Health & Medical · lender intelligence

How to finance a Perspire Sauna Studio

State:

The SBA 7(a) lenders funding the most Perspire Sauna Studio deals, ranked from public loan records — typical Perspire Sauna Studio loan about $420K, 0% failure rate across 69 loans. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Perspire Sauna Studio

$420K

Typical loan

range $50K–$553K

$467K

Est. purchase price

≈ loan ÷ 90%

$62,417

Cash to close

$46,667 down + fees

$5,435/mo

Typical payment

~9.5% · 10yr

$75,003/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

100.0%

Still performing

0% default · FY20–23

22 days

Typical time to fund

Lenders competing

more = leverage

9.19%

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 Perspire Sauna Studio

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

1.2,539 loans · $965M · Columbus, OHFull record →
2.318 loans · $229M · Osage Beach, MOFull record →
3.116 loans · $120M · Evansville, INFull record →
4.2 loans · $0M · Mccall, IDFull record →
5.15 loans · $10M · Grand Forks, NDFull record →
6.42 loans · $19M · Louisville, KYFull record →
7.618 loans · $171M · Salt Lake City, UTFull record →
8.9 loans · $13M · Atlanta, GAFull record →
9.18 loans · $24M · Madison, WIFull record →
10.46 loans · $85M · Salt Lake City, UTFull record →
11.46 loans · $47M · Asheville, NCFull record →
12.88 loans · $96M · Muncie, INFull record →

69+ funded Perspire Sauna Studio 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.

LV Wellness, LLC in Redmond, WA — $1.2M (2026) · Zions Bank, A Division of
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
120 mo (10 yrs)
SBA guaranteed
$890K (75%)
Approved
3/10/2026
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
10
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by Zions Bank, A Division of · Lender record →
Your business? Claim this record · Request removal
Perspire Sauna Studio Marina Del Rey in Marina Del Rey, CA — $900K (2026) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
8.75% variable
Term
132 mo (11 yrs)
SBA guaranteed
$675K (75%)
Approval → funding
19 days
Approved
12/12/2025
First disbursed
12/31/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
11
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
SANCT. SAUNA LLC in Shelter Island, NY — $787K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$590K (75%)
Approved
11/18/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
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
STP Enterprises LLC in Louisville, KY — $740K (2026) · Republic Bank & Trust Company
Program
Preferred Lenders Program
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$555K (75%)
Approved
12/15/2025
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
MOORER IMPACT LLC in Odessa, FL — $595K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9% variable
Term
132 mo (11 yrs)
SBA guaranteed
$446K (75%)
Approved
2/6/2026
Loan status
Committed
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
STP Enterprises LLC in Louisville, KY — $150K (2026) · Republic Bank & Trust Company
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
7.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$75K (50%)
Approved
12/15/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
3
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by Republic Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
SANCT. SAUNA LLC in Shelter Island, NY — $50K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
11/18/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
5
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
MOORER IMPACT LLC in Odessa, FL — $50K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
2/6/2026
Loan status
Committed
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
Perspire Sauna Studio Flatiron in New York, NY — $999K (2025) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
132 mo (11 yrs)
SBA guaranteed
$749K (75%)
Approval → funding
57 days
Approved
4/16/2025
First disbursed
6/12/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
18
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
Generational Wellness LLC in Middletown, NJ — $870K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$653K (75%)
Approval → funding
110 days
Approved
5/8/2025
First disbursed
8/26/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Wellness Elite LLC in Parker, CO — $751K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
132 mo (11 yrs)
SBA guaranteed
$563K (75%)
Approval → funding
10 days
Approved
4/7/2025
First disbursed
4/17/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
Cyclade Saunas, LLC in Bradenton, FL — $601K (2025) · Milestone Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
126 months
SBA guaranteed
$451K (75%)
Approval → funding
196 days
Approved
10/2/2024
First disbursed
4/16/2025
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
Other Personal Care Services
Funded by Milestone Bank · Lender record →
Your business? Claim this record · Request removal
Perspire Sauna Studio in Kenner, LA — $525K (2025) · HomeTrust Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
126 months
SBA guaranteed
$394K (75%)
Approved
12/18/2024
Loan status
Committed
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by HomeTrust Bank · Lender record →
Your business? Claim this record · Request removal
ROCKY MOUNTAIN VITALITY LLC in Westminster, CO — $500K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$375K (75%)
Approval → funding
234 days
Approved
5/19/2025
First disbursed
1/8/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
7
Business age
Startup, Loan Funds will Open Business
Industry
All Other Amusement and Recreation Industries
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
PHB Sweat LLC in West New York, NJ — $500K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10.25% variable
Term
129 months
SBA guaranteed
$375K (75%)
Approved
5/14/2025
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
SVEDA WELLNESS LLC in Delray Beach, FL — $498K (2025) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$373K (75%)
Approval → funding
65 days
Approved
4/1/2025
First disbursed
6/5/2025
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
5
Business age
Startup, Loan Funds will Open Business
Industry
Other Personal Care Services
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
SVEDA WELLNESS LLC in Delray Beach, FL — $50K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
212 days
Approved
4/1/2025
First disbursed
10/30/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
5
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
Wellness Elite LLC in Parker, CO — $50K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approval → funding
206 days
Approved
4/7/2025
First disbursed
10/30/2025
Loan status
Current
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
7
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
Generational Wellness LLC in Middletown, NJ — $50K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
9.75% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
5/8/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
8
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
PHB Sweat LLC in West New York, NJ — $50K (2025) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
5/14/2025
Loan status
Cancelled
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
4
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

Buying a Perspire Sauna Studio? Start with a lender that has funded the brand

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

Agent summary

How to finance a Perspire Sauna Studio 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. The Huntington National Bank funds the most. CapBench is not a lender.

$420K typical Perspire Sauna Studio loan
0% failure rate (FY20–23)
15 lenders fund the brand
22 days typical to fund

Buyers researching a Perspire Sauna Studio 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 Perspire Sauna Studio 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/perspire-sauna-studio
API:: https://www.capbench.com/api/public/lenders?franchise=perspire-sauna-studio
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.