How much do lenders finance for a FYZICAL Therapy & Balance Centers franchise?

The median SBA loan approved for a FYZICAL Therapy & Balance Centers franchise is $220,000, with the middle 80% of loans between $40,000 and $425,000. 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 FYZICAL Therapy & Balance Centers franchises?

By dollars approved, the most active SBA lenders for FYZICAL Therapy & Balance Centers have been The Huntington National Bank, First Bank of the Lake, Wilmington Savings Fund Society, Enchantment Land Certified Development Company. 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 FYZICAL Therapy & Balance Centers 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 FYZICAL Therapy & Balance Centers franchise

SBA lenders have approved 129 loans against the FYZICAL Therapy & Balance Centers brand since FY2010, totalling $29.3M. The median approval was $220,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#144

of 1,651 brands

Loans approved

129

FY2010 onward

Median loan

$220,000

Typical range

$40K-$425K

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 FYZICAL Therapy & Balance Centers

Lender	Loans	Approved
The Huntington National Bank	75	$14.3M
First Bank of the Lake	7	$2.2M
Wilmington Savings Fund Society	3	$1.3M
Enchantment Land Certified Development Company	1	$1.1M
Pinnacle Bank	3	$867K
First Community Bank	1	$758K
Climate First Bank	2	$700K
Citizens Bank	2	$688K

Geography

Where FYZICAL Therapy & Balance Centers units were financed

State	Loans	Share
Texas	29
Florida	14
Georgia	8
Missouri	8
Pennsylvania	8
Ohio	7
New Jersey	6
South Carolina	5

Approvals by fiscal year

’18

’19

’20

’21

’22

’23

’24

’25

’26

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

Loan sizes

Under $50K
14%
$50K - $150K
22%
$150K - $350K
45%
$350K - $1M
19%
$1M - $2M
1%

Financing a FYZICAL Therapy & Balance Centers: common questions

How much do lenders finance for a FYZICAL Therapy & Balance Centers franchise?: The median SBA loan approved for a FYZICAL Therapy & Balance Centers franchise is $220,000, with the middle 80% of loans between $40,000 and $425,000. 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 FYZICAL Therapy & Balance Centers franchises?: By dollars approved, the most active SBA lenders for FYZICAL Therapy & Balance Centers have been The Huntington National Bank, First Bank of the Lake, Wilmington Savings Fund Society, Enchantment Land Certified Development Company. 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 FYZICAL Therapy & Balance Centers 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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