SBA lending record
BETTER SECOND HALF LLC
121 O'FALLON COMMONS DRIVE, UNIT 121, O'Fallon, MO 63368 · Fitness and Recreational Sports Centers. The complete public SBA 7(a) record for this business — every loan, every field, the lender, and the map.
$230K
Total SBA financing
3
Loans on record
FY2020–23
On record
7
Jobs supported
Franchise brand
The Exercise Coach
See The Exercise Coach's SBA financing data — typical deal, failure rate, and how its loans perform →
● business — business location is the ZIP-area centroid from the public record
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All 3 loans
$20,000 — FY2023
Loan 1 of 3- Gross approval
- $20,000
- SBA guaranteed
- $10,000 (50%)
- Status
- Charged off (failed)
- Rate at approval
- 10.9% v
- Term
- 93 mo (8 yr)
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 12/19/2022
- First disbursement
- 1/4/2023
- Days to fund
- 16 days
- Charged off
- 5/29/2025
- Charge-off amount
- $16,431
- Collateral
- None
- Jobs supported
- 1
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- Fitness and Recreational Sports Centers
- NAICS code
- 713940
- Franchise
- The Exercise Coach
- Franchise code
- S1744
- Address
- 1739 KNOLL TER
- City
- Saint Peters, 63376
- County
- Saint Charles
- SBA district office
- ST. LOUIS DISTRICT OFFICE
- Congressional district
- 2
$66,100 — FY2023
Loan 2 of 3- Gross approval
- $66,100
- SBA guaranteed
- $56,185 (85%)
- Status
- Charged off (failed)
- Rate at approval
- 13.25% v
- Term
- 111 mo (9 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 9/28/2023
- First disbursement
- 10/4/2023
- Days to fund
- 6 days
- Charged off
- 11/25/2024
- Charge-off amount
- $64,476
- Collateral
- None
- Sold on secondary market
- Yes
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- All Other Amusement and Recreation Industries
- NAICS code
- 713990
- Franchise
- The Exercise Coach
- Franchise code
- S1744
- Lender
- BayFirst National Bank
- Address
- 1217 Mendoza Dr.
- City
- Saint Peters, 63376
- County
- Saint Charles
- SBA district office
- ST. LOUIS DISTRICT OFFICE
- Congressional district
- 2
$143,500 — FY2020
Loan 3 of 3- Gross approval
- $143,500
- SBA guaranteed
- $121,975 (85%)
- Status
- Charged off (failed)
- Rate at approval
- 7.75% v
- Term
- 115 mo (10 yr)
- Program
- Preferred Lenders Program
- Subprogram
- Guaranty
- Loan type
- Term loan
- Purpose
- Other / working capital
- Approved
- 10/1/2019
- First disbursement
- 10/31/2019
- Days to fund
- 30 days
- Charged off
- 8/5/2025
- Charge-off amount
- $88,169
- Collateral
- Required
- Sold on secondary market
- Yes
- Jobs supported
- 6
- Business type
- Corporation
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
- NAICS code
- 713940
- Franchise
- The Exercise Coach
- Franchise code
- S1744
- Address
- 121 O'FALLON COMMONS DRIVE, UNIT 121
- City
- O'Fallon, 63368
- County
- Saint Charles
- SBA district office
- ST. LOUIS DISTRICT OFFICE
- Congressional district
- 2
The lenders
Stearns Bank National Association
1 loan to this businessFull SBA lending record + branches on the lender page →PNC Bank, National Association
1 loan to this businessFull SBA lending record + branches on the lender page →BayFirst National Bank
1 loan to this businessFull SBA lending record + branches on the lender page →Find SBA lenders for businesses like this
The banks most active funding fitness and recreational sports centers — by location, industry, and brand.
Other The Exercise Coach locations
Other The Exercise Coach businesses in the public SBA record — closest first, by location and deal size.
TOTAL VITALITY INC
O Fallon, MO· ~3 mi
The Exercise Coach
- $292K
- SBA financing
- ≈ $573K–$955K
- Est. revenue (rough)
The Exercise Coach of St Peters
St Peters, MO· ~8 mi
The Exercise Coach
- $75K
- SBA financing
- ≈ $147K–$245K
- Est. revenue (rough)
GP Futures LLC
Edwardsville, IL· ~41 mi
The Exercise Coach
- $193K
- SBA financing
- ≈ $377K–$629K
- Est. revenue (rough)
Mid-Mo Personal Training LLC
Columbia, MO· ~89 mi
The Exercise Coach
- $211K
- SBA financing
- ≈ $414K–$690K
- Est. revenue (rough)
Rem Tec LLC
Bettendorf, IA· ~194 mi
The Exercise Coach
- $230K
- SBA financing
- ≈ $451K–$752K
- Est. revenue (rough)
RYTE, Inc.
Liberty, MO· ~202 mi
The Exercise Coach
- $255K
- SBA financing
- ≈ $500K–$833K
- Est. revenue (rough)
Similar businesses
Comparable fitness and recreational sports centers in the public SBA 7(a) record — matched on industry, then location and deal size. Public records, not for-sale listings.
PEDERSON & COMPANY LLC
O Fallon, MO· ~4 mi
Fitness and Recreational Sports Centers
- $191K
- SBA financing
- ≈ $374K–$623K
- Est. revenue (rough)
HOP EQUIPMENT LLC
Chesterfield, MO· ~10 mi
Fitness and Recreational Sports Centers
- $250K
- SBA financing
- ≈ $490K–$817K
- Est. revenue (rough)
Infinite Health Solutions LLC
Saint Peters, MO· ~7 mi
Fitness and Recreational Sports Centers
- $196K
- SBA financing
- ≈ $385K–$641K
- Est. revenue (rough)
Willard Fitness LLC
O' Fallon, MO· ~3 mi
CycleBar
- $337K
- SBA financing
- ≈ $661K–$1.1M
- Est. revenue (rough)
Maniaworx, LLC
O Fallon, MO· ~0 mi
Hotworx
- $425K
- SBA financing
- ≈ $833K–$1.4M
- Est. revenue (rough)
RESILIENT FITNESS SOLUTIONS LLC
Saint Louis, MO· ~17 mi
30 Minute Hit
- $230K
- SBA financing
- ≈ $451K–$752K
- Est. revenue (rough)
Agent summary
This page summarizes the public SBA 7(a) lending record for BETTER SECOND HALF LLC in O'Fallon, MO (Fitness and Recreational Sports Centers). CapBench compiles public SBA loan data, lender activity, and business signals to help buyers and advisors evaluate acquisition financing — it does not list this business for sale.
- 3 SBA 7(a) loans totaling $230K
- On record FY2020–23
- 7 jobs supported
- Industry: Fitness and Recreational Sports Centers
- Location: O'Fallon, MO
- Lenders: Stearns Bank National Association, PNC Bank, National Association, BayFirst National Bank
Buyers researching a deal like this usually check lender fit next: see the SBA lenders most active with Fitness and Recreational Sports Centers businesses in MO for ~$77k deals, then pre-qualify for 7(a) financing before making an offer. CapBench can arrange a lender introduction — free for buyers.
- Data freshness:
- SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-17.
- Sources:
- Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
- Methodology:
- Sources & methodology
- Informational only — CapBench does not confirm this entity is for sale, eligible for SBA financing, or approved by any lender.
- Figures come from public records and CapBench methodology; verify before relying on them.
- Financing figures are historical loan records, not a current offer or a loan approval. CapBench is not a lender.
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CapBench listing built from public SBA 7(a) lending records. Figures are as reported; verify before relying on them. Not affiliated with BETTER SECOND HALF LLC.