Fitness & Recreation · lender intelligence

How to finance a Ninja Nation

State:

The SBA 7(a) lenders funding the most Ninja Nation deals, ranked from public loan records — typical Ninja Nation loan about $1.2M. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Ninja Nation

$1.23M

Typical loan

range $300K–$1.50M

$1.37M

Est. purchase price

≈ loan ÷ 90%

$187,405

Cash to close

$136,667 down + fees

$15,916/mo

Typical payment

~9.5% · 10yr

$219,641/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

17 days

Typical time to fund

Lenders competing

more = leverage

10.13%

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 Ninja Nation

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

1.318 loans · $229M · Osage Beach, MOFull record →
2.36 loans · $51M · Carmel, INFull record →
3.62 loans · $34M · Winter Haven, FLFull record →
4.103 loans · $64M · Indiana, PAFull record →

8+ funded Ninja Nation 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.

Ninja Nation Mahoning Valley, LLC in Youngstown, OH — $1.2M (2025) · First Commonwealth Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$923K (75%)
Approval → funding
17 days
Approved
11/22/2024
First disbursed
12/9/2024
Loan status
Current
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 First Commonwealth Bank · Lender record →
Your business? Claim this record · Request removal
Ninja Nation Sonora Village in Scottsdale, AZ — $1.5M (2024) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
10.75% variable
Term
126 months
SBA guaranteed
$1.1M (75%)
Approval → funding
27 days
Approved
11/16/2023
First disbursed
12/13/2023
Loan status
Delinquent
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
19
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
SEA Change Enterprises Inc. in Spokane, WA — $1.2M (2024) · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$937K (75%)
Approval → funding
25 days
Approved
10/7/2023
First disbursed
11/1/2023
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
40
Business age
Startup, Loan Funds will Open Business
Industry
All Other Amusement and Recreation Industries
Funded by Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
SEA Change Enterprises Inc. in Spokane, WA — $300K (2024) · Merchants Bank of Indiana
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$225K (75%)
Approval → funding
6 days
Approved
7/23/2024
First disbursed
7/29/2024
Loan status
In workout — SBA bought the guarantee
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
20
Business age
New Business or 2 years or less
Industry
All Other Amusement and Recreation Industries
Funded by Merchants Bank of Indiana · Lender record →
Your business? Claim this record · Request removal
Ninja Nation Sonora Village in Scottsdale, AZ — $50K (2024) · First Bank of the Lake
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
11/16/2023
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
19
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
Chain and Sickle I LLC in Glendale, AZ — $2.0M (2023) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
126 months
SBA guaranteed
$1.5M (75%)
Approval → funding
3 days
Approved
6/27/2023
First disbursed
6/30/2023
Loan status
Past due
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 First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Chain and Sickle I LLC in Glendale, AZ — $25K (2023) · First Bank of the Lake
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
11% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
3 days
Approved
6/27/2023
First disbursed
6/30/2023
Loan status
Current
Loan type
Revolving line
Collateral
Not required
Business type
Corporation
Jobs supported
4
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
NINJA NATION CHARLOTTE LLC in Huntersville, NC — $1.2M (2021) · SouthState Bank, National Association
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
124 months
SBA guaranteed
$898K (75%)
Approval → funding
35 days
Approved
12/14/2020
First disbursed
1/18/2021
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
16
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by SouthState Bank, National Association · Lender record →
Your business? Claim this record · Request removal

Buying a Ninja Nation? 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.

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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Ninja Nation businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Ninja Nation 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. First Bank of the Lake funds the most. CapBench is not a lender.

$1.2M typical Ninja Nation loan
4 lenders fund the brand
17 days typical to fund

Buyers researching a Ninja Nation 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 Ninja Nation record

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.
Canonical:: https://www.capbench.com/lenders/franchise/ninja-nation
API:: https://www.capbench.com/api/public/lenders?franchise=ninja-nation
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.