | emerging |
Investment & Costs
Total Investment | $149K to $448K | $78K to $2.4M |
Franchise Fee | $50K | $30K |
Royalty Rate | 8% | N/A |
Ad Fund | 2% | N/A |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Not Disclosed |
System Size & Operations
Total Units | 7 | 9 |
Franchised Units | 7 | 9 |
Company Owned | – | – |
Term Length | 10 yrs | N/A |
Brand Information
Year Founded | 1997 | 1996 |
Franchising Since | N/A | N/A |
Years Franchising | N/A | N/A |
Headquarters | Highland, IL | Bellevue, NE |
Category | Offices of Physical, Occupational | Offices of Physical, Occupational |
Website | ||
FDD Year | N/A | N/A |
Which Is Better, ApexNetwork Physical Therapy or See The Trainer?
Lower upfront capital required
Tie
ApexNetwork Physical Therapy: $149K starting · See The Trainer: $78K starting
More SBA lender confidence
ApexNetwork Physical Therapy
ApexNetwork Physical Therapy: 8 SBA loans · See The Trainer: 7 SBA loans
Lower SBA default rate
ApexNetwork Physical Therapy
ApexNetwork Physical Therapy: 0.0% · See The Trainer: 14.3%
Larger system & brand presence
Tie
ApexNetwork Physical Therapy: 7 units · See The Trainer: 9 units
More lender financing options
Tie
ApexNetwork Physical Therapy: 6 unique lenders · See The Trainer: 6 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.
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About These Franchises
ApexNetwork Physical Therapy vs See The Trainer: Franchise Funding Comparison
Comparing ApexNetwork Physical Therapy and See The Trainer is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $78K to $2.4M.
ApexNetwork Physical Therapy has 8 SBA loans on record and See The Trainer has 7. 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.
ApexNetwork Physical Therapy vs See The Trainer, Frequently Asked Questions
Which is a better franchise investment, ApexNetwork Physical Therapy or See The Trainer?
How much does a ApexNetwork Physical Therapy franchise cost compared to See The Trainer?
Can I finance ApexNetwork Physical Therapy or See The Trainer with an SBA loan?
Which has a lower SBA default rate, ApexNetwork Physical Therapy or See The Trainer?
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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; 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 LinkedIn profileAbout Edward Freeman