Franchise financing
ORANGE THEORY FITNESS franchise financing
What it costs to finance a ORANGE THEORY 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
- 459
- Total funded
- $257.5M
- Median loan
- $480K
- 7(a) charge-off
- 1.1%
What financing a ORANGE THEORY FITNESS franchise costs
The median SBA loan to a ORANGE THEORY FITNESS franchisee is $480K, and the middle half of ORANGE THEORY FITNESS's 459 loans run $347K to $643K (average $561K). Across all SBA-financed franchises the median loan is $350K. ORANGE THEORY FITNESS 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 ORANGE THEORY FITNESS loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 436 ORANGE THEORY FITNESS loans where the SBA recorded a business age, 85.5% went to new businesses two years old or younger. The rest funded existing operations.
How to finance ORANGE THEORY FITNESS
ORANGE THEORY FITNESS franchisees have financed with 459 SBA loans since FY2010, averaging $561K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (459 of the 459 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
ORANGE THEORY FITNESS's 7(a) charge-off rate is 1.1% across 459 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance ORANGE THEORY FITNESS
By SBA loan count
Where ORANGE THEORY FITNESS gets funded
Top states by loan count
- 1. California 51
- 2. Texas 34
- 3. New York 29
- 4. New Jersey 22
- 5. Florida 26
- 6. Colorado 18
- 7. Ohio 29
- 8. Massachusetts 24
Financing a ORANGE THEORY 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.
ORANGE THEORY FITNESS SBA financing FAQ
How much does a ORANGE THEORY FITNESS franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a ORANGE THEORY FITNESS franchisee is $480K, and the middle half of ORANGE THEORY FITNESS's 459 loans run $347K to $643K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of ORANGE THEORY FITNESS's franchise disclosure document.
Can you use an SBA loan for ORANGE THEORY FITNESS?
Yes. Lenders have funded 459 SBA loans to ORANGE THEORY FITNESS franchisees, worth $257.5M in all, so ORANGE THEORY FITNESS is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for ORANGE THEORY FITNESS?
The data says yes: of ORANGE THEORY FITNESS's 436 SBA loans that record a business age, 85.5% 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 ORANGE THEORY FITNESS?
By loan count, the most active SBA lenders for ORANGE THEORY FITNESS are Wells Fargo Bank National Association, Live Oak Banking Company, LendingClub Bank, National Association, among others. A lender already active with your brand often moves faster.
What is ORANGE THEORY FITNESS's SBA charge-off rate?
Across ORANGE THEORY FITNESS's 459 SBA 7(a) loans, 1.1% 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 ORANGE THEORY FITNESS?
Mostly 7(a): 459 of ORANGE THEORY FITNESS's 459 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median ORANGE THEORY FITNESS loan term is 10 years.