Fitness & Recreation · lender intelligence
How to finance a Stretch Lab in California
The SBA 7(a) lenders funding the most Stretch Lab deals in California, from public loan records — typical Stretch Lab loan about $263K. A bank already funding the brand in your state knows it twice over.
Deal economics— what it takes to buy & finance Stretch Lab in California
$287K
Typical loan
range $150K–$345K
$319K
Est. purchase price
≈ loan ÷ 90%
$42,652
Cash to close
$31,889 down + fees
$3,953/mo
Typical payment
~11% · 10yr
$54,551/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
22 days
Typical time to fund
11
Lenders competing
more = leverage
8.6%
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 Stretch Lab in California
Ranked by funded Stretch Lab loans in California. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.28 loans · $25M · Fresno, CAFull record →
- 3.10 loans · $12M · Monterey, CAFull record →
- 4.15 loans · $14M · Oakdale, MNFull record →
- 5.868 loans · $362M · Salt Lake City, UTFull record →
- 6.20 loans · $8M · Saint Petersburg, FLFull record →
- 7.19 loans · $5M · Roseville, CAFull record →
- 8.105 loans · $164M · Brookline, MAFull record →
- 9.62 loans · $21M · Saint Cloud, MNFull record →
- 10.75 loans · $98M · Sioux Falls, SDFull record →
17+ funded Stretch Lab 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.
- GIOVACCHINI WELLNESS LLC in Lincoln, CA — $350K (2025) · U.S. Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 8.45% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 77 days
- Approved
- 7/3/2025
- First disbursed
- 9/18/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Existing or more than 2 years old
- Industry
- Fitness and Recreational Sports Centers
Funded by U.S. Bank, National Association · Lender record →
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- MKC Fitness in Morgan Hill, CA — $306K (2025) · purchase · Celtic Bank Corporation
- Program
- Preferred Lenders Program
- Rate at approval
- 10.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $230K (75%)
- Approval → funding
- 33 days
- Approved
- 4/24/2025
- First disbursed
- 5/27/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Change of Ownership
- Industry
- Fitness and Recreational Sports Centers
If you were the buyer here
- Est. deal size
- $340K
- Est. down payment (10%)
- $34K
- Est. cash at closing
- $45K
- Monthly payment
- $4,086
- Annual debt service
- $49K
- Cash flow needed (1.25×)
- $61K
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 Celtic Bank Corporation · Lender record →
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- Redhead Ventures, LLC in San Francisco, CA — $294K (2025) · Platinum Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 126 months
- SBA guaranteed
- $221K (75%)
- Approval → funding
- 22 days
- Approved
- 9/16/2025
- First disbursed
- 10/8/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 17
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Platinum Bank · Lender record →
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- OM Health & Fitness, LLC in Napa, CA — $150K (2025) · BayFirst National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 12.75% variable
- Term
- 112 months
- SBA guaranteed
- $128K (85%)
- Approval → funding
- 28 days
- Approved
- 11/19/2024
- First disbursed
- 12/17/2024
- Loan status
- In workout — SBA bought the guarantee
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 5
- Business age
- Existing or more than 2 years old
- Industry
- Fitness and Recreational Sports Centers
Funded by BayFirst National Bank · Lender record →
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- GIOVACCHINI WELLNESS LLC in Rocklin, CA — $95K (2025) · U.S. Bank, National Association
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 12% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $48K (50%)
- Approval → funding
- 26 days
- Approved
- 8/14/2025
- First disbursed
- 9/9/2025
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Existing or more than 2 years old
- Industry
- All Other Personal Services
Funded by U.S. Bank, National Association · Lender record →
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- LLTM II LLC in Carmichael, CA — $435K (2023) · Five Star Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 11.25% variable
- Term
- 126 months
- SBA guaranteed
- $326K (75%)
- Approval → funding
- 16 days
- Approved
- 8/21/2023
- First disbursed
- 9/6/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 36
- Business age
- New Business or 2 years or less
- Industry
- Fitness and Recreational Sports Centers
Funded by Five Star Bank · Lender record →
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- SPARKLE HEALTH ENTERPRISES INC. in Fresno, CA — $350K (2023) · FFB Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 10 days
- Approved
- 10/21/2022
- First disbursed
- 10/31/2022
- 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
- 40
- Business age
- New Business or 2 years or less
- Industry
- Fitness and Recreational Sports Centers
Funded by FFB Bank · Lender record →
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- Sudol Ventures, Inc in Carmel, CA — $260K (2023) · Monterey County Bank
- Program
- 7a General
- Rate at approval
- 9.75% variable
- Term
- 126 months
- SBA guaranteed
- $195K (75%)
- Approval → funding
- 8 days
- Approved
- 1/26/2023
- First disbursed
- 2/3/2023
- Loan status
- Current
- 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 Monterey County Bank · Lender record →
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- B & D Fitness LLC in San Jose, CA — $380K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $285K (75%)
- Approval → funding
- 11 days
- Approved
- 6/26/2022
- First disbursed
- 7/7/2022
- Loan status
- Delinquent
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Scientific and Technical Consulting Services
Funded by The Huntington National Bank · Lender record →
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- Sparkle Health Enterprises Inc. in Clovis, CA — $345K (2022) · FFB Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 6% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $259K (75%)
- Approval → funding
- 18 days
- Approved
- 4/8/2022
- First disbursed
- 4/26/2022
- Loan status
- Failed — $280K charged off (1/7/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 10
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by FFB Bank · Lender record →
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- Stretch Armstrong Inc. in Chula Vista, CA — $287K (2022) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $215K (75%)
- Approval → funding
- 1 days
- Approved
- 7/18/2022
- First disbursed
- 7/19/2022
- Loan status
- Failed — $256K charged off (2/24/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 20
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by The Huntington National Bank · Lender record →
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- B & D Fitness LLC in San Jose, CA — $40K (2022) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $20K (50%)
- Approval → funding
- 11 days
- Approved
- 6/26/2022
- First disbursed
- 7/7/2022
- Loan status
- Delinquent
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Other Scientific and Technical Consulting Services
Funded by The Huntington National Bank · Lender record →
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- SL Camarillo LLC in Camarillo, CA — $40K (2022) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 6.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $20K (50%)
- Approved
- 6/28/2022
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 25
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Stretch Armstrong Inc. in Chula Vista, CA — $30K (2022) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $15K (50%)
- Approved
- 7/18/2022
- Loan status
- Cancelled
- Loan type
- Revolving line
- 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 The Huntington National Bank · Lender record →
Your business? Claim this record · Request removal
- Santevana, Inc. in Woodland Hills, CA — $293K (2021) · The Bancorp Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 5.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $264K (90%)
- Approved
- 7/29/2021
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by The Bancorp Bank National Association · Lender record →
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- Supremum I LLC in Carlsbad, CA — $241K (2020) · Stearns Bank National Association
- Program
- 7a General
- Rate at approval
- 7.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $181K (75%)
- Approval → funding
- 29 days
- Approved
- 4/1/2020
- First disbursed
- 4/30/2020
- Loan status
- Paid in full (7/31/2023)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 14
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
- Envision Fitness and Wellness Company One in Irvine, CA — $220K (2020) · Beacon Bank and Trust
- Program
- Preferred Lenders Program
- Rate at approval
- 7.25% fixed
- Term
- 84 mo (7 yrs)
- SBA guaranteed
- $165K (75%)
- Approval → funding
- 86 days
- Approved
- 12/5/2019
- First disbursed
- 2/29/2020
- Loan status
- Paid in full (12/31/2021)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 5
- 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 Stretch Lab 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.
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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.
CapBench analysis of public SBA 7(a) lending records; ranked by funded Stretch Lab loans with a California project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Stretch Lab 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. The Huntington National Bank funds the most here. CapBench is not a lender.
- $263K typical Stretch Lab loan
- 11 lenders active in California
- 17+ funded California deals
- 22 days typical to fund
Buyers buying a Stretch Lab 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 2026-06-20.
- 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.