SBA loans by business type
SBA Loans for Gyms and Fitness Centers
SBA lenders funded 16,868 7(a) and 504 loans for gyms and fitness centers since FY2010 (1.6% of all SBA lending in the data), totaling $7.4B, an average of $437K per loan. The most active lender is The Huntington National Bank.
By Mario Bailey · Source: SBA FOIA data, FY2010–2026 (as of 2026-03-31)
These figures are computed from the SBA's public 7(a) and 504 funded-loan records for Fitness and Recreational Sports Centers (NAICS 71394). They cover funded loans, not applications, so a lender's activity here is a track-record signal — not a guarantee you will be approved. Among the 7(a) loans, the charge-off rate is 5.1% — a relative track-record signal, not a lifetime default rate (504 charge-offs are not reported in the SBA data); see our methodology. Estimate a payment with the SBA loan calculator, or check the basics with the eligibility checker.
Top SBA lenders in Arts, Entertainment, Recreation, the sector that includes gyms and fitness centers
Ranked by SBA loans funded across Arts, Entertainment, Recreation (NAICS 71), the full sector that contains Fitness and Recreational Sports Centers (NAICS 71394). The sector is broader than gyms and fitness centers alone, and sector level is the granularity our per-lender track-record data supports, so every figure below, including the 7(a) charge-off rate, is sector-wide, not specific to gyms and fitness centers. Charge-off is reported on 7(a) loans, never on 504 loans, so a lender without a reliable 7(a) sample in the sector shows “not reported,” never 0%. A lender active in your situation is a good place to start; talk to a few before you apply.
| # | Lender | Loans | Total funded | Average loan | 7(a) charge-off |
|---|---|---|---|---|---|
| 1 | The Huntington National Bank | 3,550 | $1.1B | $308K | 2.42% |
| 2 | Wells Fargo Bank National Association | 2,066 | $638.6M | $309K | 8.33% |
| 3 | U.S. Bank, National Association | 1,050 | $407.9M | $388K | 3.43% |
| 4 | JPMorgan Chase Bank, National Association | 1,012 | $213.8M | $211K | 5.93% |
| 5 | Manufacturers and Traders Trust Company | 954 | $162.4M | $170K | 6.18% |
| 6 | TD Bank, National Association | 714 | $148.5M | $208K | 9.52% |
| 7 | Newtek Bank, National Association | 502 | $201.5M | $401K | 0.00% |
| 8 | KeyBank National Association | 501 | $298.6M | $596K | 2.20% |
| 9 | Celtic Bank Corporation | 467 | $260.7M | $558K | 14.99% |
| 10 | Stearns Bank National Association | 429 | $107.8M | $251K | 12.35% |
SBA 7(a) and 504 loans, FY2010–2026, as of 2026-03-31, from the SBA's public record.
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Top states for gyms and fitness centers SBA loans
| State | Loans | Total volume |
|---|---|---|
| Texas | 1,554 | $763.3M |
| California | 1,619 | $726.3M |
| Florida | 1,004 | $475.0M |
| New York | 924 | $348.7M |
| New Jersey | 601 | $320.3M |
| Illinois | 616 | $319.4M |
| Georgia | 470 | $281.0M |
| Pennsylvania | 572 | $259.1M |
| North Carolina | 474 | $252.6M |
| Colorado | 496 | $252.1M |
SBA lending for gyms and fitness centers by year
Funded SBA volume by approval fiscal year (FY2010–2026).
SBA loans for gyms and fitness centers: frequently asked questions
Can you get an SBA loan for gyms and fitness centers?
Yes. Lenders funded 16,868 SBA 7(a) and 504 loans for gyms and fitness centers in the public data (as of 2026-03-31), 1.6% of all SBA lending, totaling $7.4B.
How much is a typical SBA loan for gyms and fitness centers?
The average SBA loan for gyms and fitness centers is $437K, across 16,868 funded loans. Your amount depends on use of funds, cash flow, and the lender.
Which SBA lenders fund gyms and fitness centers?
The Huntington National Bank, Wells Fargo Bank National Association, Live Oak Banking Company are among the most active SBA lenders for gyms and fitness centers by funded volume. A lender that regularly funds your situation is more likely to understand the deal.