According to Hydrodog's 2025 Franchise Disclosure Document, Hydrodog does not currently have a practice of selling, assigning, or discounting franchisee notes to third parties. Item 10 of the FDD states that while Hydrodog reserves the right to sell, assign, or discount notes, contracts, or other instruments signed by franchisees to a third party, they do not have any past or present practice of doing so.

Additionally, the table in Item 10 regarding financing indicates that there is no intent to sell, assign, or factor the debt to a third party. This provides some assurance to prospective franchisees that their debt obligations will be managed directly by Hydrodog, at least initially.

It is important to note that Hydrodog reserves the right to change this practice in the future. While currently they do not sell or assign franchisee notes, the FDD language allows them to do so. A prospective franchisee should consider the implications of this possibility, including potential changes in loan servicing, collection practices, or other terms, if Hydrodog were to sell their debt to a third party.