Sweat440, 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 S4524)
12 deals since 2020 · typical deal $465K
12
Deals since 2020
$465K
Typical deal
6
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Sweat440
Most Sweat440 deals financed between $350K and $516K. Above $516K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $6,081
- Down payment (10%)
- $52K
- Cash to close (all-in)
- $69K
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 ~$69K)
Experience
Recent financings
- Morzos Fitness Studio LLC in Orlando, FL — $576K (2026) · ACC Capital
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 123 months
- SBA guaranteed
- $432K (75%)
- Approved
- 1/28/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by ACC Capital · Lender record →
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- Vital Edge Group LLC in Carrollton, TX — $350K (2026) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 123 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 64 days
- Approved
- 11/20/2025
- First disbursed
- 1/23/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Magnifi Financial CU · Lender record →
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- CINQUE PIETRE LLC in Naples, FL — $350K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 2/5/2026
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by The Huntington National Bank · Lender record →
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- CINQUE PIETRE LLC in Naples, FL — $350K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 3/31/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by The Huntington National Bank · Lender record →
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- FIT-NYC PARK SLOPE LLC in Brooklyn, NY — $500K (2025) · Port 51 Lending LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 126 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 78 days
- Approved
- 4/30/2025
- First disbursed
- 7/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- New Business or 2 years or less
- Industry
- Fitness and Recreational Sports Centers
Funded by Port 51 Lending LLC · Lender record →
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- Marco Ventures, LLC in Reston, VA — $500K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $375K (75%)
- Approved
- 5/31/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- 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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- Sweat South Florida 2 LLC in Miramar, FL — $630K (2023) · Ocean Bank
- Program
- 7a General
- Rate at approval
- 11.5% variable
- Term
- 129 months
- SBA guaranteed
- $473K (75%)
- Approval → funding
- 410 days
- Approved
- 8/21/2023
- First disbursed
- 10/4/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Ocean Bank
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- Pollywog-Charlotte-NoDa, LLC in Charlotte, NC — $425K (2023) · First-Citizens Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $319K (75%)
- Approval → funding
- 11 days
- Approved
- 3/24/2023
- First disbursed
- 4/4/2023
- Loan status
- Paid in full (2/28/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- New Business or 2 years or less
- Industry
- Fitness and Recreational Sports Centers
Funded by First-Citizens Bank & Trust Company · Lender record →
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- S440 - ZILKER LLC in Austin, TX — $350K (2023) · Five Star Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 101 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 32 days
- Approved
- 4/3/2023
- First disbursed
- 5/5/2023
- 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
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Five Star Bank · Lender record →
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- Sweat440 in Coral Springs, FL — $516K (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 126 months
- SBA guaranteed
- $387K (75%)
- Approval → funding
- 15 days
- Approved
- 4/20/2022
- First disbursed
- 5/5/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Newtek Small Business Finance, Inc.
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Who funds Sweat440 — and where
Every dot is a financed Sweat440 — 12 mapped.
Financed Sweat440 locations — list all 12 as text
- Vital Edge Group LLC — Carrollton · $350K · FY2026 · Fitness and Recreational Sports Centers
- Morzos Fitness Studio LLC — Orlando · $576K · FY2026 · Fitness and Recreational Sports Centers
- CINQUE PIETRE LLC — Naples · $350K · FY2026 · Fitness and Recreational Sports Centers
- CINQUE PIETRE LLC — Naples · $350K · FY2026 · Fitness and Recreational Sports Centers
- FIT-NYC PARK SLOPE LLC — Brooklyn · $500K · FY2025 · Fitness and Recreational Sports Centers
- Marco Ventures, LLC — Reston · $500K · FY2025 · Fitness and Recreational Sports Centers
- Sweat440 — Miami · $428K · FY2022 · Fitness and Recreational Sports Centers
- Sweat South Florida 2 LLC — Miramar · $630K · FY2023 · Fitness and Recreational Sports Centers
- Pollywog-Charlotte-NoDa, LLC — Charlotte · $425K · FY2023 · Fitness and Recreational Sports Centers
- S440 - ZILKER LLC — Austin · $350K · FY2023 · Fitness and Recreational Sports Centers
- Sweat440 — Deerfield Beach · $465K · FY2022 · Fitness and Recreational Sports Centers
- Sweat440 — Coral Springs · $516K · FY2022 · Fitness and Recreational Sports Centers
Top lenders for this brand
- 1.Newtek Small Business Finance, Inc. (3)
2.The Huntington National Bank(2)
3.Magnifi Financial CU(1)
4.ACC Capital(1)
5.Port 51 Lending LLC(1)
Most active states
- 1.Florida (7 loans)
- 2.Texas (2 loans)
- 3.New York (1 loans)
- 4.Virginia (1 loans)
- 5.North Carolina (1 loans)
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Common questions
How much does a Sweat440 cost to buy or open?
The typical deal for Sweat440 is $465K across 12 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $51K of buyer cash on a typical deal.
How risky is Sweat440?
Sweat440 has 12 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 Sweat440 with an SBA loan?
Yes — Sweat440 has been SBA-financed 6 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.
Buying a Sweat440 franchise
Most Sweat440 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 Sweat440 deal financed for $465K, which points to about $51K of buyer cash on a typical purchase. Sweat440 is listed in the SBA Franchise Directory (identifier S4524), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Sweat440 — 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 Sweat440 — 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 Sweat440 — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Sweat440 is confirmed in the SBA Franchise Directory here; CapBench is not a lender and does not sell franchises.
- 12 SBA 7(a) deals since 2020
- $465K typical deal
- 6 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S4524)
- Top lenders: Newtek Small Business Finance, Inc., The Huntington National Bank, Magnifi Financial CU
- 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 Sweat440.