Fitness & Recreation · lender intelligence

How to finance a Stretch Zone in California

State:

The SBA 7(a) lenders funding the most Stretch Zone deals in California, from public loan records — typical Stretch Zone loan about $170K. A bank already funding the brand in your state knows it twice over.

Deal economics— what it takes to buy & finance Stretch Zone in California

$208K

Typical loan

range $50K–$239K

$232K

Est. purchase price

≈ loan ÷ 90%

$30,971

Cash to close

$23,156 down + fees

$3,050/mo

Typical payment

~12.5% · 10yr

$42,090/yr

Cash flow to qualify

≈ payment × 1.15 DSCR

121 days

Typical time to fund

Lenders competing

more = leverage

10.42%

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 Zone in California

Ranked by funded Stretch Zone 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 →
2.318 loans · $229M · Osage Beach, MOFull record →

3+ funded Stretch Zone 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.

H.I. Health LLC in Chino Hills, CA — $208K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$156K (75%)
Approval → funding
72 days
Approved
11/17/2025
First disbursed
1/28/2026
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
12
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
H.I. Health LLC in Chino Hills, CA — $50K (2026) · The Huntington National Bank
Program
SBA Express Program
Subprogram
FA$TRK (Small Loan Express)
Rate at approval
10% variable
Term
120 mo (10 yrs)
SBA guaranteed
$25K (50%)
Approved
11/17/2025
Loan status
Committed
Loan type
Revolving line
Collateral
Required
Business type
Corporation
Jobs supported
12
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 Zone Clayton in Clayton, CA — $239K (2024) · First Bank of the Lake
Program
Preferred Lenders Program
Rate at approval
11.25% variable
Term
120 mo (10 yrs)
SBA guaranteed
$180K (75%)
Approval → funding
121 days
Approved
5/1/2024
First disbursed
8/30/2024
Loan status
Current
Loan type
Term loan
Collateral
Required
Business type
Corporation
Jobs supported
8
Business age
Startup, Loan Funds will Open Business
Industry
Offices of Physical, Occupational and Speech Therapists, and
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal

Buying a Stretch Zone 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.

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 Stretch Zone loans with a California project address. Mega-bank call-center lenders excluded.

Agent summary

How to finance a Stretch Zone 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.

$170K typical Stretch Zone loan
2 lenders active in California
3+ funded California deals
121 days typical to fund

Buyers buying a Stretch Zone 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.

Next steps

Pre-qualify this deal Talk to a loan broker All Stretch Zone lenders

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/stretch-zone/california
API:: https://www.capbench.com/api/public/lenders?franchise=stretch-zone
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.