Gold's Gym, 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 S0727)

6 deals since 2020 · typical deal $1.3M

Deals since 2020

$1.3M

Typical deal

Deals since FY2025

—

Too few deals to score risk

Gold's Gym has 6 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 Gold's Gym

Most Gold's Gym deals financed between $850K and $1.73M. Above $1.73M, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$1.35M

Monthly payment (10-yr): $17,595
Down payment (10%): $150K
Cash to close (all-in): $205K

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 ~$205K)

Experience

Recent financings

HELIX2 Fitness HM LLC in Dacula, GA — $2.0M (2026) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.5M (75%)
Approved
11/18/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Existing or more than 2 years old
Industry
Fitness and Recreational Sports Centers
Funded by Readycap Lending, LLC · Lender record →
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Bridgewater Fitness LLC in Bridgewater, NJ — $1.7M (2025) · purchase · Pathward National Association
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.3M (75%)
Approval → funding
23 days
Approved
12/11/2024
First disbursed
1/3/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
50
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$1.9M
Est. down payment (10%)
$192K
Est. cash at closing
$264K
Monthly payment
$22,796
Annual debt service
$274K
Cash flow needed (1.25×)
$342K
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 Pathward National Association · Lender record →
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GGNorCal LLC in Milpitas, CA — $800K (2024) · West Coast Community Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$600K (75%)
Approved
11/22/2023
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
New Business or 2 years or less
Industry
Fitness and Recreational Sports Centers
Funded by West Coast Community Bank · Lender record →
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Bergen Fitness Inc. in Teterboro, NJ — $1.3M (2020) · purchase · First Commerce Bank
Program
Preferred Lenders Program
Rate at approval
6.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$1.0M (75%)
Approval → funding
26 days
Approved
2/3/2020
First disbursed
2/29/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
15
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$1.5M
Est. down payment (10%)
$150K
Est. cash at closing
$205K
Monthly payment
$15,107
Annual debt service
$181K
Cash flow needed (1.25×)
$227K
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 First Commerce Bank
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East Tennessee Fitness LLC in Knoxville, TN — $1.2M (2020) · purchase · LendingClub Bank, National Association
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
121 months
SBA guaranteed
$926K (75%)
Approval → funding
22 days
Approved
10/9/2019
First disbursed
10/31/2019
Loan status
Paid in full (4/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
208
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$1.4M
Est. down payment (10%)
$137K
Est. cash at closing
$188K
Monthly payment
$14,258
Annual debt service
$171K
Cash flow needed (1.25×)
$214K
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 LendingClub Bank, National Association · Lender record →
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MK Muscle Beach LLC in Fuquay Varina, NC — $850K (2020) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
126 months
SBA guaranteed
$638K (75%)
Approval → funding
4 days
Approved
3/27/2020
First disbursed
3/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
35
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by First Bank of the Lake · Lender record →
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Who funds Gold's Gym — and where

Every dot is a financed Gold's Gym — 5 mapped.

Financed Gold's Gym locations — list all 5 as text

HELIX2 Fitness HM LLC — Dacula · $2.0M · FY2026 · Fitness and Recreational Sports Centers
GGNorCal LLC — Milpitas · $800K · FY2024 · Fitness and Recreational Sports Centers
East Tennessee Fitness LLC — Knoxville · $1.2M · FY2020 · Fitness and Recreational Sports Centers
Bergen Fitness Inc. — Teterboro · $1.3M · FY2020 · Fitness and Recreational Sports Centers
MK Muscle Beach LLC — Fuquay Varina · $850K · FY2020 · Fitness and Recreational Sports Centers

Top lenders for this brand

1.Readycap Lending, LLC(1)
2.West Coast Community Bank(1)
3.Pathward National Association(1)
4.LendingClub Bank, National Association(1)
5.First Commerce Bank (1)

Most active states

1.New Jersey (2 loans)
2.Georgia (1 loans)
3.California (1 loans)
4.Tennessee (1 loans)
5.North Carolina (1 loans)

Represent Gold's Gym?

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Insider move

Start with the lenders above — a bank that's funded Gold's Gym 1 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 Gold's Gym lending specialist.

Common questions

How much does a Gold's Gym cost to buy or open?

The typical deal for Gold's Gym is $1.3M across 6 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $148K of buyer cash on a typical deal.

How risky is Gold's Gym?

Gold's Gym has 6 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 Gold's Gym with an SBA loan?

Yes — Gold's Gym has been SBA-financed 2 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

Buying a Gold's Gym franchise

Most Gold's Gym 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 Gold's Gym deal financed for $1.3M, which points to about $148K of buyer cash on a typical purchase. Gold's Gym is listed in the SBA Franchise Directory (identifier S0727), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Gold's Gym — 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 Gold's Gym — 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 Gold's Gym — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Gold's Gym is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

6 SBA 7(a) deals since 2020
$1.3M typical deal
2 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S0727)
Top lenders: Readycap Lending, LLC, West Coast Community Bank, Pathward National Association

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/gold-s-gym
API:: https://www.capbench.com/api/public/franchises/gold-s-gym
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 Gold's Gym.