How to Finance a 4Ever Young Franchise: Anti-Aging Clinics
A 4Ever Young franchise loan funds an anti-aging and wellness center that combines medical services such as hormone therapy, medical weight loss and IV vitamin infusions with aesthetic treatments like injectables, skin care and laser services. That mix creates a larger and more complex project than many healthcare franchises: a clinical build-out, treatment equipment, inventory, licensed providers and a management structure that separates the business owner from the medical practice.
This article walks through what the franchisor’s 2025 Franchise Disclosure Document (FDD) and its franchise website say about costs, fees and requirements, how the management services structure affects underwriting, what the brand’s SBA Franchise Directory notes mean, and how buyers typically finance a single center, a multi-unit development or an existing location.
US Medical Funding is not affiliated with, sponsored by or endorsed by 4Ever Young; the name is used only to describe the business. Figures from the franchisor’s disclosure document can change, loan programs vary, and every loan is subject to approval. Nothing here is legal, tax, billing or compliance advice; review the current FDD and franchise agreement with a qualified franchise attorney, a healthcare attorney and an accountant.
4Ever Young Franchise Loan at a Glance
- Initial franchise fee: $60,000, with $5,000 off the first franchise for veterans, according to the 2025 FDD.
- Estimated initial investment: $386,750 to $747,400 for a single center, per the 2025 FDD.
- Royalty: the greater of 7% of Gross Revenue or a monthly minimum of $2,500 for the first 6 months and $5,000 after that.
- Brand Fund: 2% of Gross Revenue, which the franchisor may raise to up to 3%.
- Technology fee: currently $179 per month, with a potential maximum of $1,000 per month.
- Minimum liquid capital: $400,000, according to the franchisor’s franchise website.
- Minimum net worth: $1,000,000.
- Premises: 1,500 to 2,000 square feet assumed in the 2025 FDD’s build-out estimate.
- System size: the franchisor’s website cites 115+ locations open or in development.
- Ownership structure: the franchisee operates as a management services organization; licensed professionals provide medical services.
- SBA Franchise Directory: listed (code S4147), with notes on management agreements and lease assignments.
What Is 4Ever Young?
4Ever Young says its first center opened in Boca Raton, Florida, in 2015, and the brand began franchising in 2019. According to the 2025 FDD, the current franchisor is 4Ever Franchisor LLC, a Delaware limited liability company headquartered in Boca Raton, which began offering franchises in October 2023 after succeeding an earlier franchising entity. The FDD notes that three affiliate-owned centers were operating in Florida as of its issue date.
The concept blends wellness and aesthetics under one roof. The franchisor lists services such as bioidentical hormone therapy, testosterone replacement, menopause and andropause care, medical weight loss, IV vitamin infusions and vitamin injections, sexual health, hair loss treatment, neuromodulator injections, dermal fillers, chemical peels, microneedling, laser and light-based treatments, and skin care, along with telemedicine and membership programs.
Why lenders view it the way they do. Lenders see a recognizable, fast-growing system with recurring service lines such as hormone therapy and memberships. They also see a capital-intensive build-out, a significant equipment budget, ongoing royalty minimums and a regulated medical component that depends on outside licensed providers. Both sides of that picture shape the loan request.
The Management Services Structure
This is the single most important concept for financing a 4Ever Young center. According to the 2025 FDD, the franchisee is expected to be a non-professional, non-licensed management services organization. Medical and other regulated services are provided by a licensed third-party professional entity or provider under a Management Services Agreement. The franchisee may not provide medical services or direct the professional entity’s medical care, and requirements vary by state; some states require physician ownership or supervision of the professional entity.
For a lender, that means two entities and one key contract. The franchisee (the borrower) owns the lease, equipment and brand rights and earns fees under the Management Services Agreement, while the professional entity employs or contracts the clinicians and handles medical decisions. The lender will want to read that agreement, understand how revenue flows to the borrower and confirm who holds the licenses. Our article on hormone therapy clinic financing covers related underwriting issues.
4Ever Young Franchise Costs
According to the 2025 FDD, the estimated initial investment for a single center is $386,750 to $747,400. The line items are:
- Initial franchise fee: $60,000
- Travel and living expenses while training: $500 to $2,500
- Furniture, fixtures and equipment (not used in medical or aesthetic services): $16,900 to $23,000
- Security deposit: $4,000 to $16,400
- Leasehold improvements: $118,000 to $277,000
- Inventory and supplies: $15,000 to $35,000
- Computer and POS system, including AV and IT: $15,000 to $35,000
- Licenses and permits: $500 to $4,000
- Insurance premiums (pre-opening and first 3 months): $2,000 to $6,000
- Architectural, engineering and project management: $9,600 to $41,000
- Operational equipment for medical and aesthetic services: $40,000 to $55,000
- Signage and graphics: $12,000 to $22,500
- Initial marketing and training spend: $25,000
- Accountant and attorneys’ fees: $18,250 to $25,000
- Additional funds (3 months): $50,000 to $120,000
- Total: $386,750 to $747,400
Build-out. Leasehold improvements are the largest line, from $118,000 to $277,000 for a premises of 1,500 to 2,000 square feet. Add architectural and project management fees and signage, and the physical space accounts for a large share of the budget. Landlord improvement allowances can make a real difference. Our guide to med spa build-out costs explains what drives these numbers.
Equipment. The FDD budgets $40,000 to $55,000 for operational equipment used in medical and aesthetic services, plus furniture, fixtures and technology. The FDD also notes that its estimate excludes optional body contouring and aesthetic laser equipment, which can be significant purchases if you choose to add them.
What is not included. The estimate excludes the cost of buying real estate. The FDD also notes that the security deposit range is primarily based on 2024 market conditions, so check current local rents.
Working capital. The FDD’s additional funds estimate covers 3 months. Given the royalty minimums described below and provider payroll, many owners plan for a longer runway.
Ongoing Fees and How They Affect Your Loan
Royalty. The 2025 FDD sets the royalty at the greater of 7% of Gross Revenue or a monthly minimum of $2,500 for the first 6 months, then $5,000 per month. Those minimums apply whether or not the center has reached that revenue level.
Brand Fund. 2% of Gross Revenue, with the franchisor able to raise it to up to 3% on 30 days’ notice.
Technology fee. Currently $179 per month, with a potential maximum of $1,000 per month.
Transfer and renewal. The transfer fee is $20,000, and the renewal fee is $10,000.
How lenders factor these costs in. A $5,000 monthly royalty minimum after the first 6 months is a fixed cost lenders will build into the debt service analysis. Combined with rent, provider compensation, product costs and marketing, it sets a meaningful break-even point. Strong projections show realistic client growth, membership and treatment mix, product margins and the month when revenue comfortably covers fixed obligations and the loan payment.
Franchisor Requirements for New Owners
The franchisor’s franchise website lists the following:
- Minimum liquid capital: $400,000.
- Minimum net worth: $1,000,000.
- Industry experience: not required, according to the franchisor.
- Training: pre-opening training covering build-out, hiring, vendor relationships, customer outreach and operating procedures.
The approval process. Expect to review the FDD, complete the franchisor’s application, speak with existing owners, choose a market and sign the franchise agreement. Because the professional entity and Management Services Agreement are central to operations, involve a healthcare attorney before you commit.
Healthcare Licensing and Compliance
Hormone therapy, weight-loss medications, IV infusions and injectables are regulated medical services. States set rules on who may own a medical practice, who may perform each treatment, and how physicians must supervise nurse practitioners, physician assistants and nurses. According to the FDD, any position requiring a license must be filled by a currently licensed person, and providers such as physicians, nurse practitioners, physician assistants, registered nurses and estheticians must hold the qualifications their state requires.
These rules affect financing because a center cannot open, or grow, until its providers and supervision arrangements are in place. Credentialing and recruiting can delay revenue, and pharmacy and supply relationships may require separate approvals. Most services in this model are paid directly by clients, which can shorten collection times compared with insurance billing, but confirm your own payer mix. None of this replaces advice from a healthcare attorney in your state.
Ways to Own a 4Ever Young Franchise
A single new center. Most owners start with one center. Lenders treat it as a start-up, so your liquidity, management experience, provider plan and projections carry the request. Our page on med spa start-up financing explains these loans.
A multi-unit development agreement. The 2025 FDD lists development fees of $110,000 for two units, $45,000 per unit for 3 to 5 units, $40,000 per unit for 6 to 9 and $35,000 per unit for 10 or more. Each additional center usually needs its own financing, and lenders want to see the first center perform before funding the next.
Buying an existing center. A resale offers a client base, trained staff and an established professional entity relationship. The franchisor must approve the transfer, and the Management Services Agreement and provider arrangements must carry over or be replaced. Our articles on buying an existing med spa franchise and med spa acquisition financing cover this path.
Financing Options for a 4Ever Young Franchise
SBA 7(a) loans. An SBA 7(a) loan can combine the franchise fee, build-out, equipment, inventory and working capital in one loan. The SBA 7(a) program maximum is currently $5 million, and program rules can change.
SBA 504 loans. If you buy the building for your center, an SBA 504 loan is designed for owner-occupied real estate and long-lived assets. Most centers lease retail or medical office space, so 504 typically fits a later stage.
Conventional term loans. Owners who meet the franchisor’s net worth and liquidity minimums with room to spare may qualify for conventional practice loans, which follow each lender’s own underwriting.
Equipment financing. Treatment devices, and especially optional body contouring or aesthetic lasers excluded from the Item 7 estimate, can be financed separately through med spa equipment financing and leasing.
Working capital and lines of credit. Royalty minimums, provider payroll, inventory and marketing all draw on cash before revenue stabilizes. A med spa working capital line can help.
Seller financing on resales. A seller may carry part of the price as a note. Seller notes are typically subordinate to the senior lender, and SBA program rules may limit how they are structured.
SBA Loans for 4Ever Young Franchisees
Directory status. 4Ever Young is listed on the SBA Franchise Directory under code S4147. A listing confirms the brand’s documents have been reviewed for eligibility; it does not guarantee approval of any loan.
Note 1: Management agreements. The directory says that if the applicant also operates under a management agreement with a third party, the lender must review that agreement under SBA rules to determine whether the applicant and the management company are affiliated. The applicant is not eligible if the management company is, or is affiliated with, the franchisor. Because this brand relies on a Management Services Agreement between the franchisee and a professional entity, expect the lender to review all of the agreements and relationships closely, and have your attorney prepare a clear summary of who owns and controls each entity.
Note 2: Lease assignment. When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Collateral Assignment of Lease may not be executed. In plain terms, that lease document is for leased sites; if you own and pledge the property, it does not apply.
SBA application tips. Provide a personal financial statement, tax returns, resumes, the FDD and franchise agreement, the Management Services Agreement and professional entity documents, a lease or letter of intent, build-out and equipment quotes, and monthly projections that include the royalty minimum. Our SBA loan calculator can help you estimate payments for planning purposes.
How Lenders Evaluate a 4Ever Young Franchise Loan
Personal credit and financial history. Expect a review of credit reports, tax returns and existing debts for each owner.
Net worth and liquidity. The franchisor’s $1,000,000 net worth and $400,000 liquidity minimums are a starting point; lenders also want post-closing reserves.
Management experience. The franchisor does not require industry experience, but lenders will still look for business management, healthcare, aesthetics or sales experience.
Clinical plan. Lenders want to know who the professional entity is, who will supervise providers and how quickly key clinicians can be hired.
Business plan and projections. Show client acquisition, membership and treatment mix, product costs, provider compensation, rent and the royalty minimum.
The FDD and franchise agreement. Lenders review fees, the term, transfer rules and any franchisor financing. Item 19 of the current FDD, if it includes financial performance representations, can inform assumptions, but your own market drives the forecast.
Site and lease. A lease that runs at least as long as the loan, with reasonable improvement allowances, strengthens the request.
Multi-Unit Growth
The development fee schedule shows the franchisor expects some owners to build multiple centers. Lenders typically finance each center separately and look for the first center to reach steady cash flow before funding the next. Plan liquidity for each new equity injection and each new set of royalty minimums.
Real-World Scenarios
A business owner opening a first center. An entrepreneur with the required net worth partners with a physician-owned professional entity, uses savings for the equity injection and finances the remainder with an SBA 7(a) loan.
A nurse practitioner and investor team. An investor forms the management company while a licensed provider practices through a separate professional entity, as state law allows, and the lender reviews both entities.
Buying an existing center. A buyer acquires an operating center with an established client base, financing the purchase on historical results with a small subordinate seller note.
Adding body contouring later. An established owner finances an optional aesthetic device with an equipment loan once demand is proven.
Common Mistakes to Avoid
- Assuming the 3-month additional funds estimate is enough working capital.
- Ignoring the $5,000 monthly royalty minimum in projections.
- Signing a lease before the professional entity structure is settled.
- Forgetting optional equipment that is excluded from Item 7.
- Overlooking how the SBA management agreement note applies.
Our article on med spa loan mistakes covers more pitfalls.
Next Steps to Finance Your 4Ever Young Franchise
Step 1: Get the current FDD. Confirm whether costs have changed since 2025.
Step 2: Engage a healthcare attorney. Set up the management company and professional entity correctly for your state.
Step 3: Build your budget. Start with Item 7 and add optional equipment and extra reserves.
Step 4: Secure clinical leadership. Identify the professional entity and supervising providers.
Step 5: Prepare projections. Include the royalty minimum and realistic client growth.
Step 6: Talk with a financing specialist. Match SBA, conventional and equipment financing to each part of the project.
Step 7: Negotiate the lease. Seek improvement allowances and a term that supports the loan.
4Ever Young Franchise Loan FAQs
How much does a 4Ever Young franchise cost?
The 2025 FDD estimates $386,750 to $747,400 for a single center, excluding real estate purchases and optional body contouring and laser equipment.
What is the 4Ever Young franchise fee?
$60,000, with $5,000 off the first franchise for veterans.
What royalty does 4Ever Young charge?
The greater of 7% of Gross Revenue or a monthly minimum of $2,500 for the first 6 months and $5,000 after that.
How much liquid capital do I need?
The franchisor’s website lists $400,000 in liquid capital and a $1,000,000 minimum net worth.
Do I need to be a doctor to own a 4Ever Young?
No. The franchisee operates as a management services organization, and licensed providers deliver medical services through a separate professional entity, subject to state law.
Is 4Ever Young eligible for SBA loans?
The brand is listed on the SBA Franchise Directory under code S4147, with notes on management agreements and lease assignments. Each loan still requires approval.
Can I finance equipment separately?
Yes. Treatment devices and optional aesthetic equipment can be financed or leased separately.
Can a 4Ever Young franchise loan include working capital?
Yes. SBA 7(a) and conventional loans can include working capital, and a line of credit can supplement it.
Can I buy an existing 4Ever Young center?
Yes, subject to franchisor approval and the transfer or replacement of provider arrangements.
Can I open multiple centers?
Yes. The 2025 FDD lists development fees for 2 to 10 or more units.
How large is a typical center?
The 2025 FDD’s build-out estimate assumes 1,500 to 2,000 square feet.
What are the transfer and renewal fees?
The 2025 FDD lists a $20,000 transfer fee and a $10,000 renewal fee.
Final Thoughts
A 4Ever Young franchise loan is a substantial, regulated healthcare project. Lenders will focus on your liquidity, the management services structure, your clinical leadership plan and projections that account for the royalty minimum. Start with the current FDD, work with a healthcare attorney on the entity structure and build a budget with reserves beyond the FDD’s 3-month estimate.
US Medical Funding helps med spa and anti-aging clinic owners finance franchise start-ups, acquisitions and growth. Learn more about our med spa practice financing.
