Fitness & Recreation · lender intelligence
How to finance a Hotworx in Texas
The SBA 7(a) lenders funding the most Hotworx deals in Texas, 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 Texas
$350K
Typical loan
range $275K–$444K
$389K
Est. purchase price
≈ loan ÷ 90%
$52,014
Cash to close
$38,889 down + fees
$4,821/mo
Typical payment
~11% · 10yr
$66,530/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
98.8%
Still performing
1.2% default · FY20–23
20 days
Typical time to fund
41
Lenders competing
more = leverage
7.97%
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 Texas
Ranked by funded Hotworx loans in Texas. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.149 loans · $135M · Mukwonago, WIFull record →
- 3.60 loans · $40M · Clayton, MOFull record →
- 4.1 loans · $1M · Lincoln, NEFull record →
- 5.128 loans · $40M · Wilmington, DEFull record →
- 6.35 loans · $4M · San Antonio, TXFull record →
- 7.4 loans · $2M · Little Rock, ARFull record →
- 8.318 loans · $229M · Osage Beach, MOFull record →
- 9.23 loans · $30M · Stuart, FLFull record →
- 10.5 loans · $2M · Beresford, SDFull record →
- 11.105 loans · $72M · Wilmington, DEFull record →
- 12.62 loans · $21M · Saint Cloud, MNFull record →
- 13.28 loans · $35M · West Memphis, ARFull record →
- 14.242 loans · $281M · Chicago, ILFull record →
- 15.23 loans · $21M · Greenwood Village, COFull record →
- 16.66 loans · $68M · Milford, IAFull record →
- 17.79 loans · $53M · Gulfport, MSFull record →
- 18.38 loans · $21M · San Antonio, TXFull record →
- 19.26 loans · $31M · Baton Rouge, LAFull record →
- 20.102 loans · $119M · Saint Petersburg, FLFull record →
- 21.22 loans · $33M · Dallas, TXFull record →
- 22.1 loans · $0M · Houston, TXFull record →
- 23.4 loans · $3M · Dallas, TXFull record →
- 24.155 loans · $58M · Mountain View, ARFull record →
- 25.8 loans · $4M · Fredericksburg, TXFull record →
104+ funded Hotworx in Texas 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 Culture LLC in League City, TX — $502K (2026) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9% variable
- Term
- 124 months
- SBA guaranteed
- $376K (75%)
- Approved
- 3/13/2026
- Loan status
- Committed
- 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 Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- Sand Warrior LLC in Lake Jackson, TX — $487K (2026) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 124 months
- SBA guaranteed
- $365K (75%)
- Approved
- 3/31/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- 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
- HotFlex LBK South LLC in Lubbock, TX — $285K (2026) · Cornerstone Capital Bank SSB
- Program
- Preferred Lenders Program
- Rate at approval
- 8.25% variable
- Term
- 123 months
- SBA guaranteed
- $214K (75%)
- Approved
- 2/9/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 3
- Business age
- Existing or more than 2 years old
- Industry
- Fitness and Recreational Sports Centers
Funded by Cornerstone Capital Bank SSB · Lender record →
Your business? Claim this record · Request removal
- Hotworx Granbury in Granbury, TX — $685K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $513K (75%)
- Approval → funding
- 35 days
- Approved
- 9/26/2025
- First disbursed
- 10/31/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- 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
- Pure Grit Fitness, LLC in Tomball, TX — $545K (2025) · Texas Capital Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% variable
- Term
- 126 months
- SBA guaranteed
- $409K (75%)
- Approval → funding
- 13 days
- Approved
- 9/5/2025
- First disbursed
- 9/18/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Texas Capital Bank · Lender record →
Your business? Claim this record · Request removal
- Hotworx in Garland, TX — $525K (2025) · Climate First Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 126 months
- SBA guaranteed
- $394K (75%)
- Approved
- 7/14/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Climate First Bank · Lender record →
Your business? Claim this record · Request removal
- All Athletes Here Inc Profit Share Plan in Arlington, TX — $355K (2025) · purchase · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $266K (75%)
- Approval → funding
- 4 days
- Approved
- 2/28/2025
- First disbursed
- 3/4/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Fitness and Recreational Sports Centers
If you were the buyer here
- Est. deal size
- $394K
- Est. down payment (10%)
- $39K
- Est. cash at closing
- $53K
- Monthly payment
- $4,741
- Annual debt service
- $57K
- Cash flow needed (1.25×)
- $71K
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 Magnifi Financial CU · Lender record →
Your business? Claim this record · Request removal
- MD 99 Corp in Humble, TX — $350K (2025) · Wilmington Savings Fund Society FSB
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 22 days
- Approved
- 2/4/2025
- First disbursed
- 2/26/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Fitness and Recreational Sports Centers
Funded by Wilmington Savings Fund Society FSB · Lender record →
Your business? Claim this record · Request removal
- HTWX 2 LLC in Mission, TX — $633K (2024) · Lone Star National Bank
- Program
- 7a General
- Rate at approval
- 9.5% variable
- Term
- 96 mo (8 yrs)
- SBA guaranteed
- $475K (75%)
- Approval → funding
- 42 days
- Approved
- 3/15/2024
- First disbursed
- 4/26/2024
- Loan status
- Current
- 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 Lone Star National Bank
Your business? Claim this record · Request removal
- RCC Heat Works Inc in Richmond, TX — $500K (2024) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 125 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 22 days
- Approved
- 5/29/2024
- First disbursed
- 6/20/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- New Business or 2 years or less
- Industry
- Fitness and Recreational Sports Centers
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- Whitney and Ruiz L.L.C. in Taylor, TX — $500K (2024) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 126 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 6 days
- Approved
- 3/8/2024
- First disbursed
- 3/14/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- 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
- SweatZone Athletics LLC in League City, TX — $489K (2024) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 125 months
- SBA guaranteed
- $367K (75%)
- Approval → funding
- 25 days
- Approved
- 12/15/2023
- First disbursed
- 1/9/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 12
- Business age
- New Business or 2 years or less
- Industry
- Fitness and Recreational Sports Centers
Funded by Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- 2S and 2B LLC in Decatur, TX — $480K (2024) · Frost Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% fixed
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $360K (75%)
- Approval → funding
- 41 days
- Approved
- 5/10/2024
- First disbursed
- 6/20/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Frost Bank · Lender record →
Your business? Claim this record · Request removal
- CT4 Group Inc in La Marque, TX — $463K (2024) · Pinnacle Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 131 months
- SBA guaranteed
- $347K (75%)
- Approval → funding
- 68 days
- Approved
- 8/16/2024
- First disbursed
- 10/23/2024
- 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 Pinnacle Bank · Lender record →
Your business? Claim this record · Request removal
- KCH Integrity LLC in Roanoke, TX — $454K (2024) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $341K (75%)
- Approval → funding
- 22 days
- Approved
- 5/30/2024
- First disbursed
- 6/21/2024
- 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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Sweatin Texas2, LLC in Baytown, TX — $450K (2024) · Wilmington Savings Fund Society FSB
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $338K (75%)
- Approval → funding
- 15 days
- Approved
- 12/7/2023
- First disbursed
- 12/22/2023
- 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 Wilmington Savings Fund Society FSB · Lender record →
Your business? Claim this record · Request removal
- Ryan Kendrick Fitness, LLC in Austin, TX — $444K (2024) · Hancock Whitney Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 119 months
- SBA guaranteed
- $333K (75%)
- Approval → funding
- 93 days
- Approved
- 4/30/2024
- 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
- 4
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Hancock Whitney Bank · Lender record →
Your business? Claim this record · Request removal
- Hotworx in The Colony, TX — $424K (2024) · purchase · Midwest Regional Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $318K (75%)
- Approval → funding
- 39 days
- Approved
- 7/18/2024
- First disbursed
- 8/26/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Fitness and Recreational Sports Centers
If you were the buyer here
- Est. deal size
- $471K
- Est. down payment (10%)
- $47K
- Est. cash at closing
- $63K
- Monthly payment
- $5,901
- Annual debt service
- $71K
- Cash flow needed (1.25×)
- $89K
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 Midwest Regional Bank · Lender record →
Your business? Claim this record · Request removal
- Morgan Fit Inc. in Austin, TX — $388K (2024) · First Commonwealth Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $291K (75%)
- Approval → funding
- 6 days
- Approved
- 3/7/2024
- First disbursed
- 3/13/2024
- 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 First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
- K1 Worx LLC in Frisco, TX — $320K (2024) · purchase · b1BANK
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $240K (75%)
- Approval → funding
- 16 days
- Approved
- 5/28/2024
- First disbursed
- 6/13/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Change of Ownership
- Industry
- Fitness and Recreational Sports Centers
If you were the buyer here
- Est. deal size
- $356K
- Est. down payment (10%)
- $36K
- Est. cash at closing
- $48K
- Monthly payment
- $4,408
- Annual debt service
- $53K
- Cash flow needed (1.25×)
- $66K
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 b1BANK · Lender record →
Your business? Claim this record · Request removal
Buying a Hotworx in Texas? Start with a lender that funds them here
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CapBench analysis of public SBA 7(a) lending records; ranked by funded Hotworx loans with a Texas project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Hotworx purchase in Texas with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Texas deals. The Huntington National Bank funds the most here. CapBench is not a lender.
- $360K typical Hotworx loan
- 41 lenders active in Texas
- 104+ funded Texas deals
- 20 days typical to fund
Buyers buying a Hotworx in Texas 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.
- 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.
- 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.