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Fitness & Recreation · lender intelligence

How to finance a CycleBar

The SBA 7(a) lenders funding the most CycleBar deals, ranked from public loan records — typical CycleBar loan about $534K, 8.89% failure rate across 49 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance CycleBar

$534K

Typical loan

range $343K–$650K

$593K

Est. purchase price

≈ loan ÷ 90%

$79,358

Cash to close

$59,333 down + fees

$6,910/mo

Typical payment

~9.5% · 10yr

$95,358/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

91.1%

Still performing

8.9% default · FY20–23

36 days

Typical time to fund

26

Lenders competing

more = leverage

6.82%

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 CycleBar

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

  1. 1.2,539 loans · $965M · Columbus, OHFull record →
  2. 2.9 loans · $13M · Atlanta, GAFull record →
  3. 3.149 loans · $135M · Mukwonago, WIFull record →
  4. 4.104 loans · $100M · Portsmouth, VAFull record →
  5. 5.328 loans · $134M · Cleveland, OHFull record →
  6. 6.105 loans · $164M · Brookline, MAFull record →
  7. 7.38 loans · $26M · Richmond City, VAFull record →
  8. 8.28 loans · $35M · West Memphis, ARFull record →
  9. 9.75 loans · $98M · Sioux Falls, SDFull record →
  10. 10.2 loans · $1M · Minot, NDFull record →
  11. 11.5 loans · $3M · Saint Louis, MOFull record →
  12. 12.19 loans · $5M · Roseville, CAFull record →
  13. 13.575 loans · $220M · De Graff, OHFull record →
  14. 14.20 loans · $8M · Saint Petersburg, FLFull record →
  15. 15.66 loans · $68M · Milford, IAFull record →
  16. 16.10 loans · $3M · Perryville, MOFull record →
  17. 17.318 loans · $229M · Osage Beach, MOFull record →
  18. 18.34 loans · $26M · Kalispell, MTFull record →
  19. 19.5 loans · $4M · Fort Lauderdale, FLFull record →
  20. 20.28 loans · $42M · Lehi, UTFull record →
  21. 21.12 loans · $8M · Bakersfield, CAFull record →
  22. 22.18 loans · $24M · Madison, WIFull record →

49+ funded CycleBar 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.

  • On Holiday Inc. in Providence, RI — $343K (2026) · purchase · United Midwest Savings Bank National Association
  • CYCLEBAR - OVERLOOK in Portland, OR — $1.1M (2025) · First Bank of the Lake
  • AVALOS-HRNCIRIK GROUP, INC. in Richardson, TX — $120K (2025) · BayFirst National Bank
  • ZEUS CAPITAL FITNESS, LLC in Laguna Beach, CA — $45K (2024) · U.S. Bank, National Association
  • EKVirtUS LLC in San Jose, CA — $869K (2023) · Ameris Bank
  • AT Fitness, LLC in Ashburn, VA — $650K (2023) · Atlantic Union Bank
  • AT Fitness, LLC in Ashburn, VA — $650K (2023) · Atlantic Union Bank
  • GoCo Crew LLC in Austin, TX — $500K (2023) · Five Star Bank
  • WAM Fitness, LLC in Bozeman, MT — $492K (2023) · Glacier Bank
  • CSquared FTL, LLC in Fort Lauderdale, FL — $150K (2023) · Locality Bank
  • Amlin Fitness LLC in Cary, NC — $814K (2022) · The Huntington National Bank
  • JaneShirley Management Group, Inc. in Charlotte, NC — $675K (2022) · The Huntington National Bank
  • TRYCYCLE LLC in Columbia, MO — $611K (2022) · The Bank of Missouri
  • Pedal Storage & Ride Confident, Inc in Maynard, MA — $550K (2022) · Reading Co-Operative Bank
  • ECG Ventures Inc in Tyler, TX — $512K (2022) · LendingClub Bank, National Association
  • Renegade City, LLC in Tallahassee, FL — $487K (2022) · The Huntington National Bank
  • Move Your Feet, LLC in Westlake Village, CA — $200K (2022) · Mission Bank
  • M10 Fitness Holdings, Inc. in Perrysburg, OH — $87K (2022) · The Huntington National Bank
  • Renegade City, LLC in Tallahassee, FL — $40K (2022) · The Huntington National Bank
  • JaneShirley Management Group, Inc. in Charlotte, NC — $40K (2022) · The Huntington National Bank

Buying a CycleBar? 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.

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

Agent summary

How to finance a CycleBar 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. The Huntington National Bank funds the most. CapBench is not a lender.

  • $534K typical CycleBar loan
  • 8.89% failure rate (FY20–23)
  • 26 lenders fund the brand
  • 36 days typical to fund

Buyers researching a CycleBar 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 dealTalk to a loan brokerCycleBar 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/cyclebar
API:
https://www.capbench.com/api/public/lenders?franchise=cyclebar
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.
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