CLUB Z!, vs Tutor Doctor
CLUB Z!, vs Tutor Doctor: CLUB Z!, costs $41K–$57K to open; Tutor Doctor costs $62K–$150K. CLUB Z!, has 328 units, Tutor Doctor has 59. SBA loan history: CLUB Z!, = 27 loans (11.1% default); Tutor Doctor = 84 loans (27.4% default). The franchise with more SBA-funded units, lower default rate, and lower royalty load is the safer financing bet, see the comparison below.
CLUB Z!, vs Tutor Doctor: Capital, Scale & Lending Analysis
Data-driven differentiation pulled from 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
CLUB Z!, requires the lower minimum capital commitment ($41K vs $62K for Tutor Doctor), a 34% spread.
System Scale & Tenure
On scale, CLUB Z!, operates 328 units to Tutor Doctor's 59, roughly 6× the system size.
SBA Lending Profile
Tutor Doctor has the deeper SBA lending track record with 84 historical 7(a) approvals versus 27 for CLUB Z!,.
Risk Signal
SBA default rates are 11.1% for CLUB Z!, and 27.4% for Tutor Doctor, CLUB Z!, has the cleaner historical loss profile by 16.3 points. PeerSense FPI scores come in at 47 (Fair) for CLUB Z!, and 32 (Fair) for Tutor Doctor, giving CLUB Z!, the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 47/100 | 32/100 |
Health Tier | Fair | Limited |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 27 | 84 |
SBA Volume | – | – |
Default Rate | 11.1% | 27.4% |
Peer Tier | established | established |
Investment & Costs
Total Investment | $41K – $57K | $62K – $150K |
Franchise Fee | $27K | N/A |
Royalty Rate | 6% | 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 | Disclosed | Not Disclosed |
System Size & Operations
Total Units | 328 | 59 |
Franchised Units | 328 | 59 |
Company-Owned | – | – |
Term Length | 7 yrs | N/A |
Brand Information
Year Founded | 1995 | N/A |
Franchising Since | 1998 | N/A |
Years Franchising | 28 yrs | N/A |
Headquarters | N/A | KATY, TX |
Category | Exam Preparation | Exam Preparation |
Website | ||
FDD Year | 2026 | N/A |
Which Is Better, CLUB Z!, or Tutor Doctor?
Lower upfront capital required
CLUB Z!,
CLUB Z!,: $41K starting · Tutor Doctor: $62K starting
More SBA lender confidence
Tutor Doctor
CLUB Z!,: 27 SBA loans · Tutor Doctor: 84 SBA loans
Lower historical default rate
CLUB Z!,
CLUB Z!,: 11.1% · Tutor Doctor: 27.4%
Larger system & brand presence
CLUB Z!,
CLUB Z!,: 328 units · Tutor Doctor: 59 units
More lender financing options
CLUB Z!,
CLUB Z!,: 18 unique lenders · Tutor Doctor: 17 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
CLUB Z!, vs Tutor Doctor: Franchise Funding Comparison
Comparing CLUB Z!, and Tutor Doctor is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $41K to $150K.
Both brands have active SBA lending histories, CLUB Z!, with 27 SBA loans and Tutor Doctor with 84. This means proven lender acceptance and established underwriting paths for franchise buyers.
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.
CLUB Z!, vs Tutor Doctor, Frequently Asked Questions
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