Fitness & Recreation · lender intelligence
How to finance a The Max Challenge
The SBA 7(a) lenders funding the most The Max Challenge deals, ranked from public loan records — typical The Max Challenge loan about $67K. A bank that has funded the brand knows the model — faster approvals, better terms.
Deal economics— what it takes to buy & finance The Max Challenge
$67K
Typical loan
range $50K–$180K
$74K
Est. purchase price
≈ loan ÷ 90%
$9,560
Cash to close
$7,422 down + fees
$978/mo
Typical payment
~12.5% · 10yr
$13,496/yr
Cash flow to qualify
≈ payment × 1.15 DSCR
40 days
Typical time to fund
3
Lenders competing
more = leverage
9.22%
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 The Max Challenge
Ranked by funded The Max Challenge 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 →
- 2.62 loans · $21M · Saint Cloud, MNFull record →
- 3.1,927 loans · $207M · Buffalo, NYFull record →
6+ funded The Max Challenge 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.
- THE MAX OF OHIO, INC. in Westerville, OH — $67K (2026) · The Huntington National Bank
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 10.35% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $33K (50%)
- Approval → funding
- 55 days
- Approved
- 11/14/2025
- First disbursed
- 1/8/2026
- Loan status
- Current
- Loan type
- Revolving line
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- All Other Personal Services
Funded by The Huntington National Bank · Lender record →
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- THE MAX OF OHIO, INC. in Westerville, OH — $63K (2026) · The Huntington National Bank
- Program
- Preferred Lenders Program
- Rate at approval
- 10.45% variable
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $48K (75%)
- Approval → funding
- 55 days
- Approved
- 11/14/2025
- First disbursed
- 1/8/2026
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Business age
- Existing or more than 2 years old
- Industry
- All Other Personal Services
Funded by The Huntington National Bank · Lender record →
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- THE MAX CHALLENGE OF KATY, LLC in Houston, TX — $261K (2020) · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.75% variable
- Term
- 55 months
- SBA guaranteed
- $196K (75%)
- Approval → funding
- 40 days
- Approved
- 10/21/2019
- First disbursed
- 11/30/2019
- Loan status
- Failed — $28K charged off (8/7/2025)
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Startup, Loan Funds will Open Business
- Industry
- Fitness and Recreational Sports Centers
Funded by Stearns Bank National Association · Lender record →
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- S A M FITNESS LLC in Fair Lawn, NJ — $180K (2020) · purchase · Stearns Bank National Association
- Program
- Preferred Lenders Program
- Rate at approval
- 7.5% variable
- Term
- 180 mo (15 yrs)
- SBA guaranteed
- $135K (75%)
- Approval → funding
- 5 days
- Approved
- 11/25/2019
- First disbursed
- 11/30/2019
- Loan status
- Current
- Loan type
- Term loan
- Collateral
- Required
- Business type
- Corporation
- Secondary market
- Loan sold to investors
- Jobs supported
- 8
- Business age
- Change of Ownership
- Industry
- Fitness and Recreational Sports Centers
If you were the buyer here
- Est. deal size
- $200K
- Est. down payment (10%)
- $20K
- Est. cash at closing
- $27K
- Monthly payment
- $1,669
- Annual debt service
- $20K
- Cash flow needed (1.25×)
- $25K
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 Stearns Bank National Association · Lender record →
Your business? Claim this record · Request removal
- MV Wellness, INC in Cedar Grove, NJ — $50K (2020) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 7.99% fixed
- Term
- 60 mo (5 yrs)
- SBA guaranteed
- $25K (50%)
- Approval → funding
- 5 days
- Approved
- 12/4/2019
- First disbursed
- 12/9/2019
- Loan status
- Paid in full (1/31/2023)
- Loan type
- Term loan
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 1
- Industry
- Fitness and Recreational Sports Centers
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
- MV Wellness, INC in Cedar Grove, NJ — $20K (2020) · Manufacturers and Traders Trust Company
- Program
- SBA Express Program
- Subprogram
- FA$TRK (Small Loan Express)
- Rate at approval
- 11.25% variable
- Term
- 120 mo (10 yrs)
- SBA guaranteed
- $10K (50%)
- Approved
- 12/4/2019
- Loan status
- Cancelled
- Loan type
- Revolving line
- Collateral
- Not required
- Business type
- Corporation
- Jobs supported
- 1
- Business age
- Unanswered
- Industry
- All Other Professional, Scientific, and Technical Services
Funded by Manufacturers and Traders Trust Company · Lender record →
Your business? Claim this record · Request removal
Buying a The Max Challenge? Start with a lender that has funded the brand
We'll point you to the SBA lenders already financing this brand — and help you make them compete on rate and speed.
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CapBench analysis of public SBA 7(a) lending records; ranked by funded loans to The Max Challenge businesses. Mega-bank call-center lenders excluded.
Agent summary
How to finance a The Max Challenge 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.
- $67K typical The Max Challenge loan
- 3 lenders fund the brand
- 40 days typical to fund
Buyers researching a The Max Challenge 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.