Verified — real FDD extraction
Not found in the SBA Franchise Directory under this name — though SBA loans to its franchisees exist; verify eligibility with your lender
ActionCoach
Other · independent · est. —
ActionCOACH is a business coaching franchise that provides one-on-one coaching, group programs, and workshops for small and mid-sized business owners. A franchisee works as a certified coach, typically from a home office, selling and delivering coaching engagements to local business clients.
ActionCoach net unit count declined -21.9% from 2015–2025 per its FDD Item 20.
New to franchising? Start here
A franchise is a business where you (the franchisee) pay a company (the franchisor) for the right to open and run a location using their brand and system — think a local Anytime Fitness or Taco John's owned by a small-business owner, not the corporation.
Before you can buy in, U.S. law requires the franchisor to give you a Franchise Disclosure Document (FDD) — a long legal filing covering its fees, finances, and history. The numbers on this page come straight from that document:
- Franchise fee — the one-time cost to buy in.
- Royalty — the ongoing cut of your sales you pay the franchisor.
- Item 20 — how many locations opened and closed, the basis for our verdict (from Proven & strong down to Distressed — or Too new to judge).
The verdict
Showing strain
Distress
The disclosed record shows weakness — shrinking units, elevated exits, or churn — worth reading closely before going further.
Exit rate · latest year
10.7%
fiscal 2025, per Item 20
Cost to open
$64K–$137K
Item 7 total investment range
SBA loan defaults
Too few resolved
21 loans exist; too few resolved to rate
Behind the verdict
the record, factor by factor · Item 20
3-yr trend · Item 20 Table 1
terminations + ceased-ops vs. all exits · Table 3
transfers vs. base · Table 3
actual vs. projected openings · Table 5
Item 19 disclosure + completeness
Systemwide units
2023–2025
Survival record
FDD Item 20 · outlet status by year
In fiscal 2025, 3 of 28 franchised outlets left the system — a 10.7% annualized exit rate. Not every exit is a failure — but this is the measurable floor.
Show the outlet tables ↓Hide the evidence ↑
| Status (FTC) | 2015 | 2016 | 2017 | 2023 | 2024 | 2025 |
|---|---|---|---|---|---|---|
| Outlets at start | 152 | 142 | 139 | 32 | 32 | 28 |
| Opened | 25 | 25 | 18 | 3 | 0 | 1 |
| Transfers | 0 | 0 | 0 | 0 | 1 | 0 |
| Terminations | 23 | 14 | 19 | 1 | 3 | 2 |
| Non-renewals | 3 | 10 | 5 | 2 | 1 | 1 |
| Reacquired by franchisor | 2 | 0 | 0 | 0 | 0 | 0 |
| Ceased — other reasons | 7 | 4 | 2 | 0 | 0 | 0 |
| Outlets at end | 142 | 139 | 131 | 32 | 28 | 25 |
| Net change | -10 | -3 | -8 | 0 | -4 | -3 |
The lender's view
SBA 7(a)/504 loan performance · FY1991–present
Banks have made 21 SBA-backed loans to ActionCoach franchisees since 2018. Most are still open, so there is not yet a resolved cohort large enough to rate.
—
7 resolved · too thin to rate
—
avg. charged-off $ ÷ approved $
—
default rate × loss severity
$162,237
what recent franchisees borrowed
27 mo
approval → charge-off, defaulted loans
6 vs 4
distinct banks still lending
Charge-off rate by loan approval year (%)
Loan performance by state
SOURCE: SBA 7(a)/504 FOIA LOAN DATA (DATA.SBA.GOV), FY1991–PRESENT · MATCHED TO ACTIONCOACH BY FRANCHISE NAME · RESOLVED = CHARGED-OFF + PAID-IN-FULL
The owner's side of the deal
FDD × federal loan record
A typical ActionCoach buyer since 2020 borrowed $162K through SBA — about $24K a year in debt service. Against the brand's own disclosed median unit revenue of $200K, that is 11.9% of every dollar the store takes in — before rent, payroll, food, or royalty.
Who finances it
United Midwest Savings Bank National Association
45.0% of this brand's loans
That lender charges off 35.0% of its loans to other franchise brands, vs 14.8% nationally.
Who buys it
Too few identified operators
Does experience help here?
Not enough resolved loans to split
Computed from 21 SBA 7(a)/504 loans to ActionCoach franchisees joined to the brand's own FDD. Debt service assumes level amortization at the average disclosed term and rate. A lender's rate excludes its loans to this brand, so it reads the lender, not the brand.
What it costs — and what it drags
FDD Items 5–7 · fees, investment, royalty
Buying in means a $45K franchise fee (Item 5) and a total investment of $64K–$137K (Item 7). The franchisor publishes an earnings claim (Item 19) — read its methodology closely.
To open (Item 7)
$64K–$137K
all-in investment range
Franchise fee (Item 5)
$45K
upfront, one-time
Royalty (Item 6)
10%
of sales, ongoing
Your figure — cross-check against this brand's Item 19 and current-owner validation.
Royalty you'd pay / yr
$100K
10% of sales, before profit
Over a 10-yr term
$1M
royalties alone, excl. ad fund
This is not profit. It's the only money the FDD actually pins down — what you put in, and the royalty you owe on every dollar of sales. Your real take-home depends on labor, rent, food cost, and ramp-to-breakeven, none of which any FDD discloses.
Build a real pro-forma for ActionCoach with an independent CPAModeled risk
FDD Risk Score · modeled from the public record
The public record puts this brand toward the riskier end of the systems we score — but the evidence is thin, so treat it as a range, not a number.
Risk percentile (range)
85–100 / 100
Directional
Modeled SBA charge-off
28.2%
Observed SBA charge-off
42.9%
Top drivers: Share financed by high-loss lenders (raises) · System size (log units) (raises) · Investment ceiling (log) (raises) · Single-lender dependence (lowers). Thin loan history — treat this as a range, not a number. A linear scorecard built from this brand's own disclosure figures plus the federal loan record behind its franchisees; full spec and cross-validated accuracy on the methodology page. A score is context, not a verdict.
Distress signals
news-sourced · bankruptcies, closures, lawsuits
No recent closures, bankruptcies, or major lawsuits found in the news for ActionCoach. That's a good sign — but it reflects news coverage, not a guarantee.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing ActionCoach's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →ActionCoach franchise questions, answered from the filings
What percentage of ActionCoach franchises closed last year?
In ActionCoach's latest FDD Item 20 (fiscal 2025), 3 of 28 franchised outlets left the system — an annualized exit rate of 10.7%. That counts terminations, non-renewals, and "ceased operations — other reasons." There is no official failure rate, and not every exit is a failure, but this is the measurable floor.
How much does a ActionCoach franchise cost?
Per ActionCoach's 2026 FDD, buying in requires an initial franchise fee of $45K (Item 5) and a total initial investment of $64K–$137K (Item 7).
What royalty does ActionCoach charge?
ActionCoach charges an ongoing royalty of 10.0% of gross sales, per Item 6 of its 2026 FDD.
Does ActionCoach disclose earnings (Item 19)?
Yes — ActionCoach makes a financial performance representation in Item 19 of its 2026 FDD, reporting a median unit volume of $200K. Read it closely: franchisors choose which units and which metrics to include.