The Max Challenge, 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 S1772)
6 deals since 2020 · typical deal $67K
6
Deals since 2020
$67K
Typical deal
2
Deals since FY2025
—
Too few deals to score risk
What buyers pay for The Max Challenge
Most The Max Challenge deals financed between $50K and $180K. Above $180K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $988
- Down payment (10%)
- $7K
- Cash to close (all-in)
- $10K
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 ~$10K)
Experience
Recent financings
- THE MAX OF OHIO, INC. in Westerville, OH — $67K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.35% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $33K (50%)
- Approval → funding
- 55 days
- Approved
- 11/14/2025
- First disbursed
- 1/8/2026
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- All Other Personal Services
Funded by The Huntington National Bank · Lender record →
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- THE MAX OF OHIO, INC. in Westerville, OH — $63K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.45% variable
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $48K (75%)
- Approval → funding
- 55 days
- Approved
- 11/14/2025
- First disbursed
- 1/8/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- All Other Personal Services
Funded by The Huntington National Bank · Lender record →
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- THE MAX CHALLENGE OF KATY, LLC in Houston, TX — $261K (2020) · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 55 months
- SBA guaranteed
- $196K (75%)
- Approval → funding
- 40 days
- Approved
- 10/21/2019
- First disbursed
- 11/30/2019
- Loan status
- Failed — $28K charged off (8/7/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Stearns Bank National Association · Lender record →
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- S A M FITNESS LLC in Fair Lawn, NJ — $180K (2020) · purchase · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 180 mo (15 yrs)
- SBA guaranteed
- $135K (75%)
- Approval → funding
- 5 days
- Approved
- 11/25/2019
- First disbursed
- 11/30/2019
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Fitness and Recreational Sports Centers
If you were the buyer here
- Est. deal size
- $200K
- Est. down payment (10%)
- $20K
- Est. cash at closing
- $27K
- Monthly payment
- $1,669
- Annual debt service
- $20K
- Cash flow needed (1.25×)
- $25K
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 Stearns Bank National Association · Lender record →
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- MV Wellness, INC in Cedar Grove, NJ — $50K (2020) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.99% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 5 days
- Approved
- 12/4/2019
- First disbursed
- 12/9/2019
- Loan status
- Paid in full (1/31/2023)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 1
- Industry
- Fitness and Recreational Sports Centers
Funded by Manufacturers and Traders Trust Company · Lender record →
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- MV Wellness, INC in Cedar Grove, NJ — $20K (2020) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $10K (50%)
- Approved
- 12/4/2019
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Unanswered
- Industry
- All Other Professional, Scientific, and Technical Services
Funded by Manufacturers and Traders Trust Company · Lender record →
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Who funds The Max Challenge — and where
Every dot is a financed The Max Challenge — 6 mapped.
Financed The Max Challenge locations — list all 6 as text
- THE MAX OF OHIO, INC. — Westerville · $63K · FY2026 · All Other Personal Services
- THE MAX OF OHIO, INC. — Westerville · $67K · FY2026 · All Other Personal Services
- THE MAX CHALLENGE OF KATY, LLC — Houston · $261K · FY2020 · Fitness and Recreational Sports Centers
- S A M FITNESS LLC — Fair Lawn · $180K · FY2020 · Fitness and Recreational Sports Centers
- MV Wellness, INC — Cedar Grove · $50K · FY2020 · Fitness and Recreational Sports Centers
- MV Wellness, INC — Cedar Grove · $20K · FY2020 · All Other Professional, Scientific, and Technical Services
Top lenders for this brand
Most active states
- 1.New Jersey (3 loans)
- 2.Ohio (2 loans)
- 3.Texas (1 loans)
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Common questions
How much does a The Max Challenge cost to buy or open?
The typical deal for The Max Challenge is $67K across 6 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $7K of buyer cash on a typical deal.
How risky is The Max Challenge?
The Max Challenge 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 The Max Challenge with an SBA loan?
Yes — The Max Challenge 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 The Max Challenge franchise
Most The Max Challenge 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 The Max Challenge deal financed for $67K, which points to about $7K of buyer cash on a typical purchase. The Max Challenge is listed in the SBA Franchise Directory (identifier S1772), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund The Max Challenge — 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 The Max Challenge — 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 The Max Challenge — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. The Max Challenge 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
- $67K typical deal
- 2 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S1772)
- Top lenders: The Huntington National Bank, Stearns Bank National Association, Manufacturers and Traders Trust Company
- 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 The Max Challenge.