Fitness & Recreation · lender intelligence
How to finance a Sweat440
The SBA 7(a) lenders funding the most Sweat440 deals, ranked from public loan records — typical Sweat440 loan about $465K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance Sweat440
$465K
Typical loan
range $350K–$516K
$517K
Est. purchase price
≈ loan ÷ 90%
$69,105
Cash to close
$51,667 down + fees
$6,017/mo
Typical payment
~9.5% · 10yr
$83,035/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
32 days
Typical time to fund
9
Lenders competing
more = leverage
9.02%
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 Sweat440
Ranked by funded Sweat440 loans. Tap a lender to open its full record, or hit Get in touch for an introduction.
- 1.2,539 loans · $965M · Columbus, OHFull record →
- 2.70 loans · $22M · Melrose, MNFull record →
- 3.21 loans · $11M · Little Rock, ARFull record →
- 4.129 loans · $234M · New York, NYFull record →
- 5.318 loans · $229M · Osage Beach, MOFull record →
- 6.97 loans · $96M · Raleigh, NCFull record →
- 7.19 loans · $5M · Roseville, CAFull record →
12+ funded Sweat440 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.
- Morzos Fitness Studio LLC in Orlando, FL — $576K (2026) · ACC Capital
- Program
- Preferred Lenders Program
- Rate at approval
- 9.5% variable
- Term
- 123 months
- SBA guaranteed
- $432K (75%)
- Approved
- 1/28/2026
- Loan status
- Committed
- 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 ACC Capital · Lender record →
Your business? Claim this record · Request removal
- Vital Edge Group LLC in Carrollton, TX — $350K (2026) · Magnifi Financial CU
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 123 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 64 days
- Approved
- 11/20/2025
- First disbursed
- 1/23/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Magnifi Financial CU · Lender record →
Your business? Claim this record · Request removal
- CINQUE PIETRE LLC in Naples, FL — $350K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 2/5/2026
- Loan status
- Cancelled
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- 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
- CINQUE PIETRE LLC in Naples, FL — $350K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 9.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $263K (75%)
- Approved
- 3/31/2026
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 4
- 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
- FIT-NYC PARK SLOPE LLC in Brooklyn, NY — $500K (2025) · Port 51 Lending LLC
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 126 months
- SBA guaranteed
- $375K (75%)
- Approval → funding
- 78 days
- Approved
- 4/30/2025
- First disbursed
- 7/17/2025
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 15
- Business age
- New Business or 2 years or less
- Industry
- Fitness and Recreational Sports Centers
Funded by Port 51 Lending LLC · Lender record →
Your business? Claim this record · Request removal
- Marco Ventures, LLC in Reston, VA — $500K (2025) · First Bank of the Lake
- Program
- Preferred Lenders Program
- Rate at approval
- 10% variable
- Term
- 132 mo (11 yrs)
- SBA guaranteed
- $375K (75%)
- Approved
- 5/31/2025
- Loan status
- Committed
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Jobs supported
- 2
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by First Bank of the Lake · Lender record →
Your business? Claim this record · Request removal
- Sweat South Florida 2 LLC in Miramar, FL — $630K (2023) · Ocean Bank
- Program
- 7a General
- Rate at approval
- 11.5% variable
- Term
- 129 months
- SBA guaranteed
- $473K (75%)
- Approval → funding
- 410 days
- Approved
- 8/21/2023
- First disbursed
- 10/4/2024
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Ocean Bank
Your business? Claim this record · Request removal
- Pollywog-Charlotte-NoDa, LLC in Charlotte, NC — $425K (2023) · First-Citizens Bank & Trust Company
- Program
- Preferred Lenders Program
- Rate at approval
- 9.75% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $319K (75%)
- Approval → funding
- 11 days
- Approved
- 3/24/2023
- First disbursed
- 4/4/2023
- Loan status
- Paid in full (2/28/2026)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 7
- Business age
- New Business or 2 years or less
- Industry
- Fitness and Recreational Sports Centers
Funded by First-Citizens Bank & Trust Company · Lender record →
Your business? Claim this record · Request removal
- S440 - ZILKER LLC in Austin, TX — $350K (2023) · Five Star Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.75% variable
- Term
- 101 months
- SBA guaranteed
- $263K (75%)
- Approval → funding
- 32 days
- Approved
- 4/3/2023
- First disbursed
- 5/5/2023
- 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
- 9
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Five Star Bank · Lender record →
Your business? Claim this record · Request removal
- Sweat440 in Coral Springs, FL — $516K (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 126 months
- SBA guaranteed
- $387K (75%)
- Approval → funding
- 15 days
- Approved
- 4/20/2022
- First disbursed
- 5/5/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
- Sweat440 in Deerfield Beach, FL — $465K (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 126 months
- SBA guaranteed
- $349K (75%)
- Approval → funding
- 15 days
- Approved
- 4/20/2022
- First disbursed
- 5/5/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
- Sweat440 in Miami, FL — $428K (2022) · Newtek Small Business Finance, Inc.
- Program
- Preferred Lenders Program
- Rate at approval
- 6.25% variable
- Term
- 126 months
- SBA guaranteed
- $321K (75%)
- Approval → funding
- 13 days
- Approved
- 4/22/2022
- First disbursed
- 5/5/2022
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 6
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Newtek Small Business Finance, Inc.
Your business? Claim this record · Request removal
Buying a Sweat440? Start with a lender that has funded the brand
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to Sweat440 businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a Sweat440 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. The Huntington National Bank funds the most. CapBench is not a lender.
- $465K typical Sweat440 loan
- 9 lenders fund the brand
- 32 days typical to fund
Buyers researching a Sweat440 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.
- 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.