Zivel
Franchising since 2018 · 7 locations
The total investment to open a Zivel franchise ranges from $29,000 - $350,360. The initial franchise fee is $39,500. Ongoing royalties are 6%. Zivel currently operates 7 locations (7 franchised). The top SBA 7(a) lenders for Zivel are The Huntington National Bank, American Bank and Pinnacle Bank. PeerSense FPI health score: 62/100.
$29,000 - $350,360
$39,500
7
7 franchised
Proprietary PeerSense metric
ModerateActive capital sources verified for Zivel financing
SBA
7(a) Eligible
21d
Avg Funding
P+2.25%
Best Rate
No retainers · Referral fee at closing
FPI Score Breakdown
Growing (10-24 loans)
SBA Lending Performance
SBA Default Rate
0.0%
0 of 11 loans charged off
SBA Loans
11
Total Volume
$2.2M
Active Lenders
4
States
5
Top SBA Lenders for Zivel
What is the Zivel franchise?
The question every prospective wellness entrepreneur should ask before committing capital is not whether the recovery and performance spa industry is growing — it clearly is — but whether a specific franchise system offers a defensible investment thesis at a cost structure that makes financial sense. Zivel enters that conversation as a Nashville, Tennessee-headquartered "all-in-one Performance and Recovery suite" franchise that positions itself explicitly as a non-medical wellness destination, offering services including cryotherapy, infrared sauna, float therapy, red light therapy, compression therapy, oxygen bars, cryoslimming, cryotoning, and cryofacials under a single roof. The brand has grown to 15 open locations as of mid-2025, with an additional 3 units under construction and 4 more under active development, giving it a total pipeline of 22 locations across states including Tennessee, Arkansas, Ohio, Florida, Colorado, Mississippi, Utah, and Georgia. The total initial investment range for a Zivel franchise runs between $327,400 and $429,000 per the franchisor's published disclosures — a figure the company markets aggressively as nearly one-third the cost of comparable multi-modality wellness competitors, which can exceed $1,000,000 per location. The initial franchise fee is $39,500, and the brand requires a minimum of $100,000 in liquid capital and a net worth of $350,000, which can be met individually or through a group arrangement. What makes Zivel worth independent analysis from a franchise investment standpoint is the intersection of a category with genuinely powerful secular tailwinds, a cost structure positioned well below category norms, and a machine-centric operating model that attempts to decouple revenue from headcount — a structural advantage that, if it performs as designed, materially changes the unit economics calculus for investors evaluating wellness franchise opportunities.
The global personal care services market, the industry category in which Zivel competes, was valued at approximately $455.13 billion in 2025 and is projected to reach $497.54 billion by 2026, representing a compound annual growth rate of 9.3 percent. Looking further out, the same market is projected to reach $713.55 billion by 2030, sustaining a CAGR of 9.4 percent through that period. A parallel data set tracking the broader beauty and personal care products market places the 2024 valuation at $506.88 billion globally, with projections to $996.48 billion by 2033 at a CAGR of 7.8 percent. The specific wellness and recovery segment that Zivel occupies — encompassing cryotherapy, infrared therapy, float therapy, and body contouring modalities — sits at the premium intersection of multiple converging consumer trends: rising health and wellness awareness, growing demand for non-pharmaceutical recovery solutions among both amateur athletes and aging populations, increasing consumer focus on self-care as a regular lifestyle expenditure rather than an occasional luxury, and the normalization of biohacking through platforms like social media where Gen Z and millennial consumers publicly document recovery routines. The aging population is a particularly significant structural driver, as services like infrared sauna, compression therapy, and red light therapy are increasingly sought by consumers over 50 managing chronic discomfort, inflammation, and mobility issues. The franchise investment category for wellness and recovery services has remained attractive precisely because this market remains relatively fragmented at the multi-modality level — most operators specialize in one or two service types, creating white space for comprehensive suite operators like Zivel to capture a larger share of consumer wallet within a single visit.
A thorough analysis of the Zivel franchise cost must begin with the $39,500 initial franchise fee, which is paid as a one-time upfront sum at the signing of the franchise agreement and grants the franchisee the right to operate under the Zivel trademarks, name, and business systems. In the context of the personal care and wellness franchise category broadly, a $39,500 franchise fee sits in the accessible-to-mid-tier range — well below premium wellness brands that can charge $50,000 to $75,000 or more for the initial license. The total Zivel franchise investment, ranging from $327,400 to $429,000, encompasses the franchise fee plus real estate buildout, equipment procurement, supplies, business licenses, and working capital, and Zivel explicitly claims this is approximately one-third the cost of comparable multi-modality wellness franchise alternatives, some of which the company states can cost investors in excess of $1,250,000 per location. The $100,000 liquidity requirement and $350,000 net worth threshold position Zivel as targeting serious franchise investors who are not first-time small business owners with minimal capital, but also not requiring the deep-pocketed institutional backing that premium category franchises demand. The ongoing royalty rate is 6 percent of gross revenue, which is standard within the franchise industry across categories, though Zivel offers a notable incentive structure: no percentage royalties are due for the first 12 months following lease signing, providing franchisees with a critical runway period to build membership volume and revenue before the royalty obligation activates. The company has not publicly disclosed an advertising fund contribution rate in available franchise documentation. Zivel also states explicitly that it does not accept kickbacks on any equipment or construction purchases made by franchisees, a structural commitment that, if maintained, meaningfully reduces the hidden cost burden that many franchise investors encounter through mandatory vendor relationships with inflated margins baked in. The brand also claims to generate savings on construction costs through its established buildout process, though specific dollar figures have not been publicly itemized.
The Zivel operating model is specifically engineered around a machine-based service delivery architecture, meaning that the majority of service experiences — cryotherapy chambers, infrared sauna pods, float tanks, compression devices, red light therapy beds, and oxygen delivery systems — are operated by the client with minimal technician intervention, rather than requiring licensed practitioners performing hands-on treatment for every session. This structural design choice has a direct and significant implication for labor costs: Zivel states that most business hours require only one to two staff members present, a staffing ratio that is dramatically lean compared to traditional day spas or medical aesthetics clinics that may require three to six employees per shift. The franchise includes an all-in-one scheduling and billing platform as well as a branded Zivel mobile app, enabling clients to book and pay independently and reducing the administrative burden on on-site staff. Once a location is operational and staffed, Zivel states that the majority of management and oversight functions can be executed off-site, which opens the door to a semi-absentee ownership model that is particularly attractive to multi-unit investors and owner-operators who maintain other professional or business commitments. The franchise development process follows a structured pathway: introduction call, formal application, budgeting and funding, extended education phase, territory selection, discovery day and site visit, final agreement execution, and onboarding. Specific training program duration, location, and content hours are not detailed in publicly available materials, which means prospective investors should request full training documentation during the FDD review process. Territory selection is listed as a formal step in the franchisee development process, and while exclusive territories may be available according to third-party franchise directories, the specific size and demographic parameters defining a Zivel territory are not publicly detailed and should be clarified in direct franchisor conversations backed by the FDD Exhibit A territory addendum.
Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document. This is a material fact for prospective Zivel franchise investors and warrants clear-eyed analysis rather than dismissal. The absence of an Item 19 disclosure means that the franchisor has chosen not to make formal financial performance representations — including average unit revenue, median gross sales, or operator earnings — and prospective franchisees cannot rely on an FDD-backed earnings claim when modeling their investment return. From an industry benchmarking standpoint, multi-modality wellness recovery suites with a comparable service mix — cryotherapy, float therapy, infrared sauna, body contouring — operating in suburban markets with strong health-conscious demographics have been reported by industry operators to generate annual revenues ranging from $400,000 to over $1,000,000 depending on membership penetration, ancillary retail, and market density. At a 6 percent royalty on a $500,000 revenue unit, the annual royalty obligation would total $30,000, which, combined with the initial investment midpoint of approximately $378,000, implies a payback timeline that is highly sensitive to membership conversion rates and average revenue per visit. Zivel's machine-based, low-staffing model theoretically compresses operating costs relative to labor-intensive wellness formats, which could support stronger EBITDA margins if revenue targets are achieved — but without disclosed Item 19 data, investors must rely on franchise validation calls with existing franchisees, independent market analysis, and third-party due diligence to stress-test revenue assumptions. The 12-month royalty-free period post-lease signing has direct financial value: at a $500,000 annualized revenue run rate, 6 percent represents $30,000 in first-year cost savings that effectively reduces the total cost of ownership during the ramp period. Prospective investors should formally request any internal performance benchmarks or unpublished franchise system data during discovery day conversations, as franchisors are permitted to share such information outside the FDD if properly documented under the appropriate regulatory framework.
Zivel's growth trajectory from its current base of 15 open locations, 3 under construction, and 4 under development signals a brand in active early-stage expansion rather than a mature system with hundreds of established units. The geographic footprint as of mid-2025 spans Tennessee, Arkansas, Ohio, Florida, Colorado, Mississippi, Utah, and Georgia, with confirmed "coming soon" markets in North Carolina, Kentucky, and additional Colorado locations including Colorado Springs, Parker, and Highlands Ranch. The Atlanta, Georgia market has two locations in development — the Buckhead and Cumming Windermere territories — with the Cumming location slated to open in summer 2025 under franchisee owners Jeff and Janis Lancaster. This multi-state expansion pattern from a Nashville headquarters suggests a hub-and-spoke geographic strategy, with early density in the Southeast and mountain West where health-and-wellness culture and favorable real estate economics intersect. Zivel's stated competitive advantages include the all-in-one service model that captures higher average client spend per visit than single-modality competitors, the machine-based architecture that compresses ongoing labor costs, the 12-month royalty holiday that reduces early-stage financial pressure on franchisees, and a total investment cost that the brand positions as a fraction of comparable multi-modality competitors. The branded Zivel app and integrated scheduling and billing platform represent technology infrastructure that, in a membership-driven wellness model, directly impacts client retention rates and lifetime customer value. The system's design for scale-up to multiple units within a geographic region is a meaningful signal about corporate expectations for franchisee profiles — Zivel appears to be building for multi-unit operators who can efficiently manage several locations within a defined territory cluster rather than individual owner-operators with a single-unit horizon.
The ideal Zivel franchise candidate is someone with $100,000 in accessible liquid capital and a net worth of $350,000, either individually or through a group structure, which opens the door to partnership-based ownership arrangements. The machine-based operating model reduces the need for candidates with deep wellness industry credentials — a background in business management, operations, or multi-unit retail or service environments is likely more directly applicable than clinical or aesthetic industry experience, given that the service delivery system is primarily equipment-driven. The semi-absentee ownership capability that Zivel explicitly promotes as a feature of the model makes the franchise particularly well-suited to professionals who want to diversify income through business ownership without exiting a primary career. Geographic expansion focus on suburban markets in the Southeast, mountain West, and Midwest — specifically North Carolina, Kentucky, Arkansas, Colorado, and Georgia for near-term openings — suggests that candidates in those regions have first-mover opportunity in territories where Zivel brand recognition is still being established, which typically creates stronger membership penetration prospects. The structured pathway from introduction call through onboarding, including territory selection and discovery day, implies a timeline of several months from initial inquiry to lease signing, with buildout and construction adding additional pre-opening time that investors should budget at minimum three to six months depending on site conditions and permitting timelines. Multi-unit development within a geographic region is explicitly positioned as a growth model by Zivel, meaning franchise agreement structures likely contemplate area development arrangements that prospective investors should review carefully for protected territory commitments and unit opening schedule obligations.
Synthesizing the full investment thesis, the Zivel franchise opportunity presents a genuinely differentiated positioning in a high-growth market: a $713.55 billion global personal care services industry by 2030, a total investment entry point of $327,400 to $429,000 that the company credibly positions as dramatically below comparable competitors, a machine-centric operating model that compresses the labor cost structure inherent to most wellness service businesses, and a 12-month royalty-free runway that provides meaningful financial cushion during the critical member acquisition phase. The absence of Item 19 financial performance disclosure is a factor that requires rigorous independent investigation rather than an automatic disqualifier — early-stage franchise systems with fewer than 20 units frequently lack the data volume necessary for statistically meaningful FPR disclosures, and a PeerSense FPI Score of 62 reflecting a moderate confidence rating is consistent with a brand at this stage of development. The key due diligence questions that separate disciplined investors from impulse buyers in this situation are: What are current franchisees' actual monthly revenue and member count figures, obtained through direct validation calls? What is the average time from lease signing to break-even cash flow? What are the full territory protection terms within the franchise agreement? And what does the corporate training and field support infrastructure look like in practice, not just on paper? PeerSense provides exclusive due diligence data including SBA lending history, FPI score, location maps with Google ratings, FDD financial data, and side-by-side comparison tools that allow prospective franchise investors to evaluate Zivel against category peers with the depth of independent analysis that a $327,400 to $429,000 capital commitment demands. Explore the complete Zivel franchise profile on PeerSense to access the full suite of independent franchise intelligence data.
FPI Score
62/100
SBA Default Rate
0.0%
Active Lenders
4
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for Zivel based on SBA lending data
SBA Default Rate
0.0%
0 of 11 loans charged off
SBA Loan Volume
11 loans
Across 4 lenders
Lender Diversity
4 lenders
Avg 2.8 loans per lender
Investment Tier
Mid-range investment
$29,000 – $350,360 total
Zivel — 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
2024
5 approvals — best year on record for Zivel.
Top SBA State
Florida
4 SBA-financed Zivel locations — the densest operator footprint.
Average Loan Size
$200K
Median $240K — use as a sizing anchor when modeling your own $Zivel unit.
Lender Concentration
90.9%
Concentrated
Share of Zivel approvals captured by the top 3 SBA lenders.
Zivel's SBA lending pipeline peaked in 2024 (5 approvals). The last five fiscal years account for 100% of cumulative volume ($2.2M approved). Operator density is highest in Florida with 4 SBA-financed locations. Average funded ticket sits at $200K, with the median at $240K. Lender mix is concentrated: the top three SBA lenders account for 90.9% of approvals — credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$300
Principal & Interest only
Locations
Zivel — unit breakdown
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