Fitness & Recreation · lender intelligence

How to finance a F45 Training in California

State:

The SBA 7(a) lenders funding the most F45 Training deals in California, from public loan records — typical F45 Training loan about $295K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance F45 Training in California

$312K

Typical loan

range $200K–$400K

$347K

Est. purchase price

≈ loan ÷ 90%

$46,367

Cash to close

$34,667 down + fees

$4,298/mo

Typical payment

~11% · 10yr

$59,312/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

39 days

Typical time to fund

Lenders competing

more = leverage

8.75%

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 in California

Ranked by funded F45 Training loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.

1.24 loans · $21M · Raleigh, NCFull record →
2.3,264 loans · $846M · Miami, FLFull record →
3.12 loans · $8M · Bakersfield, CAFull record →
4.154 loans · $26M · San Diego, CAFull record →
5.26 loans · $42M · Chicago, ILFull record →
6.101 loans · $81M · Pasadena, CAFull record →
7.5 loans · $1M · Santa Rosa, CAFull record →
8.75 loans · $98M · Sioux Falls, SDFull record →
9.128 loans · $40M · Wilmington, DEFull record →
10.33 loans · $15M · Minneapolis, MNFull record →
11.7 loans · $8M · New York, NYFull record →

18+ funded F45 Training in California 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.

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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
Fitcal 01, LLC in San Francisco, CA — $495K (2024) · Western State Bank
Program
7a General
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$371K (75%)
Approval → funding
206 days
Approved
2/2/2024
First disbursed
8/26/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
13
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by Western State Bank
Your business? Claim this record · Request removal
JOEY 45 in San Diego, CA — $400K (2024) · FWBank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
123 months
SBA guaranteed
$300K (75%)
Approval → funding
208 days
Approved
5/8/2024
First disbursed
12/2/2024
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
Fitness and Recreational Sports Centers
Funded by FWBank · Lender record →
Your business? Claim this record · Request removal
F45 Training Pasadena in Pasadena, CA — $240K (2024) · purchase · The Bancorp Bank National Association
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
116 months
SBA guaranteed
$180K (75%)
Approval → funding
100 days
Approved
3/13/2024
First disbursed
6/21/2024
Loan status
Paid in full (12/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$267K
Est. down payment (10%)
$27K
Est. cash at closing
$36K
Monthly payment
$3,170
Annual debt service
$38K
Cash flow needed (1.25×)
$48K
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 The Bancorp Bank National Association · Lender record →
Your business? Claim this record · Request removal
July Creations, Inc. in Bakersfield, CA — $600K (2023) · Mission Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$450K (75%)
Approval → funding
24 days
Approved
8/12/2023
First disbursed
9/5/2023
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
Fitness and Recreational Sports Centers
Funded by Mission Bank · Lender record →
Your business? Claim this record · Request removal
Level Up Fitness LLC in Dana Point, CA — $100K (2023) · purchase · CDC Small Business Finance Corp.
Program
Community Advantage Initiative
Subprogram
Community Advantage Initiative
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$85K (85%)
Approval → funding
19 days
Approved
10/19/2022
First disbursed
11/7/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$111K
Est. down payment (10%)
$11K
Est. cash at closing
$14K
Monthly payment
$1,378
Annual debt service
$17K
Cash flow needed (1.25×)
$21K
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 CDC Small Business Finance Corp. · Lender record →
Your business? Claim this record · Request removal
Alleycat Enterprises LLC in San Rafael, CA — $350K (2021) · Redwood CU
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
7 days
Approved
11/23/2020
First disbursed
11/30/2020
Loan status
Paid in full (10/31/2022)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by Redwood CU · Lender record →
Your business? Claim this record · Request removal
True HIIT LLC in Corte Madera, CA — $520K (2020) · PNC Bank, National Association
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$390K (75%)
Approval → funding
286 days
Approved
11/19/2019
First disbursed
8/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by PNC Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Banes Performance, LLC in Santa Ana, CA — $345K (2020) · CRF Small Business Loan Company, LLC
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
81 months
SBA guaranteed
$259K (75%)
Approval → funding
20 days
Approved
12/19/2019
First disbursed
1/8/2020
Loan status
In workout — SBA bought the guarantee
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 CRF Small Business Loan Company, LLC · Lender record →
Your business? Claim this record · Request removal
Coonradt Enterprises LLC in Murrieta, CA — $312K (2020) · North State Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
124 months
SBA guaranteed
$234K (75%)
Approved
4/23/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by North State Bank · Lender record →
Your business? Claim this record · Request removal
Coonradt Enterprises LLC in Murrieta, CA — $312K (2020) · North State Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
124 months
SBA guaranteed
$234K (75%)
Approval → funding
35 days
Approved
7/27/2020
First disbursed
8/31/2020
Loan status
Paid in full (3/31/2025)
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 North State Bank · Lender record →
Your business? Claim this record · Request removal
DnA HIIT LLC in Burbank, CA — $300K (2020) · North State Bank
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
124 months
SBA guaranteed
$225K (75%)
Approval → funding
105 days
Approved
3/17/2020
First disbursed
6/30/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by North State Bank · Lender record →
Your business? Claim this record · Request removal
TEAM DOWELL FITNESS INC. in Ventura, CA — $250K (2020) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
7.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$188K (75%)
Approved
10/7/2019
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
PK Fitness Ventures LLC in Morgan Hill, CA — $200K (2020) · Grow America Fund, Incorporated
Program
7a General
Rate at approval
6.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$150K (75%)
Approval → funding
39 days
Approved
1/21/2020
First disbursed
2/29/2020
Loan status
Paid in full (9/30/2020)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
16
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by Grow America Fund, Incorporated · Lender record →
Your business? Claim this record · Request removal

Buying a F45 Training in California? Start with a lender that funds them here

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

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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.

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CapBench analysis of public SBA 7(a) lending records; ranked by funded F45 Training loans with a California project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a F45 Training purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. North State Bank funds the most here. CapBench is not a lender.

$295K typical F45 Training loan
14 lenders active in California
18+ funded California deals
39 days typical to fund

Buyers buying a F45 Training in California typically pre-qualify, then ask CapBench to introduce a lender already funding the brand here — free for buyers; agents submit a consented lead via the CapBench MCP.

Next steps

Pre-qualify this deal Talk to a loan broker All F45 Training lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-19.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/f45-training/california
API:: https://www.capbench.com/api/public/lenders?franchise=f45-training
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.