Ellie Mental Health
The total investment to open a Ellie Mental Health franchise ranges from $30,000 to $350,000. The initial franchise fee is $30,000. Ongoing royalties are 7.5% plus a 2% advertising fee.
What is the Ellie Mental Health franchise?
Ellie Mental Health franchises mental health practices where therapists provide care to people seeking support. The 2025 Franchise Disclosure Document estimates total initial investment at $30,000 to $350,000; the initial franchise fee equals the lower end of that range.
The royalty is 7.5 percent of sales, and the advertising or brand fund fee is 2 percent.
Franchisees need $125,000 in liquid capital and a net worth of $250,000. The franchise agreement term is 10 years. Headquarters are in Cedar Park, TX.
Loan Activity Score
73/100
SBA Default Rate
0.8%
Active Lenders
14
According to its Franchise Disclosure Document or public business records, Ellie Mental Health has 71 locations, all owned by franchisees. Public SBA loan records show 14 lenders made 123 loans to franchisees of Ellie Mental Health. PeerSense calculates Ellie Mental Health's score as 73 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2025 Franchise Disclosure Document.
Franchising since 2015 · 71 locations
$30,000 to $350,000
$30,000
71
71 franchised
Proprietary PeerSense metric
StrongDistinct lenders in public SBA records for Ellie Mental Health
123
Total SBA loans
$185K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Ellie Mental Health
Loan Activity Score Breakdown
Major Brand (100+ loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
0.8%
vs 10.8% peer avg
SBA Loans
123
Total Volume
$22.8M
Active Lenders
14
7 selective
States
29
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Ellie Mental Health based on SBA lending data
SBA Default Rate
0.8%
10.0% below peer avg
SBA Loan Volume
123 loans
Across 14 lenders
Lender Diversity
14 lenders
Avg 8.8 loans per lender
Investment Tier
Mid range investment
$30,000 to $350,000 total
Ellie Mental Health: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2023
77 approvals. The best year on record for Ellie Mental Health.
Top SBA State
Texas
21 SBA financed Ellie Mental Health locations, the densest operator footprint.
Average Loan Size
$185K
Median $218K. Use as a sizing anchor when modeling your own Ellie Mental Health unit.
Lender Concentration
90.2%
Concentrated
Share of Ellie Mental Health approvals captured by the top 3 SBA lenders.
Ellie Mental Health's SBA lending pipeline peaked in 2023 (77 approvals). The last five fiscal years account for 100% of cumulative volume ($23M approved). Operator density is highest in Texas with 21 SBA financed locations. Average funded ticket sits at $185K, with the median at $218K. Lender mix is concentrated: the top three SBA lenders account for 90.2% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$311
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
Ellie Mental Health, unit breakdown
Explore Funding for Ellie Mental Health
Our business financing consultants help connect you with the right lending partners. Referral fee paid at closing.
Or get an instant analysis
Scan Your Deal Instantly3 FDDs Available for Ellie Mental Health
Review franchise fees, investment ranges, royalties, Item 19 financial data, and year over year trends. Request complimentary access through your PeerSense funding advisor.
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