Fitness & Recreation · lender intelligence
How to finance a Spenga in Florida
The SBA 7(a) lenders funding the most Spenga deals in Florida, 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 Florida
$667K
Typical loan
range $650K–$903K
$741K
Est. purchase price
≈ loan ÷ 90%
$99,124
Cash to close
$74,111 down + fees
$8,631/mo
Typical payment
~9.5% · 10yr
$119,108/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
82 days
Typical time to fund
2
Lenders competing
more = leverage
7.75%
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 Florida
Ranked by funded Spenga loans in Florida. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.105 loans · $164M · Brookline, MAFull record →
- 2.7 loans · $9M · Memphis, TNFull record →
3+ funded Spenga in Florida 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.
- Dasau Fitness Inc. in Naples, FL — $903K (2023) · Beacon Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 10.5% variable
- Term
- 128 months
- SBA guaranteed
- $677K (75%)
- Approval → funding
- 22 days
- Approved
- 4/12/2023
- First disbursed
- 5/4/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 17
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
- PLB Life Corp in Fort Lauderdale, FL — $667K (2020) · Paragon Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $500K (75%)
- Approved
- 11/8/2019
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 15
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Paragon Bank · Lender record →
Your business? Claim this record · Request removal
- SPUDS Fitness, Inc. in Estero, FL — $650K (2020) · Beacon Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 126 months
- SBA guaranteed
- $488K (75%)
- Approval → funding
- 82 days
- Approved
- 9/9/2020
- First disbursed
- 11/30/2020
- Loan status
- Current
- 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 Beacon Bank and Trust · Lender record →
Your business? Claim this record · Request removal
Buying a Spenga in Florida? 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 Florida project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Spenga purchase in Florida with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Florida deals. Beacon Bank and Trust funds the most here. CapBench is not a lender.
- $667K typical Spenga loan
- 2 lenders active in Florida
- 3+ funded Florida deals
- 82 days typical to fund
Buyers buying a Spenga in Florida 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.