Anytime Fitness franchise cost: investment, fees and the SBA default rate

Items 5, 6 and 7 · Anytime Fitness FDD 2026 · Updated 2026

An Anytime Fitness franchise costs $539,329–$905,482 in total initial investment, according to Item 7 of the brand's FDD (2026), including an initial franchise fee of $42,500 (Item 5). Anytime Fitness charges no percentage royalty on sales; Item 6 lists a flat Monthly Fee, currently $842 per month per center. On the lending side, Anytime Fitness franchisees defaulted on 12.6% of SBA 7(a) loans approved FY2010–FY2019 (76 of 601), and the average SBA loan to an Anytime Fitness franchisee in that cohort was $377,841.

How much does it cost to open an Anytime Fitness franchise?

Item 7 of the FDD estimates the total initial investment at $539,329–$905,482. It is the franchisor's own estimate of what a new franchisee spends to open one unit, typically the franchise fee, equipment, premises or vehicle costs, opening inventory and an initial working-capital reserve. The low and high ends usually reflect different unit sizes, leasing versus buying, and local costs. Covers a single start-up Anytime Fitness center, the only format in this FDD's Item 7.

What does the SBA data add?

The federal loan record adds what the FDD cannot: Anytime Fitness franchisees defaulted on 12.6% of SBA 7(a) loans approved FY2010–FY2019 (76 of 601 resolved loans), against the Fitness and Recreational Sports Centers industry average of 11.4%, according to U.S. Small Business Administration data with statuses as of June 30, 2026. Since 2020 they have taken 304 new SBA loans, of which 4 have already charged off.

Set the investment range against the loans: an average SBA loan of $377,841 against the $539,329–$905,482 investment range says roughly how much of a typical Anytime Fitness opening was debt-financed in the 2010s. The brand page has the year-by-year record and the industry comparison.

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.