Manufacturers and Traders Trust Company Anytime Fitness SBA Loans in New York — 4 Funded
New York loan data 2013–2019 · Updated June 2026
Manufacturers and Traders Trust Company has funded 4 SBA loans to Anytime Fitness franchisees in New York, totaling $778K in approved financing across 3 cities.
The average Anytime Fitness loan in New York from Manufacturers and Traders Trust Company is $195K at a 6.83% average interest rate, with terms averaging 82 months. The New York default rate is 50% based on 4 resolved loans — 14.3 points higher than Manufacturers and Traders Trust Company's national Anytime Fitness default rate of 35.7%. New York represents 21.1% of Manufacturers and Traders Trust Company's total Anytime Fitness lending nationally. These loans collectively support 19 New York jobs. SBA-guaranteed portion totals $564K (62.5% of approved volume).
How New York Compares to Manufacturers and Traders Trust Company's National Anytime Fitness Lending
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Manufacturers and Traders Trust Company Anytime Fitness Loan Performance in New York
Based on 4 SBA loans originated by Manufacturers and Traders Trust Company for Anytime Fitness franchisees with New York addresses, the New York-specific lending relationship spans 2013–2019. Of 4 resolved New York loans, 2 were paid in full and 2 resulted in chargeoffs.
The New York loan size range extends from $25K to $513K, indicating Manufacturers and Traders Trust Company funds both smaller single-unit Anytime Fitness operations and larger multi-unit or renovation projects in New York. Each loan supports an average of 5 jobs in the local economy, and the portfolio collectively supports 19 New York jobs. Most New York Anytime Fitness loans from Manufacturers and Traders Trust Company are classified under "Fitness and Recreational Sports Centers" (NAICS).
Recent activity: Manufacturers and Traders Trust Company has originated 0 Anytime Fitness New York loans in the last 2 fiscal years. The most recent Anytime Fitness New York approval recorded is from FY2019. Note: lack of recent activity may indicate Manufacturers and Traders Trust Company has paused, slowed, or exited Anytime Fitness New York lending — borrowers should verify current appetite directly.
SBA guarantee profile: The SBA-guaranteed portion of Manufacturers and Traders Trust Company's Anytime Fitness New York loans averages 62.5% of approved volume, totaling $564K in federally-backed exposure. 7(a) loans typically carry a 75-85% guarantee, so a higher percentage suggests a smaller-loan/SBA Express mix; lower suggests larger PLP deals where the lender retains more risk.
The 50% New York default rate is above the SBA portfolio average. This may reflect local market conditions, the specific New York cities funded, or the economic cycle when these loans originated. Prospective borrowers should compare this to other New York lenders who have funded Anytime Fitness (shown below) and consider multiple options before committing.
SBA Programs Used for Anytime Fitness Loans in New York
| Program | Loans | Avg Size | Avg Rate | Avg Term |
|---|---|---|---|---|
| SBA 7A | 4 | $195K | 6.83% | 82 mo |
Anytime Fitness Loan Size Distribution from Manufacturers and Traders Trust Company in New York
How Manufacturers and Traders Trust Company's Anytime Fitness New York loan sizes break down by deal size. Useful for sizing your own deal: where do most New York Anytime Fitness approvals land?
| Loan Size Range | Loans | Avg Loan Size | % of New York Loans |
|---|---|---|---|
| Under $150K | 2 | $40K | 50% |
| $150K-$350K | 1 | $185K | 25% |
| $350K-$750K | 1 | $513K | 25% |
How Manufacturers and Traders Trust Company Originates Anytime Fitness Loans in New York
SBA delivery method matters: Preferred Lenders Program (PLP) closes 2-3 weeks faster than General Processing because the lender holds full credit authority. Manufacturers and Traders Trust Company uses 3 different New York delivery methods for Anytime Fitness:
| Delivery Method | Loans | Avg Loan Size |
|---|---|---|
| SBA Express Program | 2 | $40K |
| Small Loan Advantage Initiative | 1 | $185K |
| Preferred Lenders Program | 1 | $513K |
Where in New York Manufacturers and Traders Trust Company Funds Anytime Fitness Locations
| City | Loans | Avg Loan Size | Total Volume | Default Rate |
|---|---|---|---|---|
| Cicero | 2 | $269K | $538K | 50% — High Risk |
| Cicero | 1 | $55K | $55K | 100% — High Risk |
| Binghamton | 1 | $185K | $185K | 0% — Low Risk |
Manufacturers and Traders Trust Company's strongest Anytime Fitness lending presence in New York is concentrated in Cicero (2 loans), Cicero (1 loans), Binghamton (1 loans).
Manufacturers and Traders Trust Company Anytime Fitness Lending in New York Over Time
| Year | Loans | Avg Size | Total Volume | Avg Rate |
|---|---|---|---|---|
| 2019 | 1 | $55K | $55K | 8.5% |
| 2018 | 2 | $269K | $538K | 6.88% |
| 2013 | 1 | $185K | $185K | 5.05% |
Other Lenders That Fund Anytime Fitness in New York
Manufacturers and Traders Trust Company is not the only lender funding Anytime Fitness in New York. Compare 2 other banks who have originated Anytime Fitness SBA loans to New York borrowers.
| Lender | New York Loans | Avg Size | Default Rate |
|---|---|---|---|
| Manufacturers and Traders Trust Company (this page) | 4 | $195K | 50% — High Risk |
| Wells Fargo Bank National Association | 4 | $486K | 50% — High Risk |
| Live Oak Banking Company | 3 | $1.4M | 0% — Low Risk |
Other Franchises Manufacturers and Traders Trust Company Funds in New York
Manufacturers and Traders Trust Company is active in New York franchise lending beyond Anytime Fitness. Other New York franchise brands they have funded:
Manufacturers and Traders Trust Company Anytime Fitness Lending in Other States
Manufacturers and Traders Trust Company has also funded Anytime Fitness franchisees in 4 other states. View state-specific data:
How to Get an SBA Loan for a Anytime Fitness Franchise in New York
If you're considering a Anytime Fitness franchise in New York and want to finance through Manufacturers and Traders Trust Company or another SBA lender, here's what you need to know based on our analysis of 4 historical New York loans.
Verify Your Qualifications
Most SBA franchise loans require a 680+ credit score, 20-30% down payment, and relevant industry or management experience.Anytime Fitness's franchise fee and total investment determine minimum capital requirements.
Compare New York Lenders
3 lenders have funded Anytime Fitness in New York. Lenders with more local Anytime Fitness experience typically close faster because they understand both the brand and the local market. Compare rates, default rates, and city coverage above.
Get Pre-Qualified
PeerSense matches New York borrowers with lenders who have a proven track record funding Anytime Fitness in your state. No retainers — our referral fee is paid at closing. Get matched in 24 hours.
Expected loan terms based on New York historical data: The average Anytime Fitness SBA loan from Manufacturers and Traders Trust Company in New York is $195K with a 6.83% interest rate and a 82-month term.New York loan amounts range from $25K to $513K.
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