Essential Speech And Aba Thera vs Fyzical
Essential Speech And Aba Thera vs Fyzical: Essential Speech And Aba Thera costs $90K to $363K to open; Fyzical costs $64K to $2.3M. Essential Speech And Aba Thera has 7 units, Fyzical has 580. SBA loan history: Essential Speech And Aba Thera = 9 loans (0.0% default); Fyzical = 110 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.
Essential Speech And Aba Thera vs Fyzical: 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
Fyzical requires the lower minimum capital commitment ($64K vs $90K for Essential Speech And Aba Thera), a 40% spread. Initial franchise fees come in at $50K for Essential Speech And Aba Thera versus $49K for Fyzical, Fyzical has the lower entry fee. Ongoing royalty load is 5% for Essential Speech And Aba Thera and 6% for Fyzical, giving Essential Speech And Aba Thera the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Fyzical operates 580 units to Essential Speech And Aba Thera's 7, roughly 83× the system size. Fyzical has been operating 14 years (founded 2012) versus 9 for Essential Speech And Aba Thera (founded 2017), a 5-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Fyzical has the deeper SBA lending track record, with 110 7(a) approvals compared with 9 for Essential Speech And Aba Thera. Essential Speech And Aba Thera's peak SBA year was 2024 (5 loans); Fyzical's peak was 2022 (28 loans). Essential Speech And Aba Thera's more recent peak generally indicates fresher lender appetite. Essential Speech And Aba Thera has the most SBA funded units in GA, with 5. Fyzical leads in TX, with 18. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Essential Speech And Aba Thera deals is $252K vs $232K for Fyzical, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Essential Speech And Aba Thera and 0.0% for Fyzical. PeerSense FPI scores come in at 59 (Moderate) for Essential Speech And Aba Thera and 79 (Strong) for Fyzical, giving Fyzical the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 59/100 | 79/100 |
Health Tier | Moderate | Strong |
Confidence | N/A | N/A |
Lending Trend | N/A | Stable |
SBA Lending
SBA Loans | 9 | 110 |
SBA Volume | – | – |
Default Rate | 0.0% | 0.0% |
Peer Tier | emerging | major |
Investment & Costs
Total Investment | $90K to $363K | $64K to $2.3M |
Franchise Fee | $50K | $49K |
Royalty Rate | 5% | 6% |
Ad Fund | N/A | 2% |
Liquid Capital | N/A | $100K |
Net Worth Required | N/A | $350K |
Financial Performance (Item 19)
Item 19 Status | Not Disclosed | Disclosed |
System Size & Operations
Total Units | 7 | 580 |
Franchised Units | 7 | 524 |
Company Owned | – | 56 |
Term Length | N/A | 10 yrs |
Brand Information
Year Founded | 2017 | 2012 |
Franchising Since | N/A | 2013 |
Years Franchising | N/A | 13 yrs |
Headquarters | Sugar Hill, GA | CYPRESS, TX |
Category | Offices of Physical, Occupational | Offices of Physical, Occupational |
Website | ||
FDD Year | N/A | 2025 |
Which Is Better, Essential Speech And Aba Thera or Fyzical?
Lower upfront capital required
Tie
Essential Speech And Aba Thera: $90K starting · Fyzical: $64K starting
More SBA lender confidence
Fyzical
Essential Speech And Aba Thera: 9 SBA loans · Fyzical: 110 SBA loans
Lower SBA default rate
Tie
Essential Speech And Aba Thera: 0.0% · Fyzical: 0.0%
Larger system & brand presence
Tie
Essential Speech And Aba Thera: 7 units · Fyzical: 580 units
Lower ongoing royalty load
Essential Speech And Aba Thera
Essential Speech And Aba Thera: 5% · Fyzical: 6%
More lender financing options
Fyzical
Essential Speech And Aba Thera: 3 unique lenders · Fyzical: 36 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.
Need Funding for Essential Speech And Aba Thera or Fyzical?
PeerSense connects you with 500+ SBA lenders and capital sources. Our referral fee is established upfront and paid at closing.
SBA Lenders & Capital Sources
Retainers or Consulting Fees
10% Down Franchise Loans
About These Franchises
Essential Speech And Aba Thera vs Fyzical: Franchise Funding Comparison
Comparing Essential Speech And Aba Thera and Fyzical is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $64K to $2.3M.
Essential Speech And Aba Thera has 9 SBA loans on record and Fyzical has 110. 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.
Essential Speech And Aba Thera vs Fyzical, Frequently Asked Questions
Which is a better franchise investment, Essential Speech And Aba Thera or Fyzical?
How much does a Essential Speech And Aba Thera franchise cost compared to Fyzical?
Can I finance Essential Speech And Aba Thera or Fyzical with an SBA loan?
Which has a lower SBA default rate, Essential Speech And Aba Thera or Fyzical?
Talk to PeerSense
Tell us which brand and your budget. We source capital from lenders who have already funded deals in these systems.
Franchise / SBA 7(a): The desk will reach out. No obligation.
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