Fitness & Recreation · lender intelligence
How to finance a Stretch Lab in Virginia
The SBA 7(a) lenders funding the most Stretch Lab deals in Virginia, 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 Virginia
$260K
Typical loan
range $50K–$477K
$289K
Est. purchase price
≈ loan ÷ 90%
$38,639
Cash to close
$28,889 down + fees
$3,582/mo
Typical payment
~11% · 10yr
$49,432/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
21 days
Typical time to fund
4
Lenders competing
more = leverage
10.21%
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 Virginia
Ranked by funded Stretch Lab loans in Virginia. Tap a lender for its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.1,927 loans · $207M · Buffalo, NYFull record →
- 3.62 loans · $34M · Winter Haven, FLFull record →
- 4.1,296 loans · $1.4B · Wilmington, NCFull record →
7+ funded Stretch Lab in Virginia 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.
- Stretch Labs in Virginia Beach, VA — $800K (2025) · purchase · Live Oak Banking Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $600K (75%)
- Approval → funding
- 91 days
- Approved
- 8/7/2025
- First disbursed
- 11/6/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 16
- Business age
- Change of Ownership
- Industry
- Fitness and Recreational Sports Centers
If you were the buyer here
- Est. deal size
- $889K
- Est. down payment (10%)
- $89K
- Est. cash at closing
- $122K
- Monthly payment
- $10,352
- Annual debt service
- $124K
- Cash flow needed (1.25×)
- $155K
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 Live Oak Banking Company · Lender record →
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- StretchLab Chesterfield in Chesterfield, VA — $477K (2023) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 126 months
- SBA guaranteed
- $358K (75%)
- Approval → funding
- 10 days
- Approved
- 8/21/2023
- First disbursed
- 8/31/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 27
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by SouthState Bank, National Association · Lender record →
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- Ethereal Boutiques, LLC in Chesterfield, VA — $477K (2023) · SouthState Bank, National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 11% variable
- Term
- 126 months
- SBA guaranteed
- $358K (75%)
- Approved
- 9/16/2023
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 27
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by SouthState Bank, National Association · Lender record →
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- Selway Corporation in Gainesville, VA — $260K (2023) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $195K (75%)
- Approval → funding
- 21 days
- Approved
- 12/14/2022
- First disbursed
- 1/4/2023
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- 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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- Selway Corporation in Gainesville, VA — $50K (2023) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 21 days
- Approved
- 12/14/2022
- First disbursed
- 1/4/2023
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 26
- 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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- FlexFitnessLab in Glen Allen, VA — $72K (2022) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 8.5% variable
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $36K (50%)
- Approved
- 9/12/2022
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Testing Laboratories and Services
Funded by Manufacturers and Traders Trust Company · Lender record →
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- FlexFitnessLab in Glen Allen, VA — $25K (2022) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 12% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $13K (50%)
- Approved
- 9/12/2022
- Loan status
- Committed
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 10
- Business age
- New Business or 2 years or less
- Industry
- Testing Laboratories and Services
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
Buying a Stretch Lab in Virginia? 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 Virginia project address. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Stretch Lab purchase in Virginia with an SBA 7(a) loan: the lenders that fund the brand here (from public records), with the real funded Virginia deals. The Huntington National Bank funds the most here. CapBench is not a lender.
- $263K typical Stretch Lab loan
- 4 lenders active in Virginia
- 7+ funded Virginia deals
- 21 days typical to fund
Buyers buying a Stretch Lab in Virginia 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.