Franchise financing
The Little Gym franchise financing
What it costs to finance a The Little Gym 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
- 148
- Total funded
- $52.4M
- Median loan
- $350K
- 7(a) charge-off
- 1.4%
What financing a The Little Gym franchise costs
The median SBA loan to a The Little Gym franchisee is $350K, and the middle half of The Little Gym's 148 loans run $146K to $501K (average $354K). Across all SBA-financed franchises the median loan is $350K. The Little Gym buyers borrow about the same as 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 The Little Gym loan runs 10 years. Model your numbers with the franchise financing calculator.
Of the 147 The Little Gym loans where the SBA recorded a business age, 90.5% went to new businesses two years old or younger. The rest funded existing operations.
How to finance The Little Gym
The Little Gym franchisees have financed with 148 SBA loans since FY2010, averaging $354K each. The 7(a) program is the usual route: it covers the franchise fee, build-out, equipment, and working capital (147 of the 148 loans). Lenders weigh your credit, management experience, and the brand's track record alongside the equity you bring.
The Little Gym's 7(a) charge-off rate is 1.4% across 147 loans, a relative track-record signal lenders and buyers weigh, not a guarantee. See how that compares across franchises.
Lenders that finance The Little Gym
By SBA loan count
Where The Little Gym gets funded
Top states by loan count
- 1. Texas 27
- 2. Georgia 18
- 3. New Jersey 12
- 4. Florida 10
- 5. California 8
- 6. Colorado 7
- 7. North Carolina 6
- 8. Washington 4
Financing a The Little Gym?
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.
The Little Gym SBA financing FAQ
How much does a The Little Gym franchise cost?
The public SBA data shows what buyers actually borrow, not a sticker price: the median SBA loan to a The Little Gym franchisee is $350K, and the middle half of The Little Gym's 148 loans run $146K to $501K. Total investment (including the equity you put in, generally 10% or more) is estimated in Item 7 of The Little Gym's franchise disclosure document.
Can you use an SBA loan for The Little Gym?
Yes. Lenders have funded 148 SBA loans to The Little Gym franchisees, worth $52.4M in all, so The Little Gym is regularly financed with SBA 7(a) and 504 loans.
Can a first-time owner get an SBA loan for The Little Gym?
The data says yes: of The Little Gym's 147 SBA loans that record a business age, 90.5% 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 The Little Gym?
By loan count, the most active SBA lenders for The Little Gym are The Huntington National Bank, First Commonwealth Bank, TowneBank, among others. A lender already active with your brand often moves faster.
What is The Little Gym's SBA charge-off rate?
Across The Little Gym's 147 SBA 7(a) loans, 1.4% 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 The Little Gym?
Mostly 7(a): 147 of The Little Gym's 148 SBA loans. The 7(a) program covers the franchise fee, build-out, equipment, and working capital. The median The Little Gym loan term is 10 years.