FRANCHISE·WATCH·DESK

Verified — real FDD extraction

SBA-eligible · directory code S2453 since 2017

Vital Care

Health & Wellness · independent · est. —

Vital Care is a home-infusion and specialty-pharmacy franchise that provides IV infusion therapies and related medications to patients, often coordinating with physicians and insurers. Franchisees operate an infusion pharmacy serving patients who need treatments at home or in clinics. The business is healthcare pharmacy services rather than retail.

Vital Care net unit count grew +69.2% from 20222024 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

0
STABLE

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

1.4%

vs 9.6% across 37 health & wellness systems

Cost to open

$556K–$1.0M

Item 7 total investment range

SBA loan defaults

0.0%

15 loans resolved — directional only

Behind the verdict

the record, factor by factor · Item 20

hi-1.0.0
Net unit growth35%

3-yr trend · Item 20 Table 1

Strong
Exit quality25%

terminations + ceased-ops vs. all exits · Table 3

Strong
Transfer / churn15%

transfers vs. base · Table 3

Weak
Promise-keeping10%

actual vs. projected openings · Table 5

Strong
Transparency15%

Item 19 disclosure + completeness

Strong

Systemwide units

2022–2024

+69.2%
6520227620231102024

Survival record

FDD Item 20 · outlet status by year

In fiscal 2024, 1 of 74 franchised outlets left the system — a 1.4% annualized exit rate, vs 9.6% across 37 health & wellness systems. Not every exit is a failure — but this is the measurable floor.

Show the outlet tables
Status (FTC)202220232024
Outlets at start536576
Opened171535
Transfers2018
Terminations100
Non-renewals001
Reacquired by franchisor210
Ceased — other reasons430
Outlets at end6576110
Net change+12+11+34

The lender's view

SBA 7(a)/504 loan performance · FY1991–present

Banks have made 68 SBA-backed loans to Vital Care franchisees since 1994. Only 15 have resolved so far — too thin for a reliable default rate, but 0 of them charged off.

Charge-off rate

15 resolved · too thin to rate

Loss given default

avg. charged-off $ ÷ approved $

Expected loss

default rate × loss severity

Avg. loan · FY2020+

$1,027,280

what recent franchisees borrowed

Median time to default

approval → charge-off, defaulted loans

Lenders · FY21+ vs FY16–20

12 vs 3

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 VITAL CARE BY FRANCHISE NAME · RESOLVED = CHARGED-OFF + PAID-IN-FULL

The owner's side of the deal

FDD × federal loan record

Who finances it

First Financial Bank

44.8% of this brand's loans

That lender charges off 12.8% of its loans to other franchise brands, vs 14.8% nationally.

Who buys it

59.4%

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 68 SBA 7(a)/504 loans to Vital Care 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 $60K franchise fee (Item 5) and a total investment of $556K–$1.0M (Item 7). The franchisor publishes an earnings claim (Item 19) — read its methodology closely.

To open (Item 7)

$556K–$1.0M

all-in investment range

Franchise fee (Item 5)

$60K

upfront, one-time

Royalty (Item 6)

19.25%

of sales, ongoing

If a unit does this in annual sales…$1M/yr

Your figure — cross-check against this brand's Item 19 and current-owner validation.

Royalty you'd pay / yr

$193K

19.25% of sales, before profit

Over a 10-yr term

$1.9M

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 Vital Care with an independent CPA

Labor record

US Dept. of Labor enforcement · franchisee-level · FY2005–present

Federal investigators have concluded 3 wage cases against operators of this system, recovering $58K in back wages for 29 workers. These cases name franchisee-owned locations, not the franchisor itself.

Concluded cases

3

Back wages owed

$58K

Employees affected

29

Since 2020

0

Read this carefully. The employers in these cases are individual Vital Care franchisees — separately owned businesses operating under the brand name — not Vital Care 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 2012.

Modeled risk

FDD Risk Score · modeled from the public record

Lower risk

Modeled from the public record, this brand looks safer than 94% of systems we score.

Risk percentile

6 / 100

Loan-corroborated

Modeled SBA charge-off

6.2%

Observed SBA charge-off

0.0%

Top drivers: Net unit growth (lowers) · Share financed by high-loss lenders (lowers) · Single-lender dependence (lowers) · Royalty rate (lowers). 15+ resolved loans stand behind this estimate. 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 Vital Care. That's a good sign — but it reflects news coverage, not a guarantee.

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Vital Care franchise questions, answered from the filings

What percentage of Vital Care franchises closed last year?

In Vital Care's latest FDD Item 20 (fiscal 2024), 1 of 74 franchised outlets left the system — an annualized exit rate of 1.4% — compared with 9.6% across 37 health & wellness systems tracked here. 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 Vital Care franchise cost?

Per Vital Care's 2025 FDD, buying in requires an initial franchise fee of $60K (Item 5) and a total initial investment of $556K–$1.0M (Item 7).

What royalty does Vital Care charge?

Vital Care charges an ongoing royalty of 19.3% of gross sales, per Item 6 of its 2025 FDD.

Does Vital Care disclose earnings (Item 19)?

Yes — Vital Care makes a financial performance representation in Item 19 of its 2025 FDD. Read it closely: franchisors choose which units and which metrics to include.

Is Vital Care a good franchise to buy? Health score, exit rate & costs (2026) · Franchise Watch Desk