Fitness 1440, by the numbers
Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.
SBA Franchise Directory: listed ✓ (identifier S0649)
7 deals since 2020 · typical deal $243K
7
Deals since 2020
$243K
Typical deal
0
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Fitness 1440
Most Fitness 1440 deals financed between $179K and $400K. Above $400K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $3,593
- Down payment (10%)
- $27K
- Cash to close (all-in)
- $36K
Estimates at today's rates and standard 7(a) terms. Not a loan offer.
Could you get the loan?
Three answers. No documents, no credit pull.
Credit score
Available cash (you'll need ~$36K)
Experience
Recent financings
- Tennessee Muscle, LLC in White House, TN — $179K (2024) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 124 months
- SBA guaranteed
- $134K (75%)
- Approval → funding
- 43 days
- Approved
- 7/9/2024
- First disbursed
- 8/21/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- New Business or 2 years or less
- Industry
- Fitness and Recreational Sports Centers
Funded by Byline Bank · Lender record →
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- Tennessee Muscle, LLC in White House, TN — $551K (2022) · Byline Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 124 months
- SBA guaranteed
- $413K (75%)
- Approval → funding
- 29 days
- Approved
- 9/6/2022
- First disbursed
- 10/5/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Byline Bank · Lender record →
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- Transformative Enterprises, LLC in Conyers, GA — $317K (2021) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $238K (75%)
- Approval → funding
- 5 days
- Approved
- 10/26/2020
- First disbursed
- 10/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Citizens Bank · Lender record →
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- Iron Works LLC in Hueytown, AL — $96K (2021) · Central State Bank
- Program
- 7a General
- Rate at approval
- 6% variable
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $86K (90%)
- Approval → funding
- 53 days
- Approved
- 8/9/2021
- First disbursed
- 10/1/2021
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Jobs supported
- 21
- Business age
- Existing or more than 2 years old
- Industry
- All Other Personal Services
Funded by Central State Bank · Lender record →
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- Transformative Enterprises, LLC in Conyers, GA — $400K (2020) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 123 months
- SBA guaranteed
- $300K (75%)
- Approved
- 3/2/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Unanswered
- Industry
- Fitness and Recreational Sports Centers
Funded by Newtek Small Business Finance, Inc.
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- Shaw, Ltd. in Pottstown, PA — $243K (2020) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $182K (75%)
- Approval → funding
- 37 days
- Approved
- 1/23/2020
- First disbursed
- 2/29/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Partnership
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Unanswered
- Industry
- Fitness and Recreational Sports Centers
Funded by Newtek Small Business Finance, Inc.
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- GACO Fitness LLC in Marietta, GA — $227K (2020) · purchase · CRF Small Business Loan Company, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 86 months
- SBA guaranteed
- $170K (75%)
- Approval → funding
- 2 days
- Approved
- 9/14/2020
- First disbursed
- 9/16/2020
- Loan status
- Paid in full (11/30/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Fitness and Recreational Sports Centers
If you were the buyer here
- Est. deal size
- $252K
- Est. down payment (10%)
- $25K
- Est. cash at closing
- $34K
- Monthly payment
- $3,254
- Annual debt service
- $39K
- Cash flow needed (1.25×)
- $49K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by CRF Small Business Loan Company, LLC · Lender record →
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Who funds Fitness 1440 — and where
Every dot is a financed Fitness 1440 — 7 mapped.
Financed Fitness 1440 locations — list all 7 as text
- Tennessee Muscle, LLC — White House · $179K · FY2024 · Fitness and Recreational Sports Centers
- GACO Fitness LLC — Marietta · $227K · FY2020 · Fitness and Recreational Sports Centers
- Transformative Enterprises, LLC — Conyers · $317K · FY2021 · Fitness and Recreational Sports Centers
- Tennessee Muscle, LLC — White House · $551K · FY2022 · Fitness and Recreational Sports Centers
- Shaw, Ltd. — Pottstown · $243K · FY2020 · Fitness and Recreational Sports Centers
- Transformative Enterprises, LLC — Conyers · $400K · FY2020 · Fitness and Recreational Sports Centers
- Iron Works LLC — Hueytown · $96K · FY2021 · All Other Personal Services
Top lenders for this brand
1.Byline Bank(2)
- 2.Newtek Small Business Finance, Inc. (2)
3.CRF Small Business Loan Company, LLC(1)
4.Citizens Bank(1)
5.Central State Bank(1)
Most active states
- 1.Georgia (3 loans)
- 2.Tennessee (2 loans)
- 3.Pennsylvania (1 loans)
- 4.Alabama (1 loans)
Represent Fitness 1440?
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Common questions
How much does a Fitness 1440 cost to buy or open?
The typical deal for Fitness 1440 is $243K across 7 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $27K of buyer cash on a typical deal.
How risky is Fitness 1440?
Fitness 1440 has 7 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.
Can I finance a Fitness 1440 with an SBA loan?
Yes — Fitness 1440 has been SBA-financed 0 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Fitness 1440 franchise
Most Fitness 1440 buyers finance the purchase or build-out with an SBA 7(a) loan — up to 90% of the cost with roughly 10% down. The typical Fitness 1440 deal financed for $243K, which points to about $27K of buyer cash on a typical purchase. Fitness 1440 is listed in the SBA Franchise Directory (identifier S0649), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Fitness 1440 — a bank that knows the brand approves faster — or pre-qualify for financing to see your likely loan size first.
AI summary
This profile summarizes public SBA financing activity for Fitness 1440 — lender activity, typical loan sizes, financing history, and risk and failure signals where available — via CapBench SBA Intelligence. CapBench is not a lender.
Source: CapBench SBA Intelligence, based on public SBA, lender, franchise, FDIC, and related records. CapBench is not a lender and does not guarantee financing.
Agent summary
This page summarizes public SBA 7(a) financing for Fitness 1440 — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Fitness 1440 is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 7 SBA 7(a) deals since 2020
- $243K typical deal
- 0 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S0649)
- Top lenders: Byline Bank, Newtek Small Business Finance, Inc., CRF Small Business Loan Company, LLC
- 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 SBA loan records, not a current offer or franchise availability. Confirm SBA Franchise Directory listing with your lender before an LOI.
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CapBench analysis of public lending records, FY2020–present. Charge-off rate measured on the FY2020–23 cohort. Not affiliated with Fitness 1440.