Franchise financing
F45 Training franchise financing
What it costs to finance a F45 Training 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
- 272
- Total funded
- $76.6M
- Median loan
- $260K
- 7(a) charge-off
- 6.7%
What financing a F45 Training franchise costs
The median SBA loan to a F45 Training franchisee is $260K, and the middle half of F45 Training's 272 loans run $171K to $345K (average $282K). Across all SBA-financed franchises the median loan is $350K. F45 Training 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 F45 Training loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 256 F45 Training loans where the SBA recorded a business age, 89.1% went to new businesses two years old or younger. The rest funded existing operations.
How to finance F45 Training
F45 Training franchisees have financed with 272 SBA loans since FY2010, averaging $282K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (268 of the 272 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
F45 Training's 7(a) charge-off rate is 6.7% across 268 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance F45 Training
By SBA loan count
Where F45 Training gets funded
Top states by loan count
- 1. Texas 42
- 2. California 29
- 3. Florida 17
- 4. New Jersey 12
- 5. Colorado 11
- 6. Washington 10
- 7. New York 15
- 8. Virginia 9
Financing a F45 Training?
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.
F45 Training SBA financing FAQ
How much does a F45 Training franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a F45 Training franchisee is $260K, and the middle half of F45 Training's 272 loans run $171K to $345K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of F45 Training's franchise disclosure document.
Can you use an SBA loan for F45 Training?
Yes. Lenders have funded 272 SBA loans to F45 Training franchisees, worth $76.6M in all, so F45 Training is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for F45 Training?
The data says yes: of F45 Training's 256 SBA loans that record a business age, 89.1% 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 F45 Training?
By loan count, the most active SBA lenders for F45 Training are Stearns Bank National Association, Citizens Bank, The Huntington National Bank, among others. A lender already active with your brand often moves faster.
What is F45 Training's SBA charge-off rate?
Across F45 Training's 268 SBA 7(a) loans, 6.7% 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 F45 Training?
Mostly 7(a): 268 of F45 Training's 272 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median F45 Training loan term is 10 years.