Overtime Athletics, 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 S5515)

2 deals since 2020 · typical deal $40K

Deals since 2020

$40K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Overtime Athletics has 2 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 Overtime Athletics

Most Overtime Athletics deals financed between $26K and $40K. Above $40K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$40K

Monthly payment (10-yr): $603
Down payment (10%): $4K
Cash to close (all-in): $6K

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 ~$6K)

Experience

Recent financings

Bag Athletics LLC in Cleveland, OH — $40K (2024) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$34K (85%)
Approval → funding
109 days
Approved
3/21/2024
First disbursed
7/8/2024
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Fitness and Recreational Sports Centers
Funded by The Huntington National Bank · Lender record →
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Bag Athletics LLC in Cleveland, OH — $26K (2024) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
106 days
Approved
3/21/2024
First disbursed
7/5/2024
Loan status
Delinquent
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Existing or more than 2 years old
Industry
Fitness and Recreational Sports Centers
Funded by The Huntington National Bank · Lender record →
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Who funds Overtime Athletics — and where

Every dot is a financed Overtime Athletics — 2 mapped.

Financed Overtime Athletics locations — list all 2 as text

Bag Athletics LLC — Cleveland · $26K · FY2024 · Fitness and Recreational Sports Centers
Bag Athletics LLC — Cleveland · $40K · FY2024 · Fitness and Recreational Sports Centers

Top lenders for this brand

1.The Huntington National Bank(2)

Most active states

1.Ohio (2 loans)

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Insider move

Start with the lenders above — a bank that's funded Overtime Athletics 2 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 Overtime Athletics lending specialist.

Common questions

How much does a Overtime Athletics cost to buy or open?

The typical deal for Overtime Athletics is $40K across 2 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $4K of buyer cash on a typical deal.

How risky is Overtime Athletics?

Overtime Athletics has 2 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 Overtime Athletics with an SBA loan?

Yes — Overtime Athletics 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 Overtime Athletics franchise

Most Overtime Athletics 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 Overtime Athletics deal financed for $40K, which points to about $4K of buyer cash on a typical purchase. Overtime Athletics is listed in the SBA Franchise Directory (identifier S5515), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Overtime Athletics — 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 Overtime Athletics — 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 Overtime Athletics — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Overtime Athletics is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

2 SBA 7(a) deals since 2020
$40K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S5515)
Top lenders: The Huntington National Bank

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/overtime-athletics
API:: https://www.capbench.com/api/public/franchises/overtime-athletics
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 Overtime Athletics.