How much do lenders finance for a Zoo Health Club franchise?

The median SBA loan approved for a Zoo Health Club franchise is $350,000, with the middle 80% of loans between $50,000 and $630,000. 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 Zoo Health Club franchises?

By dollars approved, the most active SBA lenders for Zoo Health Club have been Newtek Small Business Finance, Inc., St. Mary's Bank, Bangor Savings Bank, Gulf Coast Bank and Trust 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 Zoo Health Club SBA loans?

The median term is 9.9 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 Zoo Health Club franchise

SBA lenders have approved 15 loans against the Zoo Health Club brand since FY2010, totalling $5.1M. The median approval was $350,000. These are loans that actually closed - not projections from a disclosure document.

Rank by loan count

#1197

of 1,651 brands

Loans approved

FY2010 onward

Median loan

$350,000

Typical range

$50K-$630K

Middle 80% of loans

Median term

9.9 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 Zoo Health Club

Lender	Loans	Approved
Newtek Small Business Finance, Inc.	6	$2.4M
St. Mary's Bank	2	$1.2M
Bangor Savings Bank	3	$1.1M
Gulf Coast Bank and Trust Company	1	$225K
JPMorgan Chase Bank	1	$76K
Manufacturers and Traders Trust Company	1	$50K
TD Bank	1	$25K

Geography

Where Zoo Health Club units were financed

State	Loans	Share
New Hampshire	10
Oregon	1
Louisiana	1
New Jersey	1
Florida	1
Virginia	1

Approvals by fiscal year

’13

’15

’16

’17

’19

’22

’23

’25

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
7%
$50K - $150K
20%
$150K - $350K
20%
$350K - $1M
53%

Financing a Zoo Health Club: common questions

How much do lenders finance for a Zoo Health Club franchise?: The median SBA loan approved for a Zoo Health Club franchise is $350,000, with the middle 80% of loans between $50,000 and $630,000. 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 Zoo Health Club franchises?: By dollars approved, the most active SBA lenders for Zoo Health Club have been Newtek Small Business Finance, Inc., St. Mary's Bank, Bangor Savings Bank, Gulf Coast Bank and Trust 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 Zoo Health Club SBA loans?: The median term is 9.9 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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