Fitness & Recreation · lender intelligence

How to finance a F45 Training in New Jersey

State:

The SBA 7(a) lenders funding the most F45 Training deals in New Jersey, 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 New Jersey

$298K

Typical loan

range $183K–$350K

$331K

Est. purchase price

≈ loan ÷ 90%

$44,227

Cash to close

$33,067 down + fees

$4,099/mo

Typical payment

~11% · 10yr

$56,566/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

7 days

Typical time to fund

Lenders competing

more = leverage

8.24%

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 New Jersey

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

1.149 loans · $135M · Mukwonago, WIFull record →
2.62 loans · $21M · Saint Cloud, MNFull record →
3.1,296 loans · $1.4B · Wilmington, NCFull record →
4.11 loans · $7M · New Brunswick, NJFull record →
5.1,322 loans · $185M · Wilmington, DEFull record →

8+ funded F45 Training in New Jersey 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.

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 →
Your business? Claim this record · Request removal
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 →
Your business? Claim this record · Request removal
FUNCTIONAL FITNESS GROUP III LLC in Manalapan, NJ — $183K (2024) · Stearns Bank National Association
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
108 mo (9 yrs)
SBA guaranteed
$137K (75%)
Approval → funding
2 days
Approved
7/30/2024
First disbursed
8/1/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
Alimag Inc in Cresskill, NJ — $1.5M (2023) · Bank of America, National Association
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
321 months
SBA guaranteed
$1.1M (75%)
Approval → funding
3 days
Approved
7/24/2023
First disbursed
7/27/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
New Business or 2 years or less
Industry
Fitness and Recreational Sports Centers
Funded by Bank of America, National Association · Lender record →
Your business? Claim this record · Request removal
F45 Cranford in Cranford, NJ — $350K (2023) · purchase · Live Oak Banking Company
Program
Preferred Lenders Program
Rate at approval
9.4% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
7 days
Approved
1/23/2023
First disbursed
1/30/2023
Loan status
Paid in full (4/30/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$389K
Est. down payment (10%)
$39K
Est. cash at closing
$52K
Monthly payment
$4,510
Annual debt service
$54K
Cash flow needed (1.25×)
$68K
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 Live Oak Banking Company · Lender record →
Your business? Claim this record · Request removal
A & L Ventures LLC in Flemington, NJ — $150K (2022) · TD Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
4.99% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$75K (50%)
Approval → funding
6 days
Approved
5/4/2022
First disbursed
5/10/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
New Business or 2 years or less
Industry
Fitness and Recreational Sports Centers
Funded by TD Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Fit4Lifetime LLC in Edison, NJ — $298K (2021) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
123 months
SBA guaranteed
$223K (75%)
Approval → funding
21 days
Approved
12/10/2020
First disbursed
12/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Functional Fitness Group II LLC in Holmdel, NJ — $328K (2020) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
122 months
SBA guaranteed
$246K (75%)
Approval → funding
49 days
Approved
8/12/2020
First disbursed
9/30/2020
Loan status
Paid in full (3/31/2023)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
14
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal

Buying a F45 Training in New Jersey? 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.

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 F45 Training loans with a New Jersey project address. Mega-bank call-center lenders excluded.

Agent summary

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

$295K typical F45 Training loan
6 lenders active in New Jersey
8+ funded New Jersey deals
7 days typical to fund

Buyers buying a F45 Training in New Jersey 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 2026-06-17.
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/new-jersey
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.