Fitness & Recreation · lender intelligence
How to finance a Hotworx in Virginia
The SBA 7(a) lenders funding the most Hotworx deals in Virginia, 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 Virginia
$500K
Typical loan
range $378K–$500K
$556K
Est. purchase price
≈ loan ÷ 90%
$74,306
Cash to close
$55,556 down + fees
$6,470/mo
Typical payment
~9.5% · 10yr
$89,286/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
21 days
Typical time to fund
4
Lenders competing
more = leverage
10.5%
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 Hotworx in Virginia
Ranked by funded Hotworx loans in Virginia. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.149 loans · $135M · Mukwonago, WIFull record →
- 2.2,539 loans · $965M · Columbus, OHFull record →
- 3.318 loans · $229M · Osage Beach, MOFull record →
- 4.47 loans · $39M · Greenville, PAFull record →
12+ funded Hotworx in Virginia 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.
- HOTWORX VA0029 in Hampton, VA — $685K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $514K (75%)
- Approval → funding
- 4 days
- Approved
- 2/3/2025
- First disbursed
- 2/7/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by First Bank of the Lake · Lender record →
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- Forge & Flow LLC in Virginia Beach, VA — $500K (2025) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 124 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 24 days
- Approved
- 3/18/2025
- First disbursed
- 4/11/2025
- 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 Citizens Bank · Lender record →
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- ThermalTone LLC in Chesapeake, VA — $500K (2025) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 124 months
- SBA guaranteed
- $375K (75%)
- Approved
- 3/25/2025
- Loan status
- Cancelled
- 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
- Garrett Ferris LLC in Manassas, VA — $500K (2025) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 123 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 55 days
- Approved
- 5/14/2025
- First disbursed
- 7/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 2
- 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
- Semper Wellness Ventures Inc. in Stafford, VA — $500K (2024) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 124 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 30 days
- Approved
- 5/1/2024
- First disbursed
- 5/31/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- 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
- Marve Enterprises LLC in Roanoke, VA — $500K (2024) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 124 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 21 days
- Approved
- 3/22/2024
- First disbursed
- 4/12/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not 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 →
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- DNL Performance LLC in Virginia Beach, VA — $484K (2024) · Citizens Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 124 months
- SBA guaranteed
- $363K (75%)
- Approval → funding
- 42 days
- Approved
- 3/8/2024
- First disbursed
- 4/19/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Not 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 Citizens Bank · Lender record →
Your business? Claim this record · Request removal
- Forever4U Inc. in Leesburg, VA — $540K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $405K (75%)
- Approval → funding
- 1 days
- Approved
- 2/28/2023
- First disbursed
- 3/1/2023
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Not 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
- MAVANO Corporation in Virginia Beach, VA — $378K (2023) · First National Bank of Pennsylvania
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $284K (75%)
- Approval → funding
- 9 days
- Approved
- 6/27/2023
- First disbursed
- 7/6/2023
- Loan status
- Current
- 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 First National Bank of Pennsylvania · Lender record →
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- SchwartzWorx LLC in Chantilly, VA — $318K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $239K (75%)
- Approval → funding
- 2 days
- Approved
- 3/8/2023
- First disbursed
- 3/10/2023
- 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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Forever4U Inc. in Leesburg, VA — $40K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $20K (50%)
- Approval → funding
- 7 days
- Approved
- 2/28/2023
- First disbursed
- 3/7/2023
- Loan status
- Delinquent
- Loan type
- Revolving line
- Collateral
- Not 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
- SchwartzWorx LLC in Chantilly, VA — $30K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $15K (50%)
- Approval → funding
- 27 days
- Approved
- 3/8/2023
- First disbursed
- 4/4/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- 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
Buying a Hotworx in Virginia? 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.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded Hotworx loans with a Virginia project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Hotworx purchase in Virginia with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Virginia deals. Citizens Bank funds the most here. CapBench is not a lender.
- $360K typical Hotworx loan
- 4 lenders active in Virginia
- 12+ funded Virginia deals
- 21 days typical to fund
Buyers buying a Hotworx in Virginia 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 2026-06-22.
- 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.