Fyzical vs Miracleear
Fyzical vs Miracleear: Fyzical costs $64K to $2.3M to open; Miracleear costs $33K to $965K. Fyzical has 580 units, Miracleear has 40. SBA loan history: Fyzical = 110 loans (0.0% default); Miracleear = 41 loans (7.3% 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.
Fyzical vs Miracleear: 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
Miracleear requires the lower minimum capital commitment ($33K vs $64K for Fyzical), a 98% spread. Initial franchise fees come in at $49K for Fyzical versus $30K for Miracleear, Miracleear has the lower entry fee. Ongoing royalty load is 6% for Fyzical and 5% for Miracleear, giving Miracleear the lighter per-unit drag on operating income.
System Scale & Tenure
On scale, Fyzical operates 580 units to Miracleear's 40, roughly 15× the system size. Miracleear has been operating 78 years (founded 1948) versus 14 for Fyzical (founded 2012), a 64-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 41 for Miracleear. Fyzical's peak SBA year was 2022 (28 loans); Miracleear's peak was 2021 (4 loans). Fyzical's more recent peak generally indicates fresher lender appetite. Fyzical has the most SBA funded units in TX, with 18. Miracleear leads in PA, with 5. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Fyzical deals is $232K vs $256K for Miracleear, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 0.0% for Fyzical and 7.3% for Miracleear, Fyzical has the cleaner SBA loss record by 7.3 points. PeerSense FPI scores come in at 79 (Strong) for Fyzical and 49 (Fair) for Miracleear, giving Fyzical the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 79/100 | 49/100 |
Health Tier | Strong | Fair |
Confidence | N/A | N/A |
Lending Trend | Stable | Declining |
SBA Lending
SBA Loans | 110 | 41 |
SBA Volume | – | – |
Default Rate | 0.0% | 7.3% |
Peer Tier | major | established |
Investment & Costs
Total Investment | $64K to $2.3M | $33K to $965K |
Franchise Fee | $49K | $30K |
Royalty Rate | 6% | 5% |
Ad Fund | 2% | 10% |
Liquid Capital | $100K | N/A |
Net Worth Required | $350K | N/A |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 580 | 40 |
Franchised Units | 524 | 40 |
Company Owned | 56 | – |
Term Length | 10 yrs | 5 yrs |
Brand Information
Year Founded | 2012 | 1948 |
Franchising Since | 2013 | N/A |
Years Franchising | 13 yrs | N/A |
Headquarters | CYPRESS, TX | STATE COLLEGE, PA |
Category | Offices of Physical, Occupational | Offices of Physical, Occupational |
Website | ||
FDD Year | 2026 | 2026 |
Which Is Better, Fyzical or Miracleear?
Lower upfront capital required
Miracleear
Fyzical: $64K starting · Miracleear: $33K starting
More SBA lender confidence
Fyzical
Fyzical: 110 SBA loans · Miracleear: 41 SBA loans
Lower SBA default rate
Fyzical
Fyzical: 0.0% · Miracleear: 7.3%
Larger system & brand presence
Fyzical
Fyzical: 580 units · Miracleear: 40 units
Lower ongoing royalty load
Miracleear
Fyzical: 6% · Miracleear: 5%
More lender financing options
Fyzical
Fyzical: 36 unique lenders · Miracleear: 23 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
Fyzical vs Miracleear: Franchise Funding Comparison
Comparing Fyzical and Miracleear is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $33K to $2.3M.
Fyzical has 110 SBA loans on record and Miracleear has 41. 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.
Fyzical vs Miracleear, Frequently Asked Questions
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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