Franchise financing
Club Pilates franchise financing
What it costs to finance a Club Pilates 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
- 287
- Total funded
- $78.8M
- Median loan
- $242K
- 7(a) charge-off
- 0.0%
What financing a Club Pilates franchise costs
The median SBA loan to a Club Pilates franchisee is $242K, and the middle half of Club Pilates's 287 loans run $150K to $340K (average $274K). Across all SBA-financed franchises the median loan is $350K. Club Pilates 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 Club Pilates loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 271 Club Pilates loans where the SBA recorded a business age, 80.1% went to new businesses two years old or younger. The rest funded existing operations.
How to finance Club Pilates
Club Pilates franchisees have financed with 287 SBA loans since FY2010, averaging $274K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (285 of the 287 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
Club Pilates's 7(a) charge-off rate is 0.0% across 285 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance Club Pilates
By SBA loan count
Where Club Pilates gets funded
Top states by loan count
- 1. California 57
- 2. Texas 31
- 3. Florida 21
- 4. Ohio 16
- 5. North Carolina 9
- 6. Michigan 12
- 7. Virginia 11
- 8. New York 7
Financing a Club Pilates?
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.
Club Pilates SBA financing FAQ
How much does a Club Pilates franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a Club Pilates franchisee is $242K, and the middle half of Club Pilates's 287 loans run $150K to $340K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of Club Pilates's franchise disclosure document.
Can you use an SBA loan for Club Pilates?
Yes. Lenders have funded 287 SBA loans to Club Pilates franchisees, worth $78.8M in all, so Club Pilates is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for Club Pilates?
The data says yes: of Club Pilates's 271 SBA loans that record a business age, 80.1% 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 Club Pilates?
By loan count, the most active SBA lenders for Club Pilates are Simmons Bank, Stearns Bank National Association, Live Oak Banking Company, among others. A lender already active with your brand often moves faster.
What is Club Pilates's SBA charge-off rate?
Across Club Pilates's 285 SBA 7(a) loans, 0.0% 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 Club Pilates?
Mostly 7(a): 285 of Club Pilates's 287 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median Club Pilates loan term is 10 years.