Dermacare vs The Tox
Dermacare vs The Tox: Dermacare costs $224K to $822K to open; The Tox costs $258K to $449K. Dermacare has 4 units, The Tox has 6. SBA loan history: Dermacare = 9 loans (44.4% 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.
Dermacare 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
Dermacare requires the lower minimum capital commitment ($224K vs $258K for The Tox), a 13% spread.
System Scale & Tenure
On scale, The Tox operates 6 units to Dermacare's 4.
SBA Lending Profile
Dermacare has the deeper SBA lending track record, with 9 7(a) approvals compared with 7 for The Tox. Dermacare's peak SBA year was 2006 (4 loans); The Tox's peak was 2025 (5 loans). The Tox's more recent peak generally indicates fresher lender appetite. Dermacare has the most SBA funded units in AZ, with 3. 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 Dermacare deals is $459K vs $301K for The Tox, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 44.4% for Dermacare and 0.0% for The Tox, The Tox has the cleaner SBA loss record by 44.4 points. PeerSense FPI scores come in at 17 (Fair) for Dermacare and 65 (Strong) for The Tox, giving The Tox the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 17/100 | 65/100 |
Health Tier | Limited | Strong |
Confidence | N/A | N/A |
Lending Trend | Declining | N/A |
SBA Lending
SBA Loans | 9 | 7 |
SBA Volume | – | – |
Default Rate | 44.4% | 0.0% |
Peer Tier | emerging | emerging |
Investment & Costs
Total Investment | $224K to $822K | $258K to $449K |
Franchise Fee | N/A | $50K |
Royalty Rate | N/A | 8% |
Ad Fund | N/A | 2% |
Liquid Capital | N/A | N/A |
Net Worth Required | N/A | N/A |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 4 | 6 |
Franchised Units | 4 | 6 |
Company Owned | – | – |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | N/A | 2019 |
Franchising Since | N/A | 2021 |
Years Franchising | N/A | 5 yrs |
Headquarters | MESA, AZ | Vero Beach, FL |
Category | Offices of All Other Miscellaneous Health Practitioners | Offices of All Other Miscellaneous Health Practitioners |
Website | ||
FDD Year | N/A | 2025 |
Which Is Better, Dermacare or The Tox?
Lower upfront capital required
Tie
Dermacare: $224K starting · The Tox: $258K starting
More SBA lender confidence
Dermacare
Dermacare: 9 SBA loans · The Tox: 7 SBA loans
Lower SBA default rate
The Tox
Dermacare: 44.4% · The Tox: 0.0%
Larger system & brand presence
Tie
Dermacare: 4 units · The Tox: 6 units
More lender financing options
Dermacare
Dermacare: 4 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
Dermacare vs The Tox: Franchise Funding Comparison
Comparing Dermacare and The Tox is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $224K to $822K.
Dermacare has 9 SBA loans on record and The Tox 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.
Dermacare vs The Tox, Frequently Asked Questions
Which is a better franchise investment, Dermacare or The Tox?
How much does a Dermacare franchise cost compared to The Tox?
Can I finance Dermacare or The Tox with an SBA loan?
Which has a lower SBA default rate, Dermacare 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