Anytime Fitness vs Club Pilates
Anytime Fitness vs Club Pilates: Anytime Fitness costs $459K to $908K to open; Club Pilates costs $385K to $839K. Anytime Fitness has 914 units, Club Pilates has 237. SBA loan history: Anytime Fitness = 1,274 loans (7.4% default); Club Pilates = 281 loans (0.0% default). The franchise with more SBA funded units, a lower SBA default rate, and a lower royalty load is the safer financing bet; see the comparison below.
Anytime Fitness vs Club Pilates: Capital, Scale & Lending Analysis
Analysis based on FDD filings and SBA 7(a) loan level data. Each pairing reflects a unique combination of capital intensity, system scale, and financing path.
Capital Intensity
Club Pilates requires the lower minimum capital commitment ($385K vs $459K for Anytime Fitness), a 19% spread. Initial franchise fees come in at $43K for Anytime Fitness versus $65K for Club Pilates, Anytime Fitness has the lower entry fee.
System Scale & Tenure
On scale, Anytime Fitness operates 914 units to Club Pilates's 237, roughly 4× the system size. Anytime Fitness has been operating 24 years (founded 2002) versus 19 for Club Pilates (founded 2007), a 5-year tenure gap that affects unit-economics maturity and FDD revision history.
SBA Lending Profile
Anytime Fitness has the deeper SBA lending track record, with 1,274 7(a) approvals compared with 281 for Club Pilates. Anytime Fitness's peak SBA year was 2019 (106 loans); Club Pilates's peak was 2019 (65 loans). Club Pilates's more recent peak generally indicates fresher lender appetite. Anytime Fitness has the most SBA funded units in TX, with 121. Club Pilates leads in CA, with 57. Borrowers should pick the brand whose strongest SBA state matches their own state for warmer lender introductions. Average SBA loan size on funded Anytime Fitness deals is $405K vs $273K for Club Pilates, useful as a sizing anchor when modeling your own unit.
Risk Signal
SBA default rates are 7.4% for Anytime Fitness and 0.0% for Club Pilates, Club Pilates has the cleaner SBA loss record by 7.4 points. PeerSense FPI scores come in at 67 (Strong) for Anytime Fitness and 61 (Moderate) for Club Pilates, giving Anytime Fitness the stronger composite signal across SBA performance, lender appetite, and operational consistency.
Health & Performance
FPI Score | 67/100 | 61/100 |
Health Tier | Strong | Moderate |
Confidence | N/A | N/A |
Lending Trend | Declining | Declining |
SBA Lending
SBA Loans | 1,274 | 281 |
SBA Volume | – | – |
Default Rate | 7.4% | 0.0% |
Peer Tier | major | major |
Investment & Costs
Total Investment | $459K to $908K | $385K to $839K |
Franchise Fee | $43K | $65K |
Royalty Rate | 699% | 7% |
Ad Fund | N/A | 2% |
Liquid Capital | $100K | $100K |
Net Worth Required | $350K | $500K |
Financial Performance (Item 19)
Item 19 Status | Disclosed | Disclosed |
System Size & Operations
Total Units | 914 | 237 |
Franchised Units | 914 | 237 |
Company Owned | – | – |
Term Length | 5 yrs | 10 yrs |
Brand Information
Year Founded | 2002 | 2007 |
Franchising Since | 1960 | 2012 |
Years Franchising | 66 yrs | 14 yrs |
Headquarters | Woodbury, MN | BAKERSFIELD, CA |
Category | Fitness | Fitness |
Website | ||
FDD Year | 2025 | 2026 |
Which Is Better, Anytime Fitness or Club Pilates?
Lower upfront capital required
Club Pilates
Anytime Fitness: $459K starting · Club Pilates: $385K starting
More SBA lender confidence
Anytime Fitness
Anytime Fitness: 1,274 SBA loans · Club Pilates: 281 SBA loans
Lower SBA default rate
Club Pilates
Anytime Fitness: 7.4% · Club Pilates: 0.0%
Larger system & brand presence
Anytime Fitness
Anytime Fitness: 914 units · Club Pilates: 237 units
Lower ongoing royalty load
Club Pilates
Anytime Fitness: 699% · Club Pilates: 7%
More lender financing options
Anytime Fitness
Anytime Fitness: 304 unique lenders · Club Pilates: 55 unique lenders
Decision matrix uses publicly disclosed FDD and SBA loan data. Not a recommendation. Your best franchise depends on capital, market, operating capacity, and risk tolerance.
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About These Franchises
Anytime Fitness vs Club Pilates: Franchise Funding Comparison
Comparing Anytime Fitness and Club Pilates is about more than brand preference. It's about which franchise fits your financial profile and funding strategy. Investment ranges from $385K to $908K.
Anytime Fitness has 1,274 SBA loans on record and Club Pilates has 281. Those totals are cumulative history rather than a measure of current appetite. Recent lending activity is trending down for at least one of these brands, so current lender appetite has to be checked deal by deal rather than assumed from the totals.
SBA 7(a) loans are the most common franchise funding vehicle, offering up to $5M with as little as 10% down. PeerSense connects franchise buyers with the specific lenders who have approved loans for these brands, not generic referrals, but lenders with actual franchise lending track records.
Data sourced from SBA loan records, Franchise Disclosure Documents, and public filings. Updated regularly. Not financial advice, consult with a lending professional before making investment decisions.
Anytime Fitness vs Club Pilates, Frequently Asked Questions
Which is a better franchise investment, Anytime Fitness or Club Pilates?
How much does a Anytime Fitness franchise cost compared to Club Pilates?
Can I finance Anytime Fitness or Club Pilates with an SBA loan?
Which has a lower SBA default rate, Anytime Fitness or Club Pilates?
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Page Review
Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; the capital source sets final terms.
- Edward L. Freeman founded PeerSense in January 2020.
- He is a Registered Franchise Consultant with Business Alliance, Inc., a credential issued in March 2022, and worked as a franchise consultant there from March 2022 to May 2023.
- His recorded experience includes a $22 million SBA construction loan, with about $16 million funded on the deal.
- In the 12 months through September 30, 2026, PeerSense tracked 912 publicly announced financings with a disclosed size of $361.32 billion. PeerSense Capital Data Report · Methodology page
Last reviewed LinkedIn profileAbout Edward Freeman