Fitness & Recreation · lender intelligence

How to finance a Fitness 1440

State:

Alabama (1)Georgia (3)Pennsylvania (1)Tennessee (2)

The SBA 7(a) lenders funding the most Fitness 1440 deals, ranked from public loan records — typical Fitness 1440 loan about $243K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Fitness 1440

$243K

Typical loan

range $179K–$400K

$270K

Est. purchase price

≈ loan ÷ 90%

$36,113

Cash to close

$27,000 down + fees

$3,557/mo

Typical payment

~12.5% · 10yr

$49,087/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

37 days

Typical time to fund

Lenders competing

more = leverage

7.5%

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 Fitness 1440

Ranked by funded Fitness 1440 loans. Tap a lender to open its full record, or hit Get in touch for an introduction.

1.242 loans · $281M · Chicago, ILFull record →
2.33 loans · $15M · Minneapolis, MNFull record →
3.149 loans · $135M · Mukwonago, WIFull record →
4.2 loans · $0M · State Center, IAFull record →

7+ funded Fitness 1440 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.

Tennessee Muscle, LLC in White House, TN — $179K (2024) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
124 months
SBA guaranteed
$134K (75%)
Approval → funding
43 days
Approved
7/9/2024
First disbursed
8/21/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
New Business or 2 years or less
Industry
Fitness and Recreational Sports Centers
Funded by Byline Bank · Lender record →
Your business? Claim this record · Request removal
Tennessee Muscle, LLC in White House, TN — $551K (2022) · Byline Bank
Program
Preferred Lenders Program
Rate at approval
8.25% variable
Term
124 months
SBA guaranteed
$413K (75%)
Approval → funding
29 days
Approved
9/6/2022
First disbursed
10/5/2022
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 Byline Bank · Lender record →
Your business? Claim this record · Request removal
Transformative Enterprises, LLC in Conyers, GA — $317K (2021) · Citizens Bank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$238K (75%)
Approval → funding
5 days
Approved
10/26/2020
First disbursed
10/31/2020
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 Citizens Bank · Lender record →
Your business? Claim this record · Request removal
Iron Works LLC in Hueytown, AL — $96K (2021) · Central State Bank
Program
7a General
Rate at approval
6% variable
Term
84 mo (7 yrs)
SBA guaranteed
$86K (90%)
Approval → funding
53 days
Approved
8/9/2021
First disbursed
10/1/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Jobs supported
21
Business age
Existing or more than 2 years old
Industry
All Other Personal Services
Funded by Central State Bank · Lender record →
Your business? Claim this record · Request removal
Transformative Enterprises, LLC in Conyers, GA — $400K (2020) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
123 months
SBA guaranteed
$300K (75%)
Approved
3/2/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Unanswered
Industry
Fitness and Recreational Sports Centers
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
Shaw, Ltd. in Pottstown, PA — $243K (2020) · Newtek Small Business Finance, Inc.
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$182K (75%)
Approval → funding
37 days
Approved
1/23/2020
First disbursed
2/29/2020
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Partnership
Secondary market
Loan sold to investors
Jobs supported
10
Business age
Unanswered
Industry
Fitness and Recreational Sports Centers
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
GACO Fitness LLC in Marietta, GA — $227K (2020) · purchase · CRF Small Business Loan Company, LLC
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
86 months
SBA guaranteed
$170K (75%)
Approval → funding
2 days
Approved
9/14/2020
First disbursed
9/16/2020
Loan status
Paid in full (11/30/2023)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
15
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$252K
Est. down payment (10%)
$25K
Est. cash at closing
$34K
Monthly payment
$3,254
Annual debt service
$39K
Cash flow needed (1.25×)
$49K
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 CRF Small Business Loan Company, LLC · Lender record →
Your business? Claim this record · Request removal

Buying a Fitness 1440? 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.

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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 loans to Fitness 1440 businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Fitness 1440 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. Byline Bank funds the most. CapBench is not a lender.

$243K typical Fitness 1440 loan
5 lenders fund the brand
37 days typical to fund

Buyers researching a Fitness 1440 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 Fitness 1440 record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-22.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/fitness-1440
API:: https://www.capbench.com/api/public/lenders?franchise=fitness-1440
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.