How much do lenders finance for a Fitness 1440 franchise?

The median SBA loan approved for a Fitness 1440 franchise is $274,000, with the middle 80% of loans between $150,000 and $593,800. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.

Which lenders finance Fitness 1440 franchises?

By dollars approved, the most active SBA lenders for Fitness 1440 have been Newtek Small Business Finance, Inc., Celtic Bank Corporation, Citizens Bank, Wells Fargo Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.

How long are Fitness 1440 SBA loans?

The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Franchise financing

Financing a Fitness 1440 franchise

SBA lenders have approved 20 loans against the Fitness 1440 brand since FY2010, totalling $7.1M. The median approval was $274,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#977

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$274,000

Typical range

$150K-$594K

Middle 80% of loans

Median term

10 yr

Charge-off rate

Cohort too small

Source: U.S. Small Business Administration, SBA 7(a) and 504 FOIA data, as of 2026-06-30. Approvals from FY2010 onward. How we calculate this.

Lenders

Who financed Fitness 1440

Lender	Loans	Approved
Newtek Small Business Finance, Inc.	3	$1.1M
Celtic Bank Corporation	4	$961K
Citizens Bank	2	$903K
Wells Fargo Bank	2	$899K
Florida Business Development Corporation	1	$878K
Byline Bank	2	$730K
Simmons Bank	1	$700K
Stearns Bank	2	$406K

Geography

Where Fitness 1440 units were financed

State	Loans	Share
Tennessee	5
Georgia	5
Alabama	2
Colorado	2
Texas	2
Oregon	1
Virginia	1
New Jersey	1

Approvals by fiscal year

’15

’16

’17

’18

’19

’20

’21

’22

’23

’24

Loan count by fiscal year - a rough proxy for how fast the brand was opening units. Final bar is a partial year.

Loan sizes

$50K - $150K
5%
$150K - $350K
55%
$350K - $1M
40%

Financing a Fitness 1440: common questions

How much do lenders finance for a Fitness 1440 franchise?: The median SBA loan approved for a Fitness 1440 franchise is $274,000, with the middle 80% of loans between $150,000 and $593,800. That is the financed portion only - it excludes the buyer's equity injection, which SBA lenders typically require at 10% or more of total project cost for a business acquisition or new franchise unit.
Which lenders finance Fitness 1440 franchises?: By dollars approved, the most active SBA lenders for Fitness 1440 have been Newtek Small Business Finance, Inc., Celtic Bank Corporation, Citizens Bank, Wells Fargo Bank. Many franchise brands also maintain their own lists of preferred lenders, which may differ from who has historically approved the most volume.
How long are Fitness 1440 SBA loans?: The median term is 10 yr. SBA 7(a) terms run up to 10 years for working capital and equipment, and up to 25 years when the loan is secured by real estate - so a longer median usually means the loans included property.

Compare other brands

Median loan size and charge-off rate across every franchise in the SBA record.

How SBA 7(a) works

The programme most franchise buyers use, explained end to end.

Buying a franchise with an SBA loan

Equity injection, the franchise directory, and what lenders check.

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