Which has more SBA loans, Fyzical or Physical Therapy Now?

Fyzical has 110 SBA 7(a) historical approvals; Physical Therapy Now has 13. Fyzical has the deeper public lender track record, which generally translates into faster pre-qualification and broader lender familiarity.

What is the default rate for Fyzical vs Physical Therapy Now SBA loans?

Fyzical's SBA default rate is 0.0%, versus 7.7% for Physical Therapy Now. Fyzical has the cleaner loss profile, which capital sources weigh when pricing the next deal in the brand.

When did Fyzical and Physical Therapy Now peak in SBA lending volume?

Fyzical's SBA approval peak was 2022 with 28 loans; Physical Therapy Now's peak was 2019 with 5. A more recent peak (currently Fyzical) generally indicates fresher lender appetite and easier financing today.

Which states have the most Fyzical and Physical Therapy Now SBA loans?

Fyzical leads in TX with 18 SBA-funded units; Physical Therapy Now leads in FL with 11. The brand that matches your operating state typically closes faster because local lenders already know the unit economics.

Side by Side Comparison

Fyzical vs Physical Therapy Now

Quick Answer

Fyzical vs Physical Therapy Now: Fyzical costs $64K to $2.3M to open; Physical Therapy Now costs $150K to $260K. Fyzical has 580 units, Physical Therapy Now has 11. SBA loan history: Fyzical = 110 loans (0.0% default); Physical Therapy Now = 13 loans (7.7% 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 Physical Therapy Now: 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 $150K for Physical Therapy Now), a 57% spread.

System Scale & Tenure

On scale, Fyzical operates 580 units to Physical Therapy Now's 11, roughly 53× the system size.

SBA Lending Profile

Fyzical has the deeper SBA lending track record, with 110 7(a) approvals compared with 13 for Physical Therapy Now. Fyzical's peak SBA year was 2022 (28 loans); Physical Therapy Now's peak was 2019 (5 loans). Fyzical's more recent peak generally indicates fresher lender appetite. Fyzical has the most SBA funded units in TX, with 18. Physical Therapy Now leads in FL, with 11. 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 $186K for Physical Therapy Now, useful as a sizing anchor when modeling your own unit.

Risk Signal

SBA default rates are 0.0% for Fyzical and 7.7% for Physical Therapy Now, Fyzical has the cleaner SBA loss record by 7.7 points. PeerSense FPI scores come in at 79 (Strong) for Fyzical and 35 (Fair) for Physical Therapy Now, giving Fyzical the stronger composite signal across SBA performance, lender appetite, and operational consistency.

Fyzical

Offices of Physical, Occupational

79 13W

Physical Therapy Now

Offices of Physical, Occupational

Health & Performance

FPI Score	79/100	35/100
Health Tier	Strong	Fair
Confidence	N/A	N/A
Lending Trend	Stable	Declining

SBA Lending

SBA Loans	110	13
SBA Volume	–	–
Default Rate	0.0%	7.7%
Peer Tier	major	growing

Investment & Costs

Total Investment	$64K to $2.3M	$150K to $260K
Franchise Fee	$49K	N/A
Royalty Rate	6%	N/A
Ad Fund	2%	N/A
Liquid Capital	$100K	N/A
Net Worth Required	$350K	N/A

Financial Performance (Item 19)

Item 19 Status

Disclosed

Not Disclosed

System Size & Operations

Total Units	580	11
Franchised Units	524	11
Company Owned	56	–
Term Length	10 yrs	N/A

Brand Information

Year Founded	2012	N/A
Franchising Since	2013	N/A
Years Franchising	13 yrs	N/A
Headquarters	CYPRESS, TX	MIAMI, FL
Category	Offices of Physical, Occupational	Offices of Physical, Occupational
Website	fyzical.com/own-a-fyzical-franchise	physicaltherapynow.com/franchise
FDD Year	2025	N/A

Which Is Better, Fyzical or Physical Therapy Now?

Lower upfront capital required

Tie

Fyzical: $64K starting · Physical Therapy Now: $150K starting

More SBA lender confidence

Fyzical

Fyzical: 110 SBA loans · Physical Therapy Now: 13 SBA loans

Lower SBA default rate

Fyzical

Fyzical: 0.0% · Physical Therapy Now: 7.7%

Larger system & brand presence

Tie

Fyzical: 580 units · Physical Therapy Now: 11 units

More lender financing options

Fyzical

Fyzical: 36 unique lenders · Physical Therapy Now: 4 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.

Franchise Financing

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About These Franchises

Fyzical

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Physical Therapy Now

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Fyzical vs Physical Therapy Now: Franchise Funding Comparison

Comparing Fyzical and Physical Therapy Now 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.

Fyzical has 110 SBA loans on record and Physical Therapy Now has 13. 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.

SBA Loan Guide Franchise Funding Options Best SBA Franchise Lenders All Franchises Talk to PeerSense

Fyzical vs Physical Therapy Now, Frequently Asked Questions

Which is a better franchise investment, Fyzical or Physical Therapy Now?

Compare Fyzical vs Physical Therapy Now franchise costs, FDD data, royalty rates, unit counts, and SBA lending history side by side above. The best franchise depends on your capital, market, and risk tolerance, not a single ranking. Use the decision matrix above to see which brand wins on each financing dimension.

How much does a Fyzical franchise cost compared to Physical Therapy Now?

Fyzical requires $64K to $2.3M in total initial investment with a $49K franchise fee. Physical Therapy Now requires $150K to $260K with a N/A franchise fee. All numbers come from official Franchise Disclosure Document filings.

Can I finance Fyzical or Physical Therapy Now with an SBA loan?

Both brands appear on the SBA Franchise Directory and have funded SBA 7(a) loans: Fyzical has 110 SBA loans on record; Physical Therapy Now has 13. SBA 7(a) is the most common franchise financing vehicle, offering up to $5M with 10% down. PeerSense routes your deal to lenders who have already approved the brand.

Which has a lower SBA default rate, Fyzical or Physical Therapy Now?

Fyzical: 0.0% SBA default rate. Physical Therapy Now: 7.7% SBA default rate. Lower default rates mean lenders quote tighter rates and underwrite faster.

Compare Fyzical to other franchises Compare Physical Therapy Now to other franchises Browse all Offices of Physical, Occupational franchises

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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 October 2, 2026LinkedIn profile About Edward Freeman