Fitness & Recreation · lender intelligence
How to finance a StarCycle in California
The SBA 7(a) lenders funding the most StarCycle deals in California, from public loan records — typical StarCycle loan about $275K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance StarCycle in California
$275K
Typical loan
range $275K–$275K
$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
27 days
Typical time to fund
1
Lenders competing
more = leverage
8%
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 in California
Ranked by funded StarCycle loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.
No directory lender has enough StarCycle loans in California to rank yet. See StarCycle lenders nationwide →
1+ funded StarCycle 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.
- 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
Buying a StarCycle 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 StarCycle loans with a California project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a StarCycle 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. CapBench is not a lender.
- $275K typical StarCycle loan
- 1 lenders active in California
- 1+ funded California deals
- 27 days typical to fund
Buyers buying a StarCycle 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 2026-06-19.
- 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.