Fitness & Recreation · lender intelligence

How to finance a Spenga in North Carolina

State:

Arizona (1)California (3)Colorado (5)Florida (3)Indiana (2)Minnesota (1)Missouri (1)New Jersey (5)New York (2)Ohio (2)Pennsylvania (1)South Carolina (2)

The SBA 7(a) lenders funding the most Spenga deals in North Carolina, 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 North Carolina

$328K

Typical loan

range $25K–$721K

$364K

Est. purchase price

≈ loan ÷ 90%

$48,715

Cash to close

$36,422 down + fees

$4,515/mo

Typical payment

~11% · 10yr

$62,307/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

54 days

Typical time to fund

Lenders competing

more = leverage

5.73%

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 North Carolina

Ranked by funded Spenga loans in North Carolina. Tap a lender for its full record, or hit Get in touch for an introduction.

1.104 loans · $100M · Portsmouth, VAFull record →

3+ funded Spenga in North Carolina 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.

OH Corn LLC in Raleigh, NC — $25K (2022) · TowneBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$13K (50%)
Approval → funding
20 days
Approved
12/8/2021
First disbursed
12/28/2021
Loan status
Paid in full (10/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
4
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
OH Corn LLC in Raleigh, NC — $721K (2021) · TowneBank
Program
Preferred Lenders Program
Rate at approval
6% variable
Term
120 mo (10 yrs)
SBA guaranteed
$648K (90%)
Approval → funding
140 days
Approved
8/10/2021
First disbursed
12/28/2021
Loan status
Paid in full (10/31/2024)
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
9
Business age
New Business or 2 years or less
Industry
Fitness and Recreational Sports Centers
Funded by TowneBank · Lender record →
Your business? Claim this record · Request removal
JT Advisors, LLC in Charlotte, NC — $328K (2020) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
5.2% variable
Term
113 months
SBA guaranteed
$246K (75%)
Approval → funding
54 days
Approved
7/8/2020
First disbursed
8/31/2020
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
46
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

Buying a Spenga in North Carolina? 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 Spenga loans with a North Carolina project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Spenga purchase in North Carolina with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded North Carolina deals. TowneBank funds the most here. CapBench is not a lender.

$667K typical Spenga loan
2 lenders active in North Carolina
3+ funded North Carolina deals
54 days typical to fund

Buyers buying a Spenga in North Carolina 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 Spenga lenders

Data freshness:: SBA records through 2026-05-31; FDIC through 2026-03-31; page updated 2026-06-24.
Sources:: Public SBA 7(a) loan records; FDIC institution data (BankFind); CapBench lender and franchise enrichment.
Canonical:: https://www.capbench.com/lenders/franchise/spenga/north-carolina
API:: https://www.capbench.com/api/public/lenders?franchise=spenga&state=NC
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.