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Vietnamese consumers, many new to fitness programs, want structured workouts with someone to lead the way. So says Ted Lee, the master franchisee who believes 9Round's concept is the right fit and is moving forward with development despite pandemic delays.

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As the franchise world charts a bumpy path forward, financing has changed. Unlike the Great Recession, there's not a liquidity crisis, but a major fear of the unknown. Lenders hate the uncertainty and have high guardrails in place to avoid risk.

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Along with his four kids, Tony Mattiacio operates six Ziebart auto detailing shops, having turned an after-school job into a successful business. Dividing roles to match skillsets is one lesson learned, along with the kids working their way up to build credibility.

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Elliot Baum, like many restaurant operators, delights in talking about growth. Right now, for example, he is imagining starting from scratch as a Famous Dave's franchisee. “If you had an endcap with a Starbucks on one side and I could do an endcap on the other side, I'd look to get 2,500 square feet and put a drive-thru on. That's where I'd be at,” he explains in a mid-July phone call.