Fitness & Recreation · lender intelligence

How to finance a Rukus Cycling Studio

State:

The SBA 7(a) lenders funding the most Rukus Cycling Studio deals, ranked from public loan records — typical Rukus Cycling Studio loan about $623K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance Rukus Cycling Studio

$623K

Typical loan

range $586K–$671K

$692K

Est. purchase price

≈ loan ÷ 90%

$92,570

Cash to close

$69,211 down + fees

$8,060/mo

Typical payment

~9.5% · 10yr

$111,228/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

16 days

Typical time to fund

Lenders competing

more = leverage

5.85%

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 Rukus Cycling Studio

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

1.78 loans · $79M · New Orleans, LAFull record →
2.2,539 loans · $965M · Columbus, OHFull record →

5+ funded Rukus Cycling 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.

CMH Fitness LLC in Tampa, FL — $709K (2022) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
5.25% variable
Term
126 months
SBA guaranteed
$532K (75%)
Approval → funding
16 days
Approved
2/16/2022
First disbursed
3/4/2022
Loan status
In liquidation
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
18
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
CycleOps. Inc in Saint Johns, FL — $671K (2021) · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
83 months
SBA guaranteed
$604K (90%)
Approval → funding
12 days
Approved
2/10/2021
First disbursed
2/22/2021
Loan status
Failed — $40K charged off (8/16/2024)
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 Gulf Coast Bank and Trust Company · Lender record →
Your business? Claim this record · Request removal
Cycling Winder Garden, LLC in Winter Garden, FL — $623K (2021) · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
131 months
SBA guaranteed
$561K (90%)
Approval → funding
203 days
Approved
8/9/2021
First disbursed
2/28/2022
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
19
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
Kairos Moment LLC in Tyler, TX — $450K (2021) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
4.5% variable
Term
102 months
SBA guaranteed
$405K (90%)
Approval → funding
1 days
Approved
9/29/2021
First disbursed
9/30/2021
Loan status
Failed — $372K charged off (11/25/2024)
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
Rukus Dr. Phillips, LLC in Orlando, FL — $586K (2020) · Gulf Coast Bank and Trust Company
Program
Preferred Lenders Program
Rate at approval
7.5% variable
Term
97 months
SBA guaranteed
$440K (75%)
Approval → funding
37 days
Approved
1/23/2020
First disbursed
2/29/2020
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
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

Buying a Rukus Cycling Studio? 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.

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 loans to Rukus Cycling Studio businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Rukus Cycling 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. Gulf Coast Bank and Trust Company funds the most. CapBench is not a lender.

$623K typical Rukus Cycling Studio loan
2 lenders fund the brand
16 days typical to fund

Buyers researching a Rukus Cycling 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 Rukus Cycling Studio record

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-20.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/rukus-cycling-studio
API:: https://www.capbench.com/api/public/lenders?franchise=rukus-cycling-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.