Salt Vault: An SBA-Ready Plan for a Wellness Franchisee

Situation

A Salt Vault franchisee needed financing to open a salt-therapy wellness location — and franchise lending has its own logic. A lender underwrites both the franchisor’s proven system and the specific franchisee/borrower who will run the unit, plus the local market. The plan had to speak to all three.

The engagement

CMA built a lender-ready franchisee plan structured the way franchise financing is actually assessed.

Franchisor and franchisee overview

The plan paired a franchisor overview — the established Salt Vault brand and model — with a franchisee/borrower overview, because a franchise lender’s confidence rests on the strength of the system and the capability of the operator taking it on.

Products, local pricing, and market

The core offerings, local pricing and execution, and a market analysis specific to the territory translated a national concept into a viable local business — the localization a lender needs to see.

The financial model

A financial model with projections and a funding build sized to a single location, structured for a franchise-financing review.

Why the structure mattered

The framing decision was to write to the franchise lender’s dual lens — system and operator. A generic plan that leans only on the brand, or only on the individual, misses how franchise credit is actually underwritten; pairing both is what made this plan financeable.

Impact

The Salt Vault franchisee left with a lender-ready plan and model — the franchisor’s model, the local market, and the operator’s profile framed together, exactly as a franchise lender reads them.