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Restore Hyper Wellness Franchise Loan: The Complete Financing Guide for Restore Hyper Wellness Franchise Owners
The wellness industry is experiencing one of the most significant growth periods in modern business history. Americans are investing more than ever in their health, recovery, and performance - and Restore Hyper Wellness has emerged as a leading franchise at the center of this movement. From cryotherapy and IV drip therapy to infrared saunas and hyperbaric oxygen therapy, Restore locations offer a comprehensive suite of science-backed wellness services that attract loyal, repeat customers.
If you are exploring a Restore Hyper Wellness franchise opportunity, you already understand the potential. But before you can open your doors, you need to answer one critical question: how do you finance a Restore Hyper Wellness franchise? The total investment can range from $474,000 to over $1.2 million depending on location, buildout, and equipment. That is a significant capital commitment - and navigating the financing landscape can feel overwhelming without the right guide.
This comprehensive resource breaks down everything you need to know about securing a Restore Hyper Wellness franchise loan. You will learn what the real costs are, which loan types work best for wellness franchise owners, how to qualify, and how Crestmont Capital can help you move from application to approval faster than traditional banks. Whether you are a first-time franchisee or an experienced operator looking to expand, this guide gives you the financial roadmap you need.
In This Article
- What Is Restore Hyper Wellness?
- Total Investment and Franchise Costs
- Financing Options for Restore Franchise Owners
- SBA Loans for Wellness Franchises
- Equipment Financing for Wellness Technology
- What Lenders Look For
- How Crestmont Capital Helps
- Comparing Financing Strategies
- Next Steps to Get Funded
- Frequently Asked Questions
What Is Restore Hyper Wellness?
Founded in 2015 in Austin, Texas, Restore Hyper Wellness has grown to become one of the fastest-expanding wellness franchise brands in the United States. The company operates over 230 locations across more than 40 states, offering a wide range of evidence-informed services designed to help customers feel better, recover faster, and optimize their health.
Restore's service menu typically includes cryotherapy, infrared sauna sessions, compression therapy, IV drip therapy, hyperbaric oxygen therapy, red light therapy, and various health screenings. This multi-service model creates diverse revenue streams and positions Restore locations as destination wellness centers rather than single-service clinics.
The franchise has attracted significant private equity backing and was named one of the fastest-growing franchises by Entrepreneur Magazine. According to the International Franchise Association, wellness and personal care is among the most resilient franchise sectors, with consistent growth even during economic downturns. That durability makes Restore an attractive investment for entrepreneurs who want exposure to the booming wellness economy.
For context, the global wellness market was valued at over $5.6 trillion according to industry research, and the U.S. wellness services segment continues to outpace broader economic growth. Restore sits at the intersection of several high-demand trends: preventive healthcare, athlete recovery, stress management, and longevity optimization. That is a powerful market position for a franchise owner.
Key Insight
Restore Hyper Wellness franchise locations typically generate revenue from multiple service categories, which creates stronger cash flow stability compared to single-service wellness concepts. Diversified revenue is a feature lenders view favorably when evaluating fitness business financing applications.
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Apply Now - Free Pre-QualificationTotal Investment and Restore Hyper Wellness Franchise Cost
Understanding the full scope of your investment is the essential first step before approaching any lender. Restore Hyper Wellness franchise costs cover a wide range of startup expenses, and the total varies significantly based on real estate market, location type, and build-out complexity.
According to the brand's Franchise Disclosure Document (FDD), the estimated initial investment for a Restore Hyper Wellness location typically falls between approximately $474,000 and $1.24 million. Here is a breakdown of the major cost categories:
Restore Hyper Wellness Franchise Investment Breakdown
| Cost Category | Low Estimate | High Estimate |
|---|---|---|
| Initial Franchise Fee | $40,000 | $40,000 |
| Real Estate and Leasehold Improvements | $120,000 | $450,000 |
| Wellness Equipment | $130,000 | $350,000 |
| Technology and Software | $15,000 | $40,000 |
| Signage and Branding | $12,000 | $30,000 |
| Initial Inventory and Supplies | $15,000 | $35,000 |
| Working Capital (3-6 months) | $80,000 | $150,000 |
| Training and Pre-Opening Expenses | $25,000 | $60,000 |
| TOTAL ESTIMATED INVESTMENT | $474,000 | $1,240,000 |
Note: Estimates based on publicly available FDD data and industry ranges. Actual costs vary by market, location, and negotiated terms. Always consult your FDD and a franchise attorney before investing.
One of the most important cost categories to plan carefully is wellness equipment. Cryotherapy chambers, hyperbaric oxygen chambers, infrared saunas, and IV therapy stations represent significant capital - and they are also among the most financeable assets. Equipment financing can be separated from your primary business loan, which often results in better terms on both.
The franchise fee itself ($40,000) is a fixed cost that is typically paid directly to Restore at signing. This fee covers your license to operate under the Restore brand, access to proprietary training and systems, and ongoing corporate support. Lenders typically treat this as part of the total project cost when structuring your financing package.
Financing Options for Restore Hyper Wellness Franchise Owners
Most Restore Hyper Wellness franchisees do not fund their entire investment from personal savings. In fact, the majority of successful franchise owners use a combination of financing options to cover their startup costs while preserving enough working capital to operate through the early months. Here are the primary financing strategies available to you as a Restore franchise owner.
SBA 7(a) Loans
The SBA 7(a) loan is the most popular financing vehicle for franchise businesses in the United States. These government-backed loans offer longer repayment terms (up to 10 years for working capital, up to 25 years for real estate) and lower down payments than conventional commercial loans. For a Restore Hyper Wellness franchise, an SBA 7(a) loan can cover up to $5 million in total financing - more than enough to handle most scenarios.
Because Restore Hyper Wellness is an established, SBA-recognized franchise, the loan process may be streamlined compared to independent startups. The U.S. Small Business Administration maintains a Franchise Registry that pre-vets many franchise brands, which can simplify the documentation requirements for your lender. Explore SBA loans to see how this program fits your situation.
SBA 504 Loans
If you are purchasing real estate for your Restore location rather than leasing, the SBA 504 loan is designed specifically for major fixed-asset acquisitions. This program combines a bank loan with a Certified Development Company (CDC) loan, resulting in a lower down payment requirement (typically 10%) and a fixed rate on the CDC portion. The 504 is less common for typical Restore buildouts but becomes relevant if you are buying commercial property.
Equipment Financing
Wellness equipment - cryo chambers, hyperbaric units, infrared saunas - can be financed separately from your business acquisition loan. Dedicated equipment financing uses the equipment itself as collateral, which often means faster approval and more competitive rates. Equipment loans can cover 80-100% of equipment value and typically offer terms of 3-7 years aligned with equipment useful life. This is a smart strategy for Restore franchisees because it keeps your primary loan smaller and preserves borrowing capacity for working capital needs.
Conventional Business Loans
Conventional bank or credit union loans do not carry government guarantees, which means they typically require stronger personal credit, larger down payments, and shorter repayment terms. However, they can close faster than SBA loans and may work well if you have strong existing banking relationships or substantial collateral.
ROBS (Rollover for Business Startups)
If you have a 401(k) or other qualified retirement account, a ROBS arrangement allows you to invest those funds into your franchise business without triggering early withdrawal penalties or income taxes. When structured correctly by a qualified ROBS administrator, this approach can fund a meaningful portion of your Restore investment using tax-deferred dollars. ROBS is not a loan - there is no debt service - but it does come with ongoing compliance requirements.
Franchisor Financing Assistance
Restore Hyper Wellness has partnered with preferred lenders as part of their franchisee support programs. While these partnerships can streamline the process, it is important to compare franchisor-preferred lenders against independent options like Crestmont Capital. Your goal is the best rate and terms for your situation, not the most convenient application portal.
SBA Loans: The Gold Standard for Wellness Franchise Financing
For most Restore Hyper Wellness franchise owners, an SBA 7(a) loan will be the backbone of their financing package. Understanding how these loans work - and how to position yourself as a strong applicant - is critical to getting approved.
The SBA does not directly lend money. Instead, it guarantees a portion of the loan (typically 75-85%) made by an approved lender. This guarantee reduces the lender's risk, which is what enables more favorable terms for borrowers. For a wellness franchise like Restore, the SBA loan structure works especially well because:
- Longer repayment terms (up to 10 years) keep monthly payments manageable during the ramp-up phase
- Lower equity injection requirements (as low as 10-15% in some cases) preserve your working capital
- Competitive interest rates (currently Prime + 2.75% to 4.75% depending on loan size)
- Ability to finance multiple cost categories (equipment, working capital, leasehold improvements) in one loan
The typical SBA loan process for a franchise runs 60-90 days from application to funding through traditional banks. Working with a lender like Crestmont Capital that specializes in franchise financing can significantly compress that timeline. Our relationships with SBA-preferred lenders and experience with wellness franchise applications means we know exactly what underwriters need to see.
Pro Tip: SBA Franchise Registry
Check whether Restore Hyper Wellness is listed on the SBA Franchise Registry before beginning your loan application. Franchises on the registry have pre-approved franchise agreements, which eliminates a major documentation requirement and can shave weeks off your approval timeline. Ask your lender to confirm registry status early in the process.
To qualify for an SBA loan for your Restore franchise, lenders will typically evaluate:
- Personal credit score: Most SBA lenders want to see 680+ (700+ preferred for startup franchises)
- Down payment / equity injection: Typically 10-30% of total project cost
- Relevant experience: Management experience in wellness, fitness, healthcare, or multi-unit operations is valued
- Business plan and financial projections: 3-5 year projections with market analysis
- Collateral: Equipment, real estate, personal assets may be pledged
- Personal financial statements: Net worth assessment for all owners with 20%+ ownership
Compare this to how established wellness franchise borrowers like those in Club Pilates franchise financing or StretchLab franchise loan programs approach lender qualification - similar criteria apply across fitness and wellness franchise categories.
Equipment Financing for Restore Wellness Technology
Restore Hyper Wellness locations require a substantial investment in specialized wellness equipment. Cryotherapy chambers alone can cost $40,000 to $90,000 per unit. Hyperbaric oxygen chambers range from $30,000 to $200,000 depending on configuration. Infrared saunas, compression therapy systems, and red light therapy units add to the total. For a fully equipped Restore location, equipment costs often represent 25-35% of total startup investment.
This is where dedicated equipment financing becomes a strategic advantage. Rather than rolling all equipment costs into your SBA loan, separating equipment financing:
- Reduces the size of your primary SBA loan (lowering required equity injection)
- Uses the equipment itself as collateral (no additional personal assets pledged)
- Allows faster equipment approval (often 24-72 hours for established borrowers)
- Provides tax advantages through Section 179 depreciation in the year of purchase
- Creates a structured payment schedule aligned with equipment revenue generation
Crestmont Capital's equipment financing programs are specifically designed for the wellness and fitness sector. We understand the residual value of cryotherapy equipment, hyperbaric chambers, and other Restore-specific assets - which means better loan-to-value ratios and more competitive rates than generic equipment lenders who are unfamiliar with wellness technology.
Equipment financing terms for Restore-type wellness equipment typically range from 36 to 84 months. Monthly payments on $200,000 in equipment at 6.5% over 60 months would be approximately $3,900 - a manageable figure that can be covered within the first few weeks of member revenue at an established location.
What Lenders Look For: Qualifying for a Restore Franchise Loan
Understanding what makes a strong Restore Hyper Wellness franchise loan application puts you ahead of the majority of applicants. Lenders are fundamentally evaluating one question: what is the probability this borrower will repay this loan in full and on time? Everything in the underwriting process flows from that central question.
The Five C's of Credit Applied to Franchise Lending
Character - Your personal credit history, background, and reputation as a business operator. Lenders review personal credit reports, public records, and any prior business history. A credit score above 700 with no recent negative marks significantly improves your position.
Capacity - Your ability to generate enough cash flow to service the debt. For a startup franchise, this is evaluated through your business plan projections, comparable Restore location performance data (available in the FDD), and your personal liquidity.
Capital - The equity you bring to the transaction. Most lenders require 10-30% equity injection for franchise startups. This demonstrates your personal commitment and reduces the lender's exposure.
Collateral - Assets pledged to secure the loan. Equipment, real estate, and sometimes personal assets (home equity) serve as collateral. The stronger your collateral position, the better your terms.
Conditions - External factors including industry trends, local market conditions, and economic environment. The wellness industry's strong growth trajectory is a positive condition that lenders note in their underwriting.
Important: Document Your Industry Experience
If you have a background in healthcare, fitness, wellness, or multi-unit retail management, make sure your loan application materials explicitly highlight this experience. Lenders view relevant industry experience as a significant risk-reduction factor for startup franchise loans. Even adjacent experience - HR management, customer service operations, medical administration - can strengthen your application.
Financial Benchmarks for Restore Franchise Loan Approval
- Minimum credit score: 650 (660+ for better terms; 700+ for SBA preferred lenders)
- Minimum net worth: Typically equal to or greater than the loan amount requested
- Liquid capital required: Generally 10-20% of total investment as cash/liquid assets
- Debt service coverage ratio (DSCR): Projected DSCR of 1.25x or better at year 2-3
- Business plan: Detailed 3-5 year financial model with market analysis and competitive landscape
The U.S. Census Bureau's Annual Business Survey data consistently shows that franchise businesses have lower failure rates than independent startups, which lenders recognize. Being affiliated with an established brand like Restore provides a built-in credibility advantage in the underwriting process.
How Crestmont Capital Helps Restore Franchise Owners Get Funded
Crestmont Capital is a nationwide small business financing provider that specializes in helping franchise owners access capital quickly and efficiently. We are not a traditional bank with rigid underwriting timelines. We are a lending solutions provider that works across a network of SBA lenders, equipment finance companies, and alternative capital sources - giving you access to multiple options through a single application.
Here is what sets the Crestmont Capital approach apart for Restore Hyper Wellness franchise financing:
Deep Wellness Industry Knowledge
Our team has financed wellness franchise locations across the country, including fitness studios, recovery centers, and membership-based wellness businesses. We understand the Restore Hyper Wellness business model, including the membership revenue structure, multi-service revenue mix, and the equipment cost profile of a typical location. That knowledge means we structure loans that fit the actual business - not generic packages that may not align with your cash flow reality.
Network of Lenders Competing for Your Business
When you apply through Crestmont Capital, your application goes to multiple lenders simultaneously. This competition drives better rates and terms than you would get by approaching a single bank. Our network includes SBA preferred lenders, regional banks with franchise specialization, equipment finance companies, and alternative capital providers.
Faster Timelines
Traditional SBA loans through conventional banks can take 90-120 days from application to funding. Crestmont Capital's streamlined process compresses this to 30-60 days for most franchise applicants. For equipment financing, we often deliver approvals within 24-72 hours.
Comprehensive Financing Packages
We help structure the full financing picture - not just one piece of it. If your optimal strategy combines an SBA 7(a) loan for the business acquisition with separate equipment financing for your cryo chambers and hyperbaric units, we can coordinate both simultaneously. You work with one team, not multiple lenders with competing agendas.
Get Your Restore Franchise Financing Structured Right
Our wellness franchise lending specialists will review your situation and recommend the optimal financing structure for your Restore location.
Speak With a Specialist TodayComparing Financing Strategies: What Works Best for Your Restore Build
Not every Restore Hyper Wellness franchise has the same financing needs. The right strategy depends on your personal financial profile, the size of your investment, your timeline, and your risk tolerance. Here is how to think through the major scenarios.
Scenario 1: First-Time Franchisee, $600K Total Investment
Profile: Strong W-2 income, 720 credit score, $120K liquid capital, no prior business ownership. Recommended approach: SBA 7(a) loan for $480K (80% of project cost) combined with $80K personal equity injection and $40K equipment financing for specialized equipment. This structure minimizes the equity injection required while keeping SBA loan size within preferred ranges. Monthly payment on $480K at 7.5% over 10 years is approximately $5,700.
Scenario 2: Experienced Multi-Unit Operator, $900K Investment
Profile: Owns two other franchise locations (different brand), 760 credit score, $200K liquid, existing business cash flow. Recommended approach: Conventional business loan from existing bank for $500K plus dedicated equipment financing for $200K. Equity injection of $200K. The conventional loan avoids SBA fees and closes faster. The equipment financing is secured separately against Restore-specific assets.
Scenario 3: Wellness Industry Professional, $475K Minimum Investment
Profile: 15 years in physical therapy or chiropractic, 695 credit score, $80K liquid, relevant clinical expertise. Recommended approach: SBA 7(a) loan for $400K, $75K personal equity. Leverage industry experience heavily in business plan. Lenders will view the clinical background as directly relevant to managing a Restore location. This borrower may qualify despite a lower credit score due to the experience offset.
Key Comparison: SBA vs. Conventional vs. Equipment Financing
| Factor | SBA 7(a) | Conventional | Equipment Finance |
|---|---|---|---|
| Typical Rate | Prime + 2.75-4.75% | 6.5-10% | 5.5-9% |
| Term | Up to 10 years | 3-7 years | 3-7 years |
| Down Payment | 10-20% | 20-30% | 0-20% |
| Approval Time | 30-90 days | 30-60 days | 1-5 days |
| Best For | Full project cost | Strong balance sheet borrowers | Equipment only |
Next Steps: How to Get Your Restore Hyper Wellness Franchise Funded
Your Financing Roadmap
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Get Pre-Qualified NowFrequently Asked Questions About Restore Hyper Wellness Franchise Loans
How much does a Restore Hyper Wellness franchise cost in total?
The total estimated investment for a Restore Hyper Wellness franchise typically ranges from approximately $474,000 to $1.24 million. This includes the $40,000 franchise fee, real estate and build-out costs, wellness equipment, technology, initial inventory, and working capital reserves. The wide range reflects differences in real estate markets, location size, and equipment configurations.
What credit score do I need to finance a Restore Hyper Wellness franchise?
Most SBA lenders and conventional lenders want to see a personal credit score of at least 650-680 for franchise startup financing. A score of 700 or higher will give you access to SBA preferred lenders and more competitive rates. Credit score is one factor among many - strong industry experience, adequate capital, and a solid business plan can help offset a lower score in some cases.
Can I use an SBA loan to finance my Restore franchise?
Yes. SBA 7(a) loans are one of the most popular financing options for Restore Hyper Wellness franchise owners. The SBA's Franchise Registry may include Restore, which can simplify the documentation process. SBA loans offer terms up to 10 years, down payments as low as 10-20%, and government-backed guarantees that result in competitive interest rates. Crestmont Capital works with multiple SBA preferred lenders to find the best fit for your application.
How much do I need as a down payment for a Restore franchise loan?
Down payment requirements vary by loan type. SBA 7(a) loans typically require 10-20% equity injection for franchise startups. Conventional loans generally require 20-30%. Equipment financing can often be done with little to no down payment since the equipment serves as collateral. For a $600K Restore investment, you might expect to need $60,000 to $120,000 in liquid capital as your personal equity contribution, plus additional working capital reserves.
Can I finance the wellness equipment separately from the business loan?
Absolutely, and it is often a smart strategy. Equipment financing uses the cryotherapy chambers, hyperbaric units, infrared saunas, and other Restore-specific equipment as collateral. This reduces the size of your primary business loan, often results in faster approval (sometimes within 24-72 hours), and keeps your working capital loan larger. Equipment financing terms typically run 36-84 months with competitive rates.
How long does it take to get approved for a Restore franchise loan?
Timeline varies significantly by loan type and lender. Equipment financing can close in as little as 1-5 days. SBA loans through traditional banks typically take 60-90 days from application to funding. Working with Crestmont Capital through our network of SBA preferred lenders, we typically target 30-60 days for franchise loan approvals. Starting the financing process before you finalize your site selection gives you the most flexibility.
Does Restore Hyper Wellness offer in-house financing?
Restore Hyper Wellness may have relationships with preferred lending partners as part of their franchisee development program. These partners can streamline the process since they are already familiar with the FDD and franchise agreement. However, it is always advisable to compare any franchisor-referred lender against independent options like Crestmont Capital to ensure you are getting the most competitive terms for your specific financial situation.
What documents will I need for a Restore franchise loan application?
A typical franchise loan application requires: personal and business tax returns (2-3 years), personal financial statement, personal and business credit reports, Restore Hyper Wellness FDD, signed franchise agreement (or letter of intent), business plan with financial projections, lease agreement or letter of intent, resumes/background on all owners, and bank statements (3-6 months). Crestmont Capital provides a comprehensive document checklist to help you gather everything efficiently.
Can I use a ROBS to fund part of my Restore franchise investment?
Yes. A Rollover for Business Startups (ROBS) arrangement allows you to use qualified retirement funds (401k, IRA) to invest in your franchise without triggering early withdrawal penalties or income taxes. When properly structured by a ROBS administrator, this approach can fund 20-100% of your startup costs. Many Restore franchisees combine ROBS with an SBA loan to minimize the required bank financing while avoiding large early withdrawal tax bills.
Is a Restore Hyper Wellness franchise a good investment?
From a business fundamentals perspective, Restore Hyper Wellness benefits from multiple favorable trends: growing consumer wellness spending, recurring membership revenue models, diverse service offerings, and established brand recognition. However, like any franchise investment, success depends significantly on site selection, local market conditions, operational management, and the individual owner's execution. Reviewing the FDD Item 19 financial performance representations and speaking with existing franchisees is essential before making any investment decision.
What is the ongoing royalty fee for Restore Hyper Wellness?
Restore Hyper Wellness charges ongoing royalty fees as a percentage of gross revenues, as detailed in their Franchise Disclosure Document. These ongoing fees should be factored into your financial projections when calculating cash flow available for debt service. Your lender will want to see that your projected revenue, net of royalties and other operating costs, provides adequate coverage for your loan payments. Always confirm current fee structures directly from the most recent FDD.
How does the wellness industry outlook affect my loan approval chances?
Favorably. The wellness industry's strong growth trajectory and recession-resilient characteristics are recognized by many lenders who specialize in franchise and small business financing. According to the International Franchise Association, wellness and personal care services have demonstrated consistent demand across economic cycles. A well-prepared loan application that highlights Restore's brand strength, the local market opportunity, and your relevant experience will benefit from this positive industry context.
Can I get financing if I have no prior franchise ownership experience?
Yes. Many first-time franchise owners successfully obtain financing for Restore locations. Lenders will look more closely at your relevant transferable experience - management in healthcare, fitness, retail, or hospitality - your personal financial strength, and the quality of your business plan. Participating in Restore's training programs and demonstrating thorough knowledge of the business model before your loan interview also strengthens first-time applicant profiles significantly.
What is the difference between SBA 7(a) and SBA 504 for franchise financing?
The SBA 7(a) is the most flexible option and can finance working capital, equipment, leasehold improvements, and franchise fees in a single loan. The SBA 504 is specifically designed for major fixed-asset purchases like real estate and heavy equipment, and requires a Certified Development Company (CDC) as a co-lender. For most Restore franchise startups that lease their space, the SBA 7(a) is the more practical choice. If you are purchasing your building, a 504 may offer better rates on the real estate portion.
How does Crestmont Capital differ from going directly to a bank for my Restore franchise loan?
When you apply directly to a single bank, you get one set of terms - take it or leave it. Crestmont Capital presents your application to multiple lenders simultaneously, creating competition that results in better rates and terms. We also provide specialized guidance on structuring your total financing package (primary loan plus equipment financing) to optimize your equity injection and monthly cash flow. Our franchise lending specialists know what lenders want to see and help you present your application in the strongest possible light.
Disclaimer: The information provided in this article is for general educational purposes only and does not constitute financial, legal, or investment advice. Franchise costs, loan terms, and qualification requirements vary and are subject to change. Consult with a licensed financial advisor, attorney, and/or franchise consultant before making any investment or financing decisions. Crestmont Capital is not affiliated with Restore Hyper Wellness or any of its parent companies.
