Fitness & Recreation · lender intelligence

How to finance a Crunch

State:

The SBA 7(a) lenders funding the most Crunch deals, ranked from public loan records — typical Crunch loan about $4.3M. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Crunch

$4.30M

Typical loan

range $2.41M–$4.92M

$4.78M

Est. purchase price

≈ loan ÷ 90%

$660,716

Cash to close

$477,778 down + fees

$55,641/mo

Typical payment

~9.5% · 10yr

$767,846/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

8 days

Typical time to fund

Lenders competing

more = leverage

7.04%

Avg rate on record

cap ~9.75%

Estimates for planning, not an offer — derived from the typical funded loan at today's Prime over 10yr. Not a credit decision.

Most active with Crunch

Ranked by funded Crunch loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.1,296 loans · $1.4B · Wilmington, NCFull record →
2.4 loans · $4M · Hauppauge, NYFull record →

4+ funded Crunch deals

Real SBA 7(a) acquisitions from public records — see who got funded, for how much, and by which lender. Tap any deal for the full record.

CF Inwood, LLC in New York, NY — $4.3M (2025) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
8.5% variable
Term
126 months
SBA guaranteed
$1.9M (45%)
Approved
5/8/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Existing or more than 2 years old
Industry
Fitness and Recreational Sports Centers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Crunch Marlboro in Morganville, NJ — $4.9M (2022) · BCB Community Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
306 months
SBA guaranteed
$3.7M (75%)
Approval → funding
8 days
Approved
8/18/2022
First disbursed
8/26/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
76
Business age
Existing or more than 2 years old
Industry
Fitness and Recreational Sports Centers
Funded by BCB Community Bank
Your business? Claim this record · Request removal
CR1 Fitness LLC in Louisville, KY — $2.4M (2021) · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
5.4% variable
Term
126 months
SBA guaranteed
$2.0M (85%)
Approval → funding
133 days
Approved
9/2/2021
First disbursed
1/13/2022
Loan status
Paid in full (9/30/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
70
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
Team Rock Fitness Inc. in Lake Grove, NY — $2.1M (2020) · Dime Community Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
121 months
SBA guaranteed
$1.6M (75%)
Approval → funding
4 days
Approved
6/22/2020
First disbursed
6/26/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by Dime Community Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Crunch? Start with a lender that has funded the brand

We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.

Free · No documents · Usually same-day

Backed by data on 1,000+ SBA lenders and 300,000+ funded deals. Your details go only to lending partners you ask to be matched with — never sold to advertisers.

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.

CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Crunch businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Crunch purchase with an SBA 7(a) loan: the lenders that fund the brand most (from public records), the typical loan size, and what it takes to qualify. Live Oak Banking Company funds the most. CapBench is not a lender.

$4.3M typical Crunch loan
3 lenders fund the brand
8 days typical to fund

Buyers researching a Crunch typically pre-qualify for SBA 7(a) financing next, then ask CapBench to introduce a lender that already funds the brand — free for buyers; agents can submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker Crunch record

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/lenders/franchise/crunch
API:: https://www.capbench.com/api/public/lenders?franchise=crunch
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.