Degree Wellness vs The Tox
Degree Wellness vs The Tox: Degree Wellness costs $428K to $788K to open; The Tox costs $258K to $449K. Degree Wellness has 14 units, The Tox has 6. SBA loan history: Degree Wellness = 17 loans (0.0% default); The Tox = 7 loans (0.0% 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.
Degree Wellness vs The Tox: 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
The Tox requires the lower minimum capital commitment ($258K vs $428K for Degree Wellness), a 66% spread. Initial franchise fees come in at $50K for Degree Wellness versus $50K for The Tox. Ongoing royalty load is 7% for Degree Wellness and 8% for The Tox, giving Degree Wellness the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Degree Wellness operates 14 units to The Tox's 6, roughly 2× the system size. Degree Wellness has been operating 8 years (founded 2018) versus 7 for The Tox (founded 2019), a 1-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Degree Wellness has the deeper SBA lending track record, with 17 7(a) approvals compared with 7 for The Tox. Degree Wellness's peak SBA year was 2025 (10 loans); The Tox's peak was 2025 (5 loans). The Tox's more recent peak generally indicates fresher lender appetite. Degree Wellness has the most SBA funded units in TX, with 5. The Tox leads in OH, with 2. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Degree Wellness deals is $580K vs $301K for The Tox, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Degree Wellness and 0.0% for The Tox. PeerSense FPI scores come in at 68 (Strong) for Degree Wellness and 65 (Strong) for The Tox, giving Degree Wellness the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 68/100 | 65/100 |
Health Tier | Strong | Strong |
Confidence | N/A | N/A |
Lending Trend | N/A | N/A |
SBA Lending
SBA Loans | 17 | 7 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | growing | emerging |
Investment & Costs
Total Investment | $428K to $788K | $258K to $449K |
Franchise Fee | $50K | $50K |
Royalty Rate | 7% | 8% |
Ad Fund | 1% | 2% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 14 | 6 |
Franchised Units | 14 | 6 |
Company Owned | – | – |
Term Length | 10 yrs | 10 yrs |
Brand Information
Year Founded | 2018 | 2019 |
Franchising Since | 2024 | 2021 |
Years Franchising | 2 yrs | 5 yrs |
Headquarters | FLOWER MOUND, TX | Vero Beach, FL |
Category | Offices of All Other Miscellaneous Health Practitioners | Offices of All Other Miscellaneous Health Practitioners |
Website | ||
FDD Year | 2025 | 2025 |
Which Is Better, Degree Wellness or The Tox?
Lower upfront capital required
The Tox
Degree Wellness: $428K starting · The Tox: $258K starting
More SBA lender confidence
Degree Wellness
Degree Wellness: 17 SBA loans · The Tox: 7 SBA loans
Lower SBA default rate
Tie
Degree Wellness: 0.0% · The Tox: 0.0%
Larger system & brand presence
Degree Wellness
Degree Wellness: 14 units · The Tox: 6 units
Lower ongoing royalty load
Degree Wellness
Degree Wellness: 7% · The Tox: 8%
More lender financing options
Degree Wellness
Degree Wellness: 9 unique lenders · The Tox: 3 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
Degree Wellness vs The Tox: Franchise Funding Comparison
Comparing Degree Wellness and The Tox is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $258K to $788K.
Degree Wellness has 17 SBA loans on record and The Tox has 7. Those totals are cumulative history rather than a measure of current appetite. There is not enough recent lending activity on record to judge current appetite for at least one of these brands, so it has to be checked deal by deal.
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.
Degree Wellness vs The Tox, Frequently Asked Questions
Which is a better franchise investment, Degree Wellness or The Tox?
How much does a Degree Wellness franchise cost compared to The Tox?
Can I finance Degree Wellness or The Tox with an SBA loan?
Which has a lower SBA default rate, Degree Wellness or The Tox?
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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