Best Gyms & Fitness Centers SBA Lenders of 2026

Compare the top 273 SBA lenders for Gyms & Fitness Centers businesses. $617.4M funded in 2025. Average rate 9.95%. Get matched free.

Table of Contents

Best Gyms & Fitness Centers SBA Lenders of 2026

$617.4M
Total Funded

1,468
Loans Approved

$421K
Avg Loan Size

9.95%
Avg Interest Rate

273
Active Lenders

SBA Loans for Gyms & Fitness Centers Businesses

The Gyms & Fitness Centers industry received $617.4M in SBA 7(a) loans across 1,468 businesses in 2025. With 273 lenders actively funding this industry, finding the right bank can make a significant difference in your rates and approval odds.

Working with an experienced SBA loan broker who understands the Gyms & Fitness Centers industry can help you access lenders that specialize in your business type.

💡 Key Insight: The average SBA loan for Gyms & Fitness Centers businesses is $421K with an average rate of 9.95%. Lenders who specialize in this industry often offer better terms and faster approvals.

SBA Loans by Business Type

Here’s how SBA 7(a) loans break down for Gyms & Fitness Centers businesses by business stage:

🚀 Startups
64%
$435.2M • 945 loans

🏢 Existing Businesses
30%
$134.4M • 439 loans

🔄 Business Acquisitions
6%
$47.5M • 82 loans

Top 50 SBA Lenders for Gyms & Fitness Centers (2025)

These are the banks that funded the most SBA 7(a) loan volume to Gyms & Fitness Centers businesses, ranked by total volume:

RankLenderVolumeLoansAvg Rate
1 The Huntington National Bank$84.6M3069.86%
2 Live Oak Banking Company$38.9M469.64%
3 Newtek Bank, National Association$28.8M11010.85%
4 Citizens Bank$21.2M3910.12%
5 First Business Bank$20.6M69.92%
6 Byline Bank$20.6M1210.21%
7 First Bank of the Lake$16.5M2510.19%
8 Readycap Lending, LLC$13.3M2010.53%
9 First Internet Bank of Indiana$12.2M810.19%
10 Zions Bank, A Division of$11.4M309.94%
11 U.S. Bank, National Association$10.1M439.39%
12 Cadence Bank$9.6M159.97%
13 Manufacturers and Traders Trust Company$9.5M6910.93%
14 KeyBank National Association$8.8M2610.11%
15 Northwest Bank$8.4M109.57%
16 Platinum Bank$7.9M149.91%
17 Climate First Bank$7.6M1010.15%
18 Pathward National Association$7.2M410.25%
19 Celtic Bank Corporation$7.2M2010.25%
20 Enterprise Bank & Trust$6.8M37.92%
21 VelocitySBA, LLC$6.8M710.29%
22 Northeast Bank$6.6M5311.37%
23 Wilmington Savings Fund Society FSB$6.1M69.79%
24 FWBank$5.8M109.95%
25 Magnifi Financial CU$5.1M1410.16%
26 Fidelity Bank$4.9M18.50%
27 Port 51 Lending LLC$4.6M59.85%
28 First Commonwealth Bank$4.4M1110.07%
29 Wells Fargo Bank National Association$4.3M1810.87%
30 First National Bank of Pennsylvania$4.2M69.38%
31 Meridian Bank$4.0M69.96%
32 Craft Bank$3.8M410.38%
33 Royal Business Bank$3.8M18.50%
34 Harvest Small Business Finance, LLC$3.6M410.13%
35 Brookline Bank, a Division of Beacon Bank and Trust$3.6M38.48%
36 Atlantic Union Bank$3.5M69.25%
37 The Bancorp Bank National Association$3.5M58.65%
38 Quaint Oak Bank$3.5M69.92%
39 Rockland Trust Company$3.4M117.18%
40 Bank of America, National Association$3.3M87.90%
41 Hanover Community Bank$3.3M610.38%
42 PlainsCapital Bank$3.2M17.00%
43 American Bank of Freedom$3.1M29.25%
44 Pinnacle Bank$3.0M49.38%
45 BayFirst National Bank$3.0M1311.63%
46 HomeTrust Bank$2.9M510.10%
47 Community Bank & Trust-West Georgia$2.8M310.00%
48 Fortis Bank$2.8M39.33%
49 Dogwood State Bank$2.7M29.63%
50 Stock Yards Bank & Trust Company$2.7M37.42%

🚀 Best Lenders for Gyms & Fitness Centers Startups

Starting a new fitness and recreational sports centers business? These lenders funded the most startup loans in this industry:

RankLenderStartup VolumeLoansAvg Rate
1 The Huntington National Bank$78.6M2819.87%
2 First Business Bank$20.6M69.92%
3 Byline Bank$20.3M1110.20%
4 Citizens Bank$17.9M3510.11%
5 First Bank of the Lake$16.2M239.90%
6 Live Oak Banking Company$11.6M179.95%
7 Newtek Bank, National Association$10.4M2810.69%
8 First Internet Bank of Indiana$10.4M710.18%
9 Readycap Lending, LLC$9.1M1410.14%
10 KeyBank National Association$8.2M209.97%

🔄 Best Lenders for Gyms & Fitness Centers Acquisitions

Looking to buy an existing fitness and recreational sports centers business? These lenders specialize in acquisition financing:

RankLenderAcquisition VolumeLoansAvg Rate
1 Live Oak Banking Company$9.0M109.45%
2 Pathward National Association$5.9M310.17%
3 Brookline Bank, a Division of Beacon Bank and Trust$3.2M19.75%
4 Zions Bank, A Division of$2.4M38.33%
5 Truliant FCU$1.7M210.38%
6 Bank of America, National Association$1.7M36.61%
7 The Huntington National Bank$1.6M109.55%
8 Citizens Bank$1.5M210.00%
9 Wilson Bank & Trust$1.3M19.75%
10 Hanover Community Bank$1.2M110.00%

🏢 Best Lenders for Existing Gyms & Fitness Centers Businesses

Already running an established fitness and recreational sports centers business? These lenders have funded the most loans to existing businesses in your industry:

RankLenderVolumeLoansAvg Rate
1 Newtek Bank, National Association$18.4M8210.91%
2 Live Oak Banking Company$18.3M199.47%
3 U.S. Bank, National Association$7.3M359.36%
4 Northeast Bank$6.1M4511.26%
5 Fidelity Bank$4.9M18.50%
6 The Huntington National Bank$4.5M159.82%
7 Readycap Lending, LLC$4.1M611.42%
8 Port 51 Lending LLC$3.5M39.67%
9 Wilmington Savings Fund Society FSB$3.5M110.00%
10 Enterprise Bank & Trust$3.2M27.75%

Top States for Gyms & Fitness Centers SBA Loans

Here are the states with the highest SBA lending volume for Gyms & Fitness Centers businesses:

RankStateVolumeLoans
1 Texas$79.1M136
2 California$71.3M174
3 Florida$56.0M107
4 New York$45.2M102
5 Georgia$30.8M47
6 New Jersey$30.1M79
7 Washington$29.0M46
8 Pennsylvania$22.7M64
9 North Carolina$22.0M37
10 Arizona$19.0M42
11 Illinois$18.1M56
12 Colorado$16.8M51
13 Massachusetts$14.2M40
14 Maryland$12.7M27
15 Virginia$12.6M36
16 Tennessee$11.6M28
17 Ohio$11.5M42
18 Minnesota$10.9M34
19 South Carolina$9.8M25
20 Missouri$9.7M26
21 Michigan$9.5M36
22 Utah$8.7M27
23 Louisiana$6.6M4
24 Nevada$5.9M11
25 Indiana$5.3M23
26 Wisconsin$5.3M15
27 Kentucky$4.5M10
28 Kansas$4.0M8
29 Alabama$4.0M14
30 Connecticut$3.5M17
31 New Hampshire$3.1M8
32 Oregon$2.8M15
33 Oklahoma$2.5M10
34 Iowa$2.3M11
35 Idaho$2.0M8
36 Nebraska$1.9M6
37 Mississippi$1.4M3
38 South Dakota$1.4M3
39 Rhode Island$1.2M3
40 New Mexico$1.2M5
41 Arkansas$1.1M2
42 Montana$1.0M5
43 North Dakota$983K2
44 District of Columbia$929K1
45 Delaware$909K5
46 West Virginia$589K3
47 Alaska$465K2
48 Puerto Rico$344K5
49 Maine$263K4
50 Hawaii$256K1

Top Cities for Gyms & Fitness Centers SBA Loans

New York, Ny

$14.2M
Volume

20
Loans

Brooklyn, Ny

$8.1M
Volume

15
Loans

Cypress, Tx

$8.0M
Volume

4
Loans

Scottsdale, Az

$7.2M
Volume

11
Loans

Chicago, Il

$6.4M
Volume

16
Loans

Atlanta, Ga

$5.5M
Volume

13
Loans

Miami, Fl

$5.5M
Volume

9
Loans

Houston, Tx

$5.3M
Volume

13
Loans

Denver, Co

$5.2M
Volume

13
Loans

Baton Rouge, La

$4.9M
Volume

1
Loans

San Jose, Ca

$4.9M
Volume

4
Loans

Frederick, Md

$4.9M
Volume

5
Loans

Dallas, Tx

$4.9M
Volume

8
Loans

Spring, Tx

$4.7M
Volume

3
Loans

Vancouver, Wa

$4.7M
Volume

3
Loans

Concord, Ca

$4.6M
Volume

4
Loans

🤝 Why Use an SBA Broker for Gyms & Fitness Centers Loans?

GoSBA Loans has extensive experience financing Gyms & Fitness Centers businesses:

  • Industry expertise — we know which lenders specialize in Gyms & Fitness Centers
  • Access to 273+ lenders — including banks that don’t accept direct applications
  • Better rates — our relationships help secure competitive terms
  • Faster approvals — proper preparation leads to quicker decisions
  • Free service — lenders pay us, you pay nothing extra

📞 Get Expert Help with Your Gyms & Fitness Centers SBA Loan

Our team specializes in SBA financing for Gyms & Fitness Centers businesses. Let us match you with the right lender for your specific needs.

Need SBA financing for your Gyms & Fitness Centers business? GoSBA Loans specializes in SBA loans for Gyms & Fitness Centers businesses. Contact our industry specialists today for a free consultation.

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Ishan Jetley

Ishan Jetley is the owner of GoSBA Loans. I have assisted 100's of businesses with their business loans. I specialize in SBA financing for working capital, real estate and business acquisitions.
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