Franchise financing
MASSAGE ENVY franchise financing
What it costs to finance a MASSAGE ENVY 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
- 393
- Total funded
- $201.2M
- Median loan
- $413K
- 7(a) charge-off
- 7.1%
What financing a MASSAGE ENVY franchise costs
The median SBA loan to a MASSAGE ENVY franchisee is $413K, and the middle half of MASSAGE ENVY's 393 loans run $257K to $595K (average $512K). Across all SBA-financed franchises the median loan is $350K. MASSAGE ENVY buyers borrow more 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 MASSAGE ENVY loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 360 MASSAGE ENVY loans where the SBA recorded a business age, 54.4% went to new businesses two years old or younger. The rest funded existing operations.
How to finance MASSAGE ENVY
MASSAGE ENVY franchisees have financed with 393 SBA loans since FY2010, averaging $512K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (393 of the 393 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
MASSAGE ENVY's 7(a) charge-off rate is 7.1% across 393 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance MASSAGE ENVY
By SBA loan count
Where MASSAGE ENVY gets funded
Top states by loan count
- 1. California 58
- 2. Illinois 31
- 3. Texas 33
- 4. Florida 27
- 5. Washington 20
- 6. Virginia 10
- 7. Ohio 16
- 8. Indiana 18
Financing a MASSAGE ENVY?
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.
MASSAGE ENVY SBA financing FAQ
How much does a MASSAGE ENVY franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a MASSAGE ENVY franchisee is $413K, and the middle half of MASSAGE ENVY's 393 loans run $257K to $595K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of MASSAGE ENVY's franchise disclosure document.
Can you use an SBA loan for MASSAGE ENVY?
Yes. Lenders have funded 393 SBA loans to MASSAGE ENVY franchisees, worth $201.2M in all, so MASSAGE ENVY is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for MASSAGE ENVY?
The data says yes: of MASSAGE ENVY's 360 SBA loans that record a business age, 54.4% 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 MASSAGE ENVY?
By loan count, the most active SBA lenders for MASSAGE ENVY are Wells Fargo Bank National Association, The Bancorp Bank National Association, LendingClub Bank, National Association, among others. A lender already active with your brand often moves faster.
What is MASSAGE ENVY's SBA charge-off rate?
Across MASSAGE ENVY's 393 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 MASSAGE ENVY?
Mostly 7(a): 393 of MASSAGE ENVY's 393 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median MASSAGE ENVY loan term is 10 years.