Fitness & Recreation · lender intelligence
How to finance a Gold's Gym
The SBA 7(a) lenders funding the most Gold's Gym deals, ranked from public loan records — typical Gold's Gym loan about $1.3M. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Gold's Gym
$1.35M
Typical loan
range $850K–$1.73M
$1.50M
Est. purchase price
≈ loan ÷ 90%
$205,025
Cash to close
$149,500 down + fees
$17,410/mo
Typical payment
~9.5% · 10yr
$240,258/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
23 days
Typical time to fund
6
Lenders competing
more = leverage
8.38%
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 Gold's Gym
Ranked by funded Gold's Gym loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.1,025 loans · $292M · Berkeley Heights, NJFull record →
- 2.9 loans · $6M · Santa Cruz, CAFull record →
- 3.138 loans · $276M · Sioux Falls, SDFull record →
- 4.28 loans · $42M · Lehi, UTFull record →
- 5.318 loans · $229M · Osage Beach, MOFull record →
6+ funded Gold's Gym 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.
- HELIX2 Fitness HM LLC in Dacula, GA — $2.0M (2026) · Readycap Lending, LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.5M (75%)
- Approved
- 11/18/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Fitness and Recreational Sports Centers
Funded by Readycap Lending, LLC · Lender record →
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- Bridgewater Fitness LLC in Bridgewater, NJ — $1.7M (2025) · purchase · Pathward National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.3M (75%)
- Approval → funding
- 23 days
- Approved
- 12/11/2024
- First disbursed
- 1/3/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 50
- Business age
- Change of Ownership
- Industry
- Fitness and Recreational Sports Centers
If you were the buyer here
- Est. deal size
- $1.9M
- Est. down payment (10%)
- $192K
- Est. cash at closing
- $264K
- Monthly payment
- $22,796
- Annual debt service
- $274K
- Cash flow needed (1.25×)
- $342K
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 Pathward National Association · Lender record →
Your business? Claim this record · Request removal
- GGNorCal LLC in Milpitas, CA — $800K (2024) · West Coast Community Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $600K (75%)
- Approved
- 11/22/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 16
- Business age
- New Business or 2 years or less
- Industry
- Fitness and Recreational Sports Centers
Funded by West Coast Community Bank · Lender record →
Your business? Claim this record · Request removal
- Bergen Fitness Inc. in Teterboro, NJ — $1.3M (2020) · purchase · First Commerce Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $1.0M (75%)
- Approval → funding
- 26 days
- Approved
- 2/3/2020
- First disbursed
- 2/29/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Change of Ownership
- Industry
- Fitness and Recreational Sports Centers
If you were the buyer here
- Est. deal size
- $1.5M
- Est. down payment (10%)
- $150K
- Est. cash at closing
- $205K
- Monthly payment
- $15,107
- Annual debt service
- $181K
- Cash flow needed (1.25×)
- $227K
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 First Commerce Bank
Your business? Claim this record · Request removal
- East Tennessee Fitness LLC in Knoxville, TN — $1.2M (2020) · purchase · LendingClub Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 121 months
- SBA guaranteed
- $926K (75%)
- Approval → funding
- 22 days
- Approved
- 10/9/2019
- First disbursed
- 10/31/2019
- Loan status
- Paid in full (4/30/2022)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 208
- Business age
- Change of Ownership
- Industry
- Fitness and Recreational Sports Centers
If you were the buyer here
- Est. deal size
- $1.4M
- Est. down payment (10%)
- $137K
- Est. cash at closing
- $188K
- Monthly payment
- $14,258
- Annual debt service
- $171K
- Cash flow needed (1.25×)
- $214K
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 LendingClub Bank, National Association · Lender record →
Your business? Claim this record · Request removal
- MK Muscle Beach LLC in Fuquay Varina, NC — $850K (2020) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 126 months
- SBA guaranteed
- $638K (75%)
- Approval → funding
- 4 days
- Approved
- 3/27/2020
- First disbursed
- 3/31/2020
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 35
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Buying a Gold's Gym? 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Gold's Gym businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Gold's Gym 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. Readycap Lending, LLC funds the most. CapBench is not a lender.
- $1.3M typical Gold's Gym loan
- 6 lenders fund the brand
- 23 days typical to fund
Buyers researching a Gold's Gym 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 2026-06-24.
- 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.