Anytime Fitness Franchise Failure Rate
SBA 7(a) loan default data, FY2010–FY2019 · Updated 2026
Anytime Fitness franchisees defaulted on 12.6% of SBA 7(a) loans between FY2010 and FY2019 — 76 of 601 loans were charged off — according to U.S. Small Business Administration data. That is higher than the Fitness and Recreational Sports Centers industry average of 11.4%.
- 12.6%SBA default rate76 of 601 loans
- 601loans resolvedapproved FY2010–FY2019
- 11.4%Fitness and Recreational Sports Centers averageall SBA loans in the industry
- 13th lowestindustry rankof 30 Fitness and Recreational Sports Centers brands
| SBA default rate | 12.6% |
|---|---|
| Loans approved | 601 |
| Loans charged off | 76 |
| Date range | FY2010–FY2019 |
| Industry | Fitness and Recreational Sports Centers |
| Industry average | 11.4% |
| Total initial investment (FDD Item 7) | $539,329–$905,482 |
| Data source | U.S. SBA 7(a) FOIA loan data |
Most SBA default figures published online use loans approved since 2020 — loans that have had six years or less to fail — so those rates are floors, not outcomes. Every rate on this site is computed from the matured FY2010–FY2019 cohort: loans that have been paid in full or charged off, so the result is settled. Loans approved since 2020 are shown as counts so early charge-offs are visible without being mistaken for a rate.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.
About 1 in 8 Anytime Fitness SBA borrowers failed to repay — above the Fitness and Recreational Sports Centers average of 11.4%.
What is the Anytime Fitness franchise failure rate on SBA loans?
Anytime Fitness is a Fitness and Recreational Sports Centers franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Anytime Fitness franchisees: 601 loans approved between fiscal 2010 and 2019, of which 76 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.
- SBA 7(a) loans approved FY2010–FY2019601
- Charged off76
- Charge-off rate12.6%
- Fitness and Recreational Sports Centers franchise benchmark11.4%
- Brand vs industry1.1x
- All-franchise SBA benchmark10.2%
- Average loan size, 2010s cohort$377,841
- New SBA loans since 2020304
- Early charge-offs since 20204
How does Anytime Fitness compare with other Fitness and Recreational Sports Centers franchises?
The table sets Anytime Fitness's charge-off rate beside its Fitness and Recreational Sports Centers peers and the two economy-wide benchmarks. All figures use the same cohort — SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026 — and the same denominator of resolved loans, so they are directly comparable.
| Measure | Anytime Fitness | Fitness and Recreational Sports Centers | All franchises | All SBA borrowers |
|---|---|---|---|---|
| Default (charge-off) rate | 12.6% | 11.4% | 10.2% | 8.0% |
| Loans in sample | 601 | — | — | — |
| Defaults | 76 | — | — | — |
| Average loan size | $377,841 | — | — | — |
What would Anytime Fitness's royalty and ad fund cost at your sales level?
From Anytime Fitness's FDD Item 6 (2026): royalty % of sales. Royalty and ad fund only · illustration. Other Item 6 fees, fixed or percentage, and local marketing minimums are not included. Anytime Fitness charges no percentage royalty on sales; Item 6 lists a flat Monthly Fee, currently $842 per month per center.
| Annual sales | Royalty |
|---|
What has Anytime Fitness SBA lending looked like since 2020?
Since 2020, Anytime Fitness franchisees have taken 304 new SBA 7(a) loans. 4 have already charged off. Early defaults on loans under six years old are worth noting. Most SBA failures take longer to develop.
Loans approved since 2020, by fiscal year — counts only: 4 have charged off to date and most are still outstanding, so no rate is drawn.
Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.
Show the numbers behind this chart
| Fiscal year | Loans | Charged off | Rate |
|---|---|---|---|
| FY2010 | 40 | 1 | 2.5% |
| FY2011 | 35 | 1 | 2.9% |
| FY2012 | 49 | 1 | 2.0% |
| FY2013 | 48 | 6 | 12.5% |
| FY2014 | 62 | 2 | 3.2% |
| FY2015 | 87 | 8 | 9.2% |
| FY2016 | 86 | 21 | 24.4% |
| FY2017 | 61 | 11 | 18.0% |
| FY2018 | 68 | 13 | 19.1% |
| FY2019 | 65 | 12 | 18.5% |
| FY2020 | 69 | — | outstanding |
| FY2021 | 47 | — | outstanding |
| FY2022 | 45 | — | outstanding |
| FY2023 | 42 | — | outstanding |
| FY2024 | 48 | — | outstanding |
| FY2025 | 34 | — | outstanding |
| FY2026 | 19 | — | outstanding |
How to read this
A charge-off means a franchisee borrowed, operated, and failed severely enough that the SBA wrote off the government-guaranteed loan. Unlike franchisor marketing or Item 19 disclosures, this is an observed outcome recorded by a federal agency. One caveat cuts the other way: SBA borrowers are typically less capitalized than all-cash buyers, so these rates can overstate risk for well-funded operators.
How reliable is this number?
Anytime Fitness's figure rests on 601 resolved SBA 7(a) loans approved between fiscal 2010 and 2019. That cohort has matured, so the rate is a settled outcome, not a projection. With 601 resolved loans, the sample is large enough that a single default barely moves the figure. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every Anytime Fitness figure is recomputed from the public SBA FOIA file on each rebuild.
Is Anytime Fitness in financial trouble? What the SBA data shows
Anytime Fitness's SBA 7(a) default rate was 12.6% for loans approved FY2010–FY2019 (76 of 601 loans charged off) — 13th lowest of 30 Fitness and Recreational Sports Centers brands tracked here. A default rate close to the Fitness and Recreational Sports Centers average of 11.4% is, on its own, neither a warning sign nor a reassurance.
Frequently asked
- What is Anytime Fitness's franchise failure rate?
- Anytime Fitness franchisees defaulted on 12.6% of SBA 7(a) loans between FY2010 and FY2019 — 76 of 601 loans were charged off — according to U.S. Small Business Administration data. That is higher than the Fitness and Recreational Sports Centers industry average of 11.4%.
- How does Anytime Fitness compare to other Fitness and Recreational Sports Centers franchises?
- Anytime Fitness's 12.6% SBA default rate is higher than the Fitness and Recreational Sports Centers industry average of 11.4%. See every Fitness and Recreational Sports Centers franchise ranked on the Fitness and Recreational Sports Centers industry page. Fitness and Recreational Sports Centers franchises →
- What does 'SBA default rate' mean?
- An SBA default rate is the share of SBA 7(a) loans, approved FY2010–FY2019 and since resolved (paid in full or charged off), that were charged off — written off after the borrower failed to repay. It is not a measure of unit closures.
- How much does an Anytime Fitness franchise cost?
- Anytime Fitness's 2026 FDD puts the total initial investment (Item 7) at $539,329–$905,482, including an initial franchise fee of $42,500 (Item 5). The average SBA 7(a) loan to an Anytime Fitness franchisee in the 2010s cohort was $377,841.
- Who owns Anytime Fitness?
- Anytime Fitness is franchised by Anytime Fitness Franchisor LLC, according to the brand's FDD (2026).
Source
Source: U.S. Small Business Administration, 7(a) loan program charge-off data, FY2010–FY2019. Franchise data is matched on the SBA's franchise code / brand name. "Failure rate" here means the share of approved loans (resolved: paid in full or charged off) that were charged off; it is not a measure of unit closures. Last updated September 30, 2026.
Every brand in one table, with percentiles and breakdowns by year, industry and loan size: franchise SBA default rates, all 415 brands.
Cite this page
Franchise Default Rates (2026). Anytime Fitness franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 12.6% (76 of 601 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.
https://franchisefailurerates.com/franchise/anytime-fitness/ · Data & methodology · Download the dataset (CSV)