Fitness & Recreation · lender intelligence

How to finance a Rush Cycle in California

State:

The SBA 7(a) lenders funding the most Rush Cycle deals in California, from public loan records — typical Rush Cycle loan about $390K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Rush Cycle in California

$390K

Typical loan

range $390K–$390K

$433K

Est. purchase price

≈ loan ÷ 90%

$57,958

Cash to close

$43,333 down + fees

$5,047/mo

Typical payment

~9.5% · 10yr

$69,649/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

Lenders competing

more = leverage

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 Rush Cycle in California

Ranked by funded Rush Cycle loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.

1.66 loans · $68M · Milford, IAFull record →

1+ funded Rush Cycle in California 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.

P & A Whole Fitness, Inc. in Chico, CA — $390K (2020) · United Community Bank
Program
Preferred Lenders Program
Rate at approval
7% variable
Term
124 months
SBA guaranteed
$293K (75%)
Approved
2/26/2020
Loan status
Cancelled
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
20
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by United Community Bank · Lender record →
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Buying a Rush Cycle in California? 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.

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 Rush Cycle loans with a California project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Rush Cycle purchase in California with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded California deals. United Community Bank funds the most here. CapBench is not a lender.

$390K typical Rush Cycle loan
1 lenders active in California
1+ funded California deals

Buyers buying a Rush Cycle in California 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.

Next steps

Pre-qualify this deal Talk to a loan broker All Rush Cycle lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-08-02.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/rush-cycle/california
API:: https://www.capbench.com/api/public/lenders?franchise=rush-cycle&state=CA
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.