Fitness Together, 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 S0650)

9 deals since 2020 · typical deal $126K

Deals since 2020

$126K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Fitness Together has 9 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Fitness Together

Most Fitness Together deals financed between $90K and $286K. Above $286K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$126K

Monthly payment (10-yr): $1,863
Down payment (10%): $14K
Cash to close (all-in): $18K

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 ~$18K)

Experience

Recent financings

Fitness Together in Boise, ID — $30K (2026) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
13.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$24K (80%)
Approved
1/21/2026
Loan status
Committed
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Fitness and Recreational Sports Centers
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Mo-Fit, LLC in Westborough, MA — $126K (2024) · purchase · Rockland Trust Company
Program
Preferred Lenders Program
Rate at approval
7.24% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$107K (85%)
Approved
2/14/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$140K
Est. down payment (10%)
$14K
Est. cash at closing
$18K
Monthly payment
$1,916
Annual debt service
$23K
Cash flow needed (1.25×)
$29K
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 Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal
Mo-Fit, LLC in Westborough, MA — $126K (2024) · purchase · Rockland Trust Company
Program
Preferred Lenders Program
Rate at approval
7.24% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$107K (85%)
Approval → funding
18 days
Approved
2/15/2024
First disbursed
3/4/2024
Loan status
Paid in full (11/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$140K
Est. down payment (10%)
$14K
Est. cash at closing
$18K
Monthly payment
$1,916
Annual debt service
$23K
Cash flow needed (1.25×)
$29K
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 Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal
LION CULTURE FITNESS L.L.C. in Novi, MI — $90K (2024) · JPMorgan Chase Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
14.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$45K (50%)
Approval → funding
24 days
Approved
2/23/2024
First disbursed
3/18/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Other Personal Care Services
Funded by JPMorgan Chase Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Mo-Fit, LLC in Westborough, MA — $20K (2024) · Rockland Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$10K (50%)
Approved
2/24/2024
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
New Business or 2 years or less
Industry
Fitness and Recreational Sports Centers
Funded by Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal
WINGMAN FITNESS LLC in Seattle, WA — $300K (2023) · purchase · Heritage Bank
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
30 days
Approved
10/3/2022
First disbursed
11/2/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$333K
Est. down payment (10%)
$33K
Est. cash at closing
$45K
Monthly payment
$3,483
Annual debt service
$42K
Cash flow needed (1.25×)
$52K
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 Heritage Bank · Lender record →
Your business? Claim this record · Request removal
JLM Fitness LLC in Charlotte, NC — $241K (2023) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.25% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$181K (75%)
Approval → funding
17 days
Approved
11/4/2022
First disbursed
11/21/2022
Loan status
Paid in full (6/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
New Business or 2 years or less
Industry
Fitness and Recreational Sports Centers
Funded by Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
529 Fitness LLC in Bethesda, MD — $495K (2021) · purchase · EagleBank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$446K (90%)
Approval → funding
20 days
Approved
9/10/2021
First disbursed
9/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$550K
Est. down payment (10%)
$55K
Est. cash at closing
$74K
Monthly payment
$5,311
Annual debt service
$64K
Cash flow needed (1.25×)
$80K
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 EagleBank · Lender record →
Your business? Claim this record · Request removal
Fitness Panther LLC in Scottsdale, AZ — $286K (2020) · Midwest Regional Bank
Program
7a General
Rate at approval
6% variable
Term
123 months
SBA guaranteed
$215K (75%)
Approval → funding
101 days
Approved
7/22/2020
First disbursed
10/31/2020
Loan status
Paid in full (6/30/2022)
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 Midwest Regional Bank · Lender record →
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Who funds Fitness Together — and where

Every dot is a financed Fitness Together — 9 mapped.

Financed Fitness Together locations — list all 9 as text

JLM Fitness LLC — Charlotte · $241K · FY2023 · Fitness and Recreational Sports Centers
Fitness Together — Boise · $30K · FY2026 · Fitness and Recreational Sports Centers
Fitness Panther LLC — Scottsdale · $286K · FY2020 · Fitness and Recreational Sports Centers
WINGMAN FITNESS LLC — Seattle · $300K · FY2023 · Fitness and Recreational Sports Centers
Mo-Fit, LLC — Westborough · $126K · FY2024 · Fitness and Recreational Sports Centers
Mo-Fit, LLC — Westborough · $126K · FY2024 · Fitness and Recreational Sports Centers
LION CULTURE FITNESS L.L.C. — Novi · $90K · FY2024 · Other Personal Care Services
Mo-Fit, LLC — Westborough · $20K · FY2024 · Fitness and Recreational Sports Centers
529 Fitness LLC — Bethesda · $495K · FY2021 · Fitness and Recreational Sports Centers

Top lenders for this brand

Most active states

1.Massachusetts (3 loans)
2.North Carolina (1 loans)
3.Idaho (1 loans)
4.Arizona (1 loans)
5.Washington (1 loans)
6.Michigan (1 loans)
7.Maryland (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Fitness Together 3 times already knows the unit economics and approves faster than one learning the brand on your file.

Who should reach out?

By submitting, I agree that CapBench may share my contact information with SBA lending partners and loan brokers (including partners who compensate CapBench), and that they and CapBench may contact me about financing by phone, email, and text — including via autodialed or prerecorded calls and messages — at the phone number and email I provide. Consent is not a condition of any purchase or service, and message and data rates may apply. CapBench is not a lender and makes no credit decision. We'll introduce you to your pick or a comparable Fitness Together lending specialist.

Common questions

How much does a Fitness Together cost to buy or open?

The typical deal for Fitness Together is $126K across 9 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $14K of buyer cash on a typical deal.

How risky is Fitness Together?

Fitness Together has 9 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 Together with an SBA loan?

Yes — Fitness Together has been SBA-financed 1 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Fitness Together franchise

Most Fitness Together 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 Together deal financed for $126K, which points to about $14K of buyer cash on a typical purchase. Fitness Together is listed in the SBA Franchise Directory (identifier S0650), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Fitness Together — 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 Together — 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 Together — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Fitness Together is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

9 SBA 7(a) deals since 2020
$126K typical deal
1 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S0650)
Top lenders: Rockland Trust Company, Wells Fargo Bank National Association, Readycap Lending, LLC

Next steps

Check SBA fit Find SBA lenders $9 lender report

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.
Canonical:: https://www.capbench.com/franchises/fitness-together
API:: https://www.capbench.com/api/public/franchises/fitness-together
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 Together.