Verified — real FDD extraction
SBA-eligible · directory code S0121 since 2017
ANY LAB TEST NOW
Other · independent · est. —
Any Lab Test Now is a direct-access lab testing retailer offering blood work, drug and alcohol testing, DNA tests, and wellness panels without a doctor's visit. A franchisee operates a storefront collection site where staff draw samples for consumers and employers and send them to partner labs for results.
ANY LAB TEST NOW net unit count grew +11.4% from 2023–2025 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
Proven & strong
Distress
Enough units and history to judge, and the record is good: growing or stable units with clean exits by the standards of its disclosed record. The standout in the record: the system is growing.
Exit rate · latest year
3.4%
fiscal 2025, per Item 20
Cost to open
$183K–$318K
Item 7 total investment range
SBA loan defaults
0.0%
10 loans resolved — directional only
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, 8 of 237 franchised outlets left the system — a 3.4% annualized exit rate. Not every exit is a failure — but this is the measurable floor.
Show the outlet tables ↓Hide the evidence ↑
| Status (FTC) | 2023 | 2024 | 2025 |
|---|---|---|---|
| Outlets at start | 214 | 228 | 244 |
| Opened | 16 | 20 | 18 |
| Transfers | 13 | 12 | 15 |
| Terminations | 0 | 1 | 0 |
| Non-renewals | 0 | 2 | 0 |
| Reacquired by franchisor | 0 | 0 | 0 |
| Ceased — other reasons | 2 | 1 | 8 |
| Outlets at end | 228 | 244 | 254 |
| Net change | +14 | +16 | +10 |
The lender's view
SBA 7(a)/504 loan performance · FY1991–present
Banks have made 34 SBA-backed loans to ANY LAB TEST NOW franchisees since 2014. Only 10 have resolved so far — too thin for a reliable default rate, but 0 of them charged off.
—
10 resolved · too thin to rate
—
avg. charged-off $ ÷ approved $
—
default rate × loss severity
$328,850
what recent franchisees borrowed
—
approval → charge-off, defaulted loans
11 vs 5
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 ANY LAB TEST NOW BY FRANCHISE NAME · RESOLVED = CHARGED-OFF + PAID-IN-FULL
The owner's side of the deal
FDD × federal loan record
Who finances it
the Huntington National Bank
32.4% of this brand's loans
That lender charges off 10.1% of its loans to other franchise brands, vs 14.8% nationally.
Who buys it
64.7%
first-time franchise owners
The rest already owned at least one other franchise. Across the corpus, brands bought mostly by repeat operators charge off at roughly 10% versus 17% for brands sold mostly to newcomers.
Does experience help here?
Not enough resolved loans to split
Computed from 34 SBA 7(a)/504 loans to ANY LAB TEST NOW 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 $55K franchise fee (Item 5) and a total investment of $183K–$318K (Item 7). The franchisor publishes an earnings claim (Item 19) — read its methodology closely.
To open (Item 7)
$183K–$318K
all-in investment range
Franchise fee (Item 5)
$55K
upfront, one-time
Royalty (Item 6)
7%
of sales, ongoing
Your figure — cross-check against this brand's Item 19 and current-owner validation.
Royalty you'd pay / yr
$70K
7% of sales, before profit
Over a 10-yr term
$700K
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 ANY LAB TEST NOW with an independent CPALabor record
US Dept. of Labor enforcement · franchisee-level · FY2005–present
Federal investigators have concluded 4 wage cases against operators of this system, recovering $8K in back wages for 13 workers. These cases name franchisee-owned locations, not the franchisor itself.
Concluded cases
4
Back wages owed
$8K
Employees affected
13
Since 2020
0
Read this carefully. The employers in these cases are individual ANY LAB TEST NOW franchisees — separately owned businesses operating under the brand name — not ANY LAB TEST NOW itself. The franchisor is not the respondent and in most cases is not a party. What the record shows is how this system's operators run their payrolls, which is worth knowing before you become one of them. Counts rise with system size and with age: a 20-year-old, 10,000-unit system will out-count a young one regardless of conduct. Source: DOL Wage and Hour Division concluded compliance actions, FY2005–present, most recent finding 2021.
Modeled risk
FDD Risk Score · modeled from the public record
The public record puts this brand toward the middle of the systems we score — but the evidence is thin, so treat it as a range, not a number.
Risk percentile (range)
24–48 / 100
Directional
Modeled SBA charge-off
10.9%
Observed SBA charge-off
0.0%
Top drivers: Share financed by high-loss lenders (lowers) · Investment ceiling (log) (raises) · System size (log units) (lowers) · Item 20 exit rate (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 ANY LAB TEST NOW. 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 ANY LAB TEST NOW's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →ANY LAB TEST NOW franchise questions, answered from the filings
What percentage of ANY LAB TEST NOW franchises closed last year?
In ANY LAB TEST NOW's latest FDD Item 20 (fiscal 2025), 8 of 237 franchised outlets left the system — an annualized exit rate of 3.4%. 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 ANY LAB TEST NOW franchise cost?
Per ANY LAB TEST NOW's 2026 FDD, buying in requires an initial franchise fee of $55K (Item 5) and a total initial investment of $183K–$318K (Item 7).
What royalty does ANY LAB TEST NOW charge?
ANY LAB TEST NOW charges an ongoing royalty of 7.0% of gross sales, per Item 6 of its 2026 FDD.
Does ANY LAB TEST NOW disclose earnings (Item 19)?
Yes — ANY LAB TEST NOW makes a financial performance representation in Item 19 of its 2026 FDD. Read it closely: franchisors choose which units and which metrics to include.