Fitness & Recreation · lender intelligence

How to finance a Fitness Together

State:

The SBA 7(a) lenders funding the most Fitness Together deals, ranked from public loan records — typical Fitness Together loan about $126K. A bank that has funded the brand knows the model — faster approvals, better terms.

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

$126K

Typical loan

range $90K–$286K

$140K

Est. purchase price

≈ loan ÷ 90%

$18,032

Cash to close

$14,000 down + fees

$1,844/mo

Typical payment

~12.5% · 10yr

$25,447/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

24 days

Typical time to fund

Lenders competing

more = leverage

8.58%

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 Together

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

1.72 loans · $22M · Rockland, MAFull record →
2.1,025 loans · $292M · Berkeley Heights, NJFull record →
3.60 loans · $40M · Clayton, MOFull record →
4.34 loans · $12M · Wood River, NEFull record →
5.3 loans · $2M · Bethesda, MDFull record →

9+ funded Fitness Together 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.

Fitness Together in Boise, ID — $30K (2026) · Readycap Lending, LLC
Program
Preferred Lenders Program
Rate at approval
13.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$24K (80%)
Approved
1/21/2026
Loan status
Committed
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
2
Business age
Existing or more than 2 years old
Industry
Fitness and Recreational Sports Centers
Funded by Readycap Lending, LLC · Lender record →
Your business? Claim this record · Request removal
Mo-Fit, LLC in Westborough, MA — $126K (2024) · purchase · Rockland Trust Company
Program
Preferred Lenders Program
Rate at approval
7.24% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$107K (85%)
Approved
2/14/2024
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$140K
Est. down payment (10%)
$14K
Est. cash at closing
$18K
Monthly payment
$1,916
Annual debt service
$23K
Cash flow needed (1.25×)
$29K
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 Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal
Mo-Fit, LLC in Westborough, MA — $126K (2024) · purchase · Rockland Trust Company
Program
Preferred Lenders Program
Rate at approval
7.24% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$107K (85%)
Approval → funding
18 days
Approved
2/15/2024
First disbursed
3/4/2024
Loan status
Paid in full (11/30/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$140K
Est. down payment (10%)
$14K
Est. cash at closing
$18K
Monthly payment
$1,916
Annual debt service
$23K
Cash flow needed (1.25×)
$29K
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 Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal
LION CULTURE FITNESS L.L.C. in Novi, MI — $90K (2024) · JPMorgan Chase Bank, National Association
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
14.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$45K (50%)
Approval → funding
24 days
Approved
2/23/2024
First disbursed
3/18/2024
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
6
Business age
Existing or more than 2 years old
Industry
Other Personal Care Services
Funded by JPMorgan Chase Bank, National Association · Lender record →
Your business? Claim this record · Request removal
Mo-Fit, LLC in Westborough, MA — $20K (2024) · Rockland Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$10K (50%)
Approved
2/24/2024
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
New Business or 2 years or less
Industry
Fitness and Recreational Sports Centers
Funded by Rockland Trust Company · Lender record →
Your business? Claim this record · Request removal
WINGMAN FITNESS LLC in Seattle, WA — $300K (2023) · purchase · Heritage Bank
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
30 days
Approved
10/3/2022
First disbursed
11/2/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
1
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$333K
Est. down payment (10%)
$33K
Est. cash at closing
$45K
Monthly payment
$3,483
Annual debt service
$42K
Cash flow needed (1.25×)
$52K
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 Heritage Bank · Lender record →
Your business? Claim this record · Request removal
JLM Fitness LLC in Charlotte, NC — $241K (2023) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
7.25% fixed
Term
84 mo (7 yrs)
SBA guaranteed
$181K (75%)
Approval → funding
17 days
Approved
11/4/2022
First disbursed
11/21/2022
Loan status
Paid in full (6/30/2025)
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 Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
529 Fitness LLC in Bethesda, MD — $495K (2021) · purchase · EagleBank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$446K (90%)
Approval → funding
20 days
Approved
9/10/2021
First disbursed
9/30/2021
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
16
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$550K
Est. down payment (10%)
$55K
Est. cash at closing
$74K
Monthly payment
$5,311
Annual debt service
$64K
Cash flow needed (1.25×)
$80K
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 EagleBank · Lender record →
Your business? Claim this record · Request removal
Fitness Panther LLC in Scottsdale, AZ — $286K (2020) · Midwest Regional Bank
Program
7a General
Rate at approval
6% variable
Term
123 months
SBA guaranteed
$215K (75%)
Approval → funding
101 days
Approved
7/22/2020
First disbursed
10/31/2020
Loan status
Paid in full (6/30/2022)
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 Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Fitness Together? 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 Fitness Together businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Fitness Together 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. Rockland Trust Company funds the most. CapBench is not a lender.

$126K typical Fitness Together loan
7 lenders fund the brand
24 days typical to fund

Buyers researching a Fitness Together 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 Together record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-21.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/fitness-together
API:: https://www.capbench.com/api/public/lenders?franchise=fitness-together
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.