Fitness & Recreation · lender intelligence
How to finance a Spenga in California
The SBA 7(a) lenders funding the most Spenga deals in California, from public loan records — typical Spenga loan about $667K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Spenga in California
$716K
Typical loan
range $460K–$784K
$796K
Est. purchase price
≈ loan ÷ 90%
$109,121
Cash to close
$79,578 down + fees
$9,267/mo
Typical payment
~9.5% · 10yr
$127,885/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
231 days
Typical time to fund
3
Lenders competing
more = leverage
5.27%
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 Spenga in California
Ranked by funded Spenga loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.9 loans · $13M · Atlanta, GAFull record →
- 2.104 loans · $100M · Portsmouth, VAFull record →
3+ funded Spenga 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.
- SPENGA Woodland Hills LLC in Woodland Hills, CA — $784K (2021) · TowneBank
- Program
- Preferred Lenders Program
- Rate at approval
- 5.5% variable
- Term
- 95 months
- SBA guaranteed
- $706K (90%)
- Approval → funding
- 231 days
- Approved
- 8/24/2021
- First disbursed
- 4/12/2022
- 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
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by TowneBank · Lender record →
Your business? Claim this record · Request removal
- Drot's Pass 1, LLC in Danville, CA — $460K (2021) · Wells Fargo Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 4.8% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $345K (75%)
- Approval → funding
- 80 days
- Approved
- 10/26/2020
- First disbursed
- 1/14/2021
- Loan status
- Current
- 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 Wells Fargo Bank National Association · Lender record →
Your business? Claim this record · Request removal
- LC39 Incorporated in Laguna Niguel, CA — $716K (2020) · Ameris Bank
- Program
- 7a General
- Rate at approval
- 5.5% variable
- Term
- 123 months
- SBA guaranteed
- $537K (75%)
- Approved
- 5/15/2020
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 13
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Ameris Bank · Lender record →
Your business? Claim this record · Request removal
Buying a Spenga 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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded Spenga loans with a California project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Spenga 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. Ameris Bank funds the most here. CapBench is not a lender.
- $667K typical Spenga loan
- 3 lenders active in California
- 3+ funded California deals
- 231 days typical to fund
Buyers buying a Spenga 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.
- 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.
- 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.