Upgrade Labs, 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 S7374)
5 deals since 2020 · typical deal $600K
5
Deals since 2020
$600K
Typical deal
2
Deals since FY2025
—
Too few deals to score risk
What buyers pay for Upgrade Labs
Most Upgrade Labs deals financed between $525K and $1000K. Above $1000K, you're paying more than 75% of buyers did — make the seller earn it.
- Monthly payment (10-yr)
- $7,846
- Down payment (10%)
- $67K
- Cash to close (all-in)
- $89K
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 ~$89K)
Experience
Recent financings
- NeuroVita, LLC in Boulder, CO — $1.2M (2026) · Craft Bank
- Program
- 7a General
- Rate at approval
- 10% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $878K (75%)
- Approval → funding
- 56 days
- Approved
- 12/18/2025
- First disbursed
- 2/12/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Craft Bank · Lender record →
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- LKTR LLC in Park City, UT — $100K (2025) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (75%)
- Approval → funding
- 5 days
- Approved
- 3/21/2025
- First disbursed
- 3/26/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 17
- Business age
- New Business or 2 years or less
- Industry
- All Other Personal Services
Funded by Celtic Bank Corporation · Lender record →
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- LKTR LLC in Park City, UT — $1000K (2024) · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 126 months
- SBA guaranteed
- $750K (75%)
- Approval → funding
- 7 days
- Approved
- 6/7/2024
- First disbursed
- 6/14/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- All Other Personal Services
Funded by Celtic Bank Corporation · Lender record →
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- Biohacked Cda Corporation in Coeur D Alene, ID — $600K (2024) · Craft Bank
- Program
- 7a General
- Rate at approval
- 11.5% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $450K (75%)
- Approval → funding
- 129 days
- Approved
- 12/23/2023
- First disbursed
- 4/30/2024
- Loan status
- Paid in full (4/30/2025)
- 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 Craft Bank · Lender record →
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- Improved Physiology LLC in Riverton, UT — $525K (2023) · Craft Bank
- Program
- 7a General
- Rate at approval
- 9% variable
- Term
- 129 months
- SBA guaranteed
- $394K (75%)
- Approval → funding
- 17 days
- Approved
- 11/18/2022
- First disbursed
- 12/5/2022
- Loan status
- Paid in full (1/31/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Fitness and Recreational Sports Centers
Funded by Craft Bank · Lender record →
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Who funds Upgrade Labs — and where
Every dot is a financed Upgrade Labs — 5 mapped.
Financed Upgrade Labs locations — list all 5 as text
- Improved Physiology LLC — Riverton · $525K · FY2023 · Fitness and Recreational Sports Centers
- LKTR LLC — Park City · $1000K · FY2024 · All Other Personal Services
- NeuroVita, LLC — Boulder · $1.2M · FY2026 · Fitness and Recreational Sports Centers
- LKTR LLC — Park City · $100K · FY2025 · All Other Personal Services
- Biohacked Cda Corporation — Coeur D Alene · $600K · FY2024 · Fitness and Recreational Sports Centers
Top lenders for this brand
Most active states
- 1.Utah (3 loans)
- 2.Colorado (1 loans)
- 3.Idaho (1 loans)
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Common questions
How much does a Upgrade Labs cost to buy or open?
The typical deal for Upgrade Labs is $600K across 5 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $66K of buyer cash on a typical deal.
How risky is Upgrade Labs?
Upgrade Labs 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 Upgrade Labs with an SBA loan?
Yes — Upgrade Labs 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 Upgrade Labs franchise
Most Upgrade Labs 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 Upgrade Labs deal financed for $600K, which points to about $66K of buyer cash on a typical purchase. Upgrade Labs is listed in the SBA Franchise Directory (identifier S7374), so it's eligible to finance today — confirm current listing with your lender before the LOI. See the lenders that already fund Upgrade Labs — 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 Upgrade Labs — 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 Upgrade Labs — typical deal size, the lenders that fund the brand, geography, and failure-rate context — from CapBench SBA Intelligence. Upgrade Labs 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
- $600K typical deal
- 2 deals since FY2025
- Too few deals to score a reliable failure rate
- SBA Franchise Directory: listed (identifier S7374)
- Top lenders: Craft Bank, Celtic Bank Corporation
- 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 Upgrade Labs.