Fitness & Recreation · lender intelligence

How to finance a Hotworx in Alabama

State:

Arizona (7)California (27)Colorado (20)Connecticut (1)Florida (32)Georgia (26)Idaho (4)Illinois (21)Indiana (4)Iowa (15)Kansas (1)Kentucky (1)

The SBA 7(a) lenders funding the most Hotworx deals in Alabama, from public loan records — typical Hotworx loan about $360K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Hotworx in Alabama

$317K

Typical loan

range $143K–$350K

$352K

Est. purchase price

≈ loan ÷ 90%

$47,110

Cash to close

$35,222 down + fees

$4,367/mo

Typical payment

~11% · 10yr

$60,265/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

26 days

Typical time to fund

Lenders competing

more = leverage

8.07%

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 Hotworx in Alabama

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.31 loans · $44M · Passaic, NJFull record →
3.78 loans · $79M · New Orleans, LAFull record →
4.4 loans · $1M · Birmingham, ALFull record →

7+ funded Hotworx in Alabama 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.

RIS 3 Enterprises LLC in Fairhope, AL — $343K (2026) · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term
126 months
SBA guaranteed
$257K (75%)
Approved
1/27/2026
Loan status
Committed
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 Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
HottieHot0018 LLC in Prattville, AL — $358K (2023) · Valley National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$269K (75%)
Approval → funding
13 days
Approved
2/8/2023
First disbursed
2/21/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by Valley National Bank · Lender record →
Your business? Claim this record · Request removal
DSW Realty & Investments Corp. in Madison, AL — $317K (2023) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$238K (75%)
Approval → funding
7 days
Approved
6/9/2023
First disbursed
6/16/2023
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
DSW Realty & Investments Corp. in Madison, AL — $25K (2023) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
26 days
Approved
6/9/2023
First disbursed
7/5/2023
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
9
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
MMG Wellness LLC in Owens Cross Roads, AL — $350K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
4.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$263K (75%)
Approval → funding
5 days
Approved
2/23/2022
First disbursed
2/28/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
C4 Fitness LLC in Gulf Shores, AL — $143K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
84 mo (7 yrs)
SBA guaranteed
$122K (85%)
Approval → funding
57 days
Approved
3/29/2022
First disbursed
5/25/2022
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Missy and Gigi L.L.C. in Hoover, AL — $316K (2021) · SouthPoint Bank
Program
7a General
Rate at approval
6% variable
Term
126 months
SBA guaranteed
$237K (75%)
Approval → funding
216 days
Approved
10/2/2020
First disbursed
5/6/2021
Loan status
Paid in full (8/31/2025)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
7
Business age
New Business or 2 years or less
Industry
Fitness and Recreational Sports Centers
Funded by SouthPoint Bank · Lender record →
Your business? Claim this record · Request removal

Buying a Hotworx in Alabama? 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 Hotworx loans with a Alabama project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Hotworx purchase in Alabama with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Alabama deals. The Huntington National Bank funds the most here. CapBench is not a lender.

$360K typical Hotworx loan
4 lenders active in Alabama
7+ funded Alabama deals
26 days typical to fund

Buyers buying a Hotworx in Alabama 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 Hotworx lenders

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/hotworx/alabama
API:: https://www.capbench.com/api/public/lenders?franchise=hotworx&state=AL
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.