123 FIT FRANCHISING
The total investment to open a 123 FIT FRANCHISING franchise ranges from $123,000 to $211,175. The initial franchise fee is $20,000.
What is the 123 FIT FRANCHISING franchise?
123 FIT FRANCHISING is a fitness center where customers can exercise. The estimated total initial investment is $123,000 to $211,175, and the initial franchise fee is $20,000.
The franchise is based in Denver, CO.
Loan Activity Score
17/100
SBA Default Rate
40.0%
Active Lenders
9
According to its Franchise Disclosure Document or public business records, 123 FIT FRANCHISING has 10 locations, all owned by franchisees. Public SBA loan records show 9 lenders made 10 loans to franchisees of 123 FIT FRANCHISING. PeerSense calculates 123 FIT FRANCHISING's score as 17 out of 100, using public SBA loan performance and recent lending activity.
10 locations
$123,000 to $211,175
$20,000
10
10 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for 123 FIT FRANCHISING
10
Total SBA loans
$122K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for 123 FIT FRANCHISING
Loan Activity Score Breakdown
Growing (10 to 24 loans)
Are lenders increasingly or decreasingly funding this brand? Growing trends score highest.
Blended default rate (recent + all time) compared to NAICS sector peers.
Quality lenders actively backing this brand, with penalty for lender pullback.
FDD availability, Item 19 disclosure, and overall data completeness.
Geographic spread of SBA funded locations across states.
SBA Lending Performance
SBA Default Rate
40.0%
vs 7.9% peer avg
SBA Loans
10
Total Volume
$1.2M
Active Lenders
9
States
6
vs. SBA Sector Average
SBA loan default rate vs. all franchises in the same NAICS sector, not limited to direct competitors
Key Highlights
Franchise Financing Resources
Data Insights
Key performance metrics for 123 FIT FRANCHISING based on SBA lending data
SBA Default Rate
40.0%
32.1% above peer avg
SBA Loan Volume
10 loans
Across 9 lenders
Lender Diversity
9 lenders
Avg 1.1 loans per lender
Investment Tier
Mid range investment
$123,000 to $211,175 total
Payment Estimator
Estimated Monthly Payment
$1,273
Principal & Interest only
Indicative only, as of October 1, 2026. Not a quote, commitment or offer of credit. Final pricing, leverage and terms are determined by the lender at underwriting, after full transaction materials are reviewed. PeerSense sources the file. The lender sets pricing. What these terms mean.
Locations
123 FIT FRANCHISING, unit breakdown
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Reviewed by Edward L. Freeman, Founder and Managing Director, PeerSense
- PeerSense is a capital advisory firm that places commercial financing with direct capital sources; it does not lend, fund, or approve loans, and 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