CLUB Z!, vs Tutor Doctor
CLUB Z!, vs Tutor Doctor: CLUB Z!, costs $41K to $57K to open; Tutor Doctor costs $62K to $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, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
CLUB Z!, vs Tutor Doctor: 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
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 7(a) approvals compared with 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 SBA loss record 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 to $57K | $62K to $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
Tie
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 SBA default rate
CLUB Z!,
CLUB Z!,: 11.1% · Tutor Doctor: 27.4%
Larger system & brand presence
Tie
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.
CLUB Z!, has 27 SBA loans on record and Tutor Doctor has 84. 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.
CLUB Z!, vs Tutor Doctor, Frequently Asked Questions
Which is a better franchise investment, CLUB Z!, or Tutor Doctor?
How much does a CLUB Z!, franchise cost compared to Tutor Doctor?
Can I finance CLUB Z!, or Tutor Doctor with an SBA loan?
Which has a lower SBA default rate, CLUB Z!, or Tutor Doctor?
Talk to PeerSense
Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.
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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; 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 LinkedIn profileAbout Edward Freeman