Fitness center business plans that show the membership math
Fitness centers are among the most active SBA borrowers. Lenders focus on whether the membership model can carry the debt: how fast members join, how long they stay, and what each one is worth.
Written by a former underwriter who approved fitness center loans for 10 years.
- SBA 7(a)
- SBA 504
- 36-month projections
- Written assumptions
- DSCR
Request received
Thanks, . We'll contact you within one business day to set up your consultation.
Preview mode: no form endpoint is connected yet, so this request was not sent anywhere.
What a lender checks on a fitness centers & gyms loan
Your plan answers these before the credit officer has to ask.
Membership ramp
Presale results and a month-by-month path from opening to a mature member count.
Attrition
Monthly churn assumptions that match the format, from big-box gyms to boutique studios.
Revenue per member
Dues plus personal training, classes, retail and other add-ons, each shown separately.
Equipment
Equipment cost, whether it's financed or leased, and when it will need replacing.
Location
Demographics within your trade area, competition nearby, and lease terms.
Franchise or independent
Franchise fees and brand support, or your own track record if you're independent.
Numbers your plan will show
Every figure comes with a written assumption, across 36 months of P&L, balance sheet and cash flow.
- Members at opening and at maturity
- Monthly churn %
- Average revenue per member
- Instructor & payroll cost
- Rent-to-revenue
- Break-even membership
- DSCR by year
Plans for every kind of request
Startups, acquisitions, expansions and property purchases, for SBA 7(a), SBA 504 and conventional bank loans.
- SBA 7(a) startup
- Franchise studio
- Gym acquisition
- Second location
- Equipment
- Build-out
Common questions
Do lenders care about presales?
Yes. Presale memberships are some of the best evidence you can give a lender for a new location. The plan shows them and builds the ramp from there.
Do you work with boutique studios and franchises?
Yes, including yoga, cycling, Pilates and HIIT studios, independent or franchised.
How do you model member churn?
With a monthly attrition rate that fits your format and pricing, so the projections show the new members you need just to stay level.
SBA business plans for any industry
Ready to put your loan request in front of a lender?
Name, email and phone. That's all it takes to get started.