Franchise financing
ANYTIME FITNESS franchise financing
What it costs to finance a ANYTIME FITNESS franchise and how buyers fund it. The real numbers: how much gets borrowed, which lenders fund it, and the track record.
By Mario Bailey · Source: SBA FOIA data, as of 2026-03-31
- SBA loans
- 1,128
- Total funded
- $492.5M
- Median loan
- $331K
- 7(a) charge-off
- 7.1%
What financing a ANYTIME FITNESS franchise costs
The median SBA loan to a ANYTIME FITNESS franchisee is $331K, and the middle half of ANYTIME FITNESS's 1,128 loans run $149K to $566K (average $437K). Across all SBA-financed franchises the median loan is $350K. ANYTIME FITNESS buyers borrow less than the typical franchisee.
These are loan amounts, not the brand's total startup cost. Buyers also put in equity (the SBA generally wants at least 10% down on a new franchise), and the brand's own investment estimate is Item 7 of its franchise disclosure document (FDD). The median ANYTIME FITNESS loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 1,064 ANYTIME FITNESS loans where the SBA recorded a business age, 58.5% went to new businesses two years old or younger. The rest funded existing operations.
How to finance ANYTIME FITNESS
ANYTIME FITNESS franchisees have financed with 1,128 SBA loans since FY2010, averaging $437K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (1,068 of the 1,128 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
ANYTIME FITNESS's 7(a) charge-off rate is 7.1% across 1,068 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance ANYTIME FITNESS
By SBA loan count
Where ANYTIME FITNESS gets funded
Top states by loan count
- 1. Texas 109
- 2. California 70
- 3. Florida 70
- 4. Wisconsin 59
- 5. Georgia 36
- 6. Indiana 63
- 7. Minnesota 81
- 8. Illinois 66
Financing a ANYTIME FITNESS?
Get matched with the SBA lenders that actually fund businesses like yours, ranked on real loan data by state, industry, and size. Independent: your details go only to the lenders we match you to, never to data brokers.
ANYTIME FITNESS SBA financing FAQ
How much does a ANYTIME FITNESS franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a ANYTIME FITNESS franchisee is $331K, and the middle half of ANYTIME FITNESS's 1,128 loans run $149K to $566K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of ANYTIME FITNESS's franchise disclosure document.
Can you use an SBA loan for ANYTIME FITNESS?
Yes. Lenders have funded 1,128 SBA loans to ANYTIME FITNESS franchisees, worth $492.5M in all, so ANYTIME FITNESS is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for ANYTIME FITNESS?
The data says yes: of ANYTIME FITNESS's 1,064 SBA loans that record a business age, 58.5% went to new businesses two years old or younger. Expect the lender to look harder at your experience, business plan, and equity injection.
Which lenders finance ANYTIME FITNESS?
By loan count, the most active SBA lenders for ANYTIME FITNESS are Wells Fargo Bank National Association, Live Oak Banking Company, Platinum Bank, among others. A lender already active with your brand often moves faster.
What is ANYTIME FITNESS's SBA charge-off rate?
Across ANYTIME FITNESS's 1,068 SBA 7(a) loans, 7.1% have charged off. Read it as a relative track-record signal, not a prediction. It is not a lifetime default rate.
Which SBA program fits ANYTIME FITNESS?
Mostly 7(a): 1,068 of ANYTIME FITNESS's 1,128 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median ANYTIME FITNESS loan term is 10 years.