Fitness & Recreation · lender intelligence
How to finance a F45 Training
The SBA 7(a) lenders funding the most F45 Training deals, ranked from public loan records — typical F45 Training loan about $295K, 2.99% failure rate across 166 loans. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance F45 Training
$295K
Typical loan
range $200K–$375K
$328K
Est. purchase price
≈ loan ÷ 90%
$43,841
Cash to close
$32,778 down + fees
$4,064/mo
Typical payment
~11% · 10yr
$56,083/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
97.0%
Still performing
3% default · FY20–23
26 days
Typical time to fund
67
Lenders competing
more = leverage
7.77%
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 F45 Training
Ranked by funded F45 Training loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.149 loans · $135M · Mukwonago, WIFull record →
- 3.62 loans · $21M · Saint Cloud, MNFull record →
- 4.24 loans · $21M · Raleigh, NCFull record →
- 5.83 loans · $31M · Sandy, UTFull record →
- 6.28 loans · $42M · Lehi, UTFull record →
- 7.26 loans · $42M · Chicago, ILFull record →
- 8.78 loans · $79M · New Orleans, LAFull record →
- 9.14 loans · $8M · Wolfforth, TXFull record →
- 10.1,927 loans · $207M · Buffalo, NYFull record →
- 11.328 loans · $134M · Cleveland, OHFull record →
- 12.1 loans · $0M · Saint Louis, MOFull record →
- 13.75 loans · $98M · Sioux Falls, SDFull record →
- 14.60 loans · $40M · Clayton, MOFull record →
- 15.18 loans · $6M · Oxford, MIFull record →
- 16.20 loans · $8M · Saint Petersburg, FLFull record →
- 17.1,296 loans · $1.4B · Wilmington, NCFull record →
- 18.7 loans · $11M · Mcleansboro, ILFull record →
- 19.318 loans · $229M · Osage Beach, MOFull record →
- 20.741 loans · $149M · Northbrook, ILFull record →
- 21.3,264 loans · $846M · Miami, FLFull record →
- 22.19 loans · $5M · Roseville, CAFull record →
- 23.12 loans · $8M · Bakersfield, CAFull record →
- 24.99 loans · $43M · Walla Walla, WAFull record →
- 25.1 loans · $1M · Lincoln, NEFull record →
166+ funded F45 Training 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.
- Catmar Midtown LLC in New York, NY — $350K (2026) · CenTrust Bank, A Division of SmartBiz Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 12/19/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Fitness and Recreational Sports Centers
Funded by CenTrust Bank, A Division of SmartBiz Bank National Association · Lender record →
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- Catmar Midtown LLC in New York, NY — $350K (2026) · CenTrust Bank, A Division of SmartBiz Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 2/27/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Fitness and Recreational Sports Centers
Funded by CenTrust Bank, A Division of SmartBiz Bank National Association · Lender record →
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- Sweat Garage LLC in North Brunswick, NJ — $200K (2026) · Magyar Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $150K (75%)
- Approval → funding
- 7 days
- Approved
- 12/16/2025
- First disbursed
- 12/23/2025
- Loan status
- Current
- 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 Magyar Bank · Lender record →
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- Koa Fit LLC in Solana Beach, CA — $150K (2026) · Newtek Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approved
- 12/30/2025
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Fitness and Recreational Sports Centers
Funded by Newtek Bank, National Association · Lender record →
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- Koa Fit LLC in Solana Beach, CA — $25K (2026) · Newtek Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 13.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 12/30/2025
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- Business age
- Existing or more than 2 years old
- Industry
- Fitness and Recreational Sports Centers
Funded by Newtek Bank, National Association · Lender record →
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- Aspen Investment Solutions LLC in Vancouver, WA — $695K (2025) · FWBank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 126 months
- SBA guaranteed
- $521K (75%)
- Approval → funding
- 108 days
- Approved
- 4/28/2025
- First disbursed
- 8/14/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Existing or more than 2 years old
- Industry
- Fitness and Recreational Sports Centers
Funded by FWBank · Lender record →
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- Functional Fitness LLC in Stafford, VA — $675K (2025) · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $506K (75%)
- Approval → funding
- 21 days
- Approved
- 2/14/2025
- First disbursed
- 3/7/2025
- 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 First National Bank of Pennsylvania · Lender record →
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- DT Fit LLC in San Mateo, CA — $627K (2025) · purchase · U.S. Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.56% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $470K (75%)
- Approval → funding
- 46 days
- Approved
- 12/20/2024
- First disbursed
- 2/4/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Change of Ownership
- Industry
- All Other Personal Services
If you were the buyer here
- Est. deal size
- $697K
- Est. down payment (10%)
- $70K
- Est. cash at closing
- $93K
- Monthly payment
- $7,797
- Annual debt service
- $94K
- Cash flow needed (1.25×)
- $117K
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 U.S. Bank, National Association · Lender record →
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- TDK FITNESS, INC. in Jacksonville, FL — $615K (2025) · FWBank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 125 months
- SBA guaranteed
- $461K (75%)
- Approval → funding
- 88 days
- Approved
- 9/25/2025
- First disbursed
- 12/22/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by FWBank · Lender record →
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- Coastal Performance St Petersburg LLC in Saint Petersburg, FL — $531K (2025) · Locality Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 126 months
- SBA guaranteed
- $398K (75%)
- Approval → funding
- 85 days
- Approved
- 4/24/2025
- First disbursed
- 7/18/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Locality Bank · Lender record →
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- SIGNORA FORTE, LLC in Barrington, IL — $445K (2025) · FWBank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 126 months
- SBA guaranteed
- $334K (75%)
- Approval → funding
- 70 days
- Approved
- 5/21/2025
- First disbursed
- 7/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- Fitness and Recreational Sports Centers
Funded by FWBank · Lender record →
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- MHF Hamburg, LLC in Lexington, KY — $439K (2025) · Atlantic Union Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 127 months
- SBA guaranteed
- $329K (75%)
- Approval → funding
- 210 days
- Approved
- 3/20/2025
- First disbursed
- 10/16/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Atlantic Union Bank · Lender record →
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- F45 Training Alhambra CA in Alhambra, CA — $250K (2025) · East West Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $188K (75%)
- Approval → funding
- 13 days
- Approved
- 6/12/2025
- First disbursed
- 6/25/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Existing or more than 2 years old
- Industry
- Fitness and Recreational Sports Centers
Funded by East West Bank · Lender record →
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- F45 Training Legacy Trail in Tyler, TX — $218K (2025) · Security State Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $164K (75%)
- Approval → funding
- 70 days
- Approved
- 6/25/2025
- First disbursed
- 9/3/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 11
- Business age
- Existing or more than 2 years old
- Industry
- Fitness and Recreational Sports Centers
Funded by Security State Bank and Trust · Lender record →
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- FUNCTIONAL FITNESS GROUP IV LLC in Brick Township, NJ — $180K (2025) · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 111 months
- SBA guaranteed
- $135K (75%)
- Approval → funding
- 6 days
- Approved
- 5/28/2025
- First disbursed
- 6/3/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- New Business or 2 years or less
- Industry
- Fitness and Recreational Sports Centers
Funded by Stearns Bank National Association · Lender record →
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- Catmar Midtown LLC in New York, NY — $150K (2025) · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.99% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 7 days
- Approved
- 6/30/2025
- First disbursed
- 7/7/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 22
- Business age
- Existing or more than 2 years old
- Industry
- Fitness and Recreational Sports Centers
Funded by Live Oak Banking Company · Lender record →
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- F45 Training Carle Place in Seaford, NY — $150K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 13.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 32 days
- Approved
- 9/29/2025
- First disbursed
- 10/31/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 30
- Business age
- Existing or more than 2 years old
- Industry
- Fitness and Recreational Sports Centers
Funded by First Bank of the Lake · Lender record →
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- Big Red Visalia, LLC in Visalia, CA — $150K (2025) · Mission Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $75K (50%)
- Approval → funding
- 8 days
- Approved
- 12/26/2024
- First disbursed
- 1/3/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Mission Bank · Lender record →
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- Etch Fitness Limited Liability Company in Minneapolis, MN — $914K (2024) · purchase · Drake Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $685K (75%)
- Approval → funding
- 29 days
- Approved
- 7/10/2024
- First disbursed
- 8/8/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 9
- Business age
- Change of Ownership
- Industry
- All Other Personal Services
If you were the buyer here
- Est. deal size
- $1.0M
- Est. down payment (10%)
- $102K
- Est. cash at closing
- $139K
- Monthly payment
- $12,455
- Annual debt service
- $149K
- Cash flow needed (1.25×)
- $187K
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 Drake Bank · Lender record →
Your business? Claim this record · Request removal
- KB Fitness South Lamar, LLC in Austin, TX — $625K (2024) · FWBank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 129 months
- SBA guaranteed
- $469K (75%)
- Approval → funding
- 561 days
- Approved
- 11/16/2023
- First disbursed
- 5/30/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by FWBank · Lender record →
Your business? Claim this record · Request removal
Buying a F45 Training? Start with a lender that has funded the brand
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to F45 Training businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a F45 Training 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.
- $295K typical F45 Training loan
- 2.99% failure rate (FY20–23)
- 67 lenders fund the brand
- 26 days typical to fund
Buyers researching a F45 Training 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.
- 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.