Rukus Cycling Studio, 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 S3603)

5 deals since 2020 · typical deal $623K

Deals since 2020

$623K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Rukus Cycling Studio has 5 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 Rukus Cycling Studio

Most Rukus Cycling Studio deals financed between $586K and $671K. Above $671K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$623K

Monthly payment (10-yr): $8,146
Down payment (10%): $69K
Cash to close (all-in): $93K

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 ~$93K)

Experience

Recent financings

CMH Fitness LLC in Tampa, FL — $709K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
126 months
SBA guaranteed
$532K (75%)
Approval → funding
16 days
Approved
2/16/2022
First disbursed
3/4/2022
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
CycleOps. Inc in Saint Johns, FL — $671K (2021) · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
83 months
SBA guaranteed
$604K (90%)
Approval → funding
12 days
Approved
2/10/2021
First disbursed
2/22/2021
Loan status
Failed — $40K charged off (8/16/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
19
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Cycling Winder Garden, LLC in Winter Garden, FL — $623K (2021) · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
131 months
SBA guaranteed
$561K (90%)
Approval → funding
203 days
Approved
8/9/2021
First disbursed
2/28/2022
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
19
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Kairos Moment LLC in Tyler, TX — $450K (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
102 months
SBA guaranteed
$405K (90%)
Approval → funding
1 days
Approved
9/29/2021
First disbursed
9/30/2021
Loan status
Failed — $372K charged off (11/25/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Rukus Dr. Phillips, LLC in Orlando, FL — $586K (2020) · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
97 months
SBA guaranteed
$440K (75%)
Approval → funding
37 days
Approved
1/23/2020
First disbursed
2/29/2020
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal

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Who funds Rukus Cycling Studio — and where

Every dot is a financed Rukus Cycling Studio — 5 mapped.

Financed Rukus Cycling Studio locations — list all 5 as text

CycleOps. Inc — Saint Johns · $671K · FY2021 · Fitness and Recreational Sports Centers
Rukus Dr. Phillips, LLC — Orlando · $586K · FY2020 · Fitness and Recreational Sports Centers
CMH Fitness LLC — Tampa · $709K · FY2022 · Fitness and Recreational Sports Centers
Cycling Winder Garden, LLC — Winter Garden · $623K · FY2021 · Fitness and Recreational Sports Centers
Kairos Moment LLC — Tyler · $450K · FY2021 · Fitness and Recreational Sports Centers

Top lenders for this brand

Most active states

1.Florida (4 loans)
2.Texas (1 loans)

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Insider move

Start with the lenders above — a bank that's funded Rukus Cycling Studio 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 Rukus Cycling Studio lending specialist.

Common questions

How much does a Rukus Cycling Studio cost to buy or open?

The typical deal for Rukus Cycling Studio is $623K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $69K of buyer cash on a typical deal.

How risky is Rukus Cycling Studio?

Rukus Cycling Studio has 5 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 Rukus Cycling Studio with an SBA loan?

Yes — Rukus Cycling Studio 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 Rukus Cycling Studio franchise

Most Rukus Cycling Studio 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 Rukus Cycling Studio deal financed for $623K, which points to about $69K of buyer cash on a typical purchase. Rukus Cycling Studio is listed in the SBA Franchise Directory (identifier S3603), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Rukus Cycling Studio — 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 Rukus Cycling Studio — 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 Rukus Cycling Studio — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Rukus Cycling Studio is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.

5 SBA 7(a) deals since 2020
$623K typical deal
0 deals since FY2025
Too few deals to score a reliable failure rate
SBA Franchise Directory: listed (identifier S3603)
Top lenders: Gulf Coast Bank and Trust Company, 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/rukus-cycling-studio
API:: https://www.capbench.com/api/public/franchises/rukus-cycling-studio
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 Rukus Cycling Studio.