Fitness & Recreation · lender intelligence

How to finance a StarCycle

State:

The SBA 7(a) lenders funding the most StarCycle deals, ranked from public loan records — typical StarCycle loan about $275K. A bank that has funded the brand knows the model — faster approvals, better terms.

Deal economics— what it takes to buy & finance StarCycle

$275K

Typical loan

range $215K–$280K

$306K

Est. purchase price

≈ loan ÷ 90%

$40,869

Cash to close

$30,556 down + fees

$3,788/mo

Typical payment

~11% · 10yr

$52,274/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

31 days

Typical time to fund

Lenders competing

more = leverage

8.27%

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 StarCycle

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

1.4 loans · $2M · Saint Paul, MNFull record →

3+ funded StarCycle 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.

SB SPIN CORP. in Santa Barbara, CA — $275K (2025) · purchase · Montecito Bank & Trust
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
8% fixed
Term
60 mo (5 yrs)
SBA guaranteed
$138K (50%)
Approval → funding
27 days
Approved
2/11/2025
First disbursed
3/10/2025
Loan status
Current
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
9
Business age
Change of Ownership
Industry
Fitness and Recreational Sports Centers
If you were the buyer here
Est. deal size
$306K
Est. down payment (10%)
$31K
Est. cash at closing
$41K
Monthly payment
$5,576
Annual debt service
$67K
Cash flow needed (1.25×)
$84K
Estimates only — not guaranteed accurate. The loan amount, rate,and term come from the public record; the rest assumes the standard 10% buyer injection plus typical guaranty and closing costs. The actual deal's terms and costs likely differed.
Funded by Montecito Bank & Trust
Your business? Claim this record · Request removal
French Legs Corp. in Hopkins, MN — $215K (2024) · Drake Bank
Program
Preferred Lenders Program
Rate at approval
10.5% variable
Term
120 mo (10 yrs)
SBA guaranteed
$161K (75%)
Approval → funding
40 days
Approved
5/8/2024
First disbursed
6/17/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Secondary market
Loan sold to investors
Jobs supported
2
Business age
Startup, Loan Funds will Open Business
Industry
Fitness and Recreational Sports Centers
Funded by Drake Bank · Lender record →
Your business? Claim this record · Request removal
Goal Diggers in Georgetown, TX — $280K (2020) · Wells Fargo Bank National Association
Program
Preferred Lenders Program
Rate at approval
6.3% variable
Term
76 months
SBA guaranteed
$210K (75%)
Approval → funding
31 days
Approved
10/30/2019
First disbursed
11/30/2019
Loan status
Failed — $249K charged off (8/1/2023)
Loan type
Term loan
Collateral
Not required
Business type
Corporation
Jobs supported
20
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 StarCycle? 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.

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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 StarCycle businesses. Mega-bank call-center lenders excluded.

Agent summary

How to finance a StarCycle 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. Drake Bank funds the most. CapBench is not a lender.

$275K typical StarCycle loan
3 lenders fund the brand
31 days typical to fund

Buyers researching a StarCycle 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 StarCycle record

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.
Canonical:: https://www.capbench.com/lenders/franchise/starcycle
API:: https://www.capbench.com/api/public/lenders?franchise=starcycle
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.