Delta Life Fitness
The total investment to open a Delta Life Fitness franchise ranges from $115,480 to $421,520. The initial franchise fee is $39,500. Ongoing royalties are 6% plus a 2% advertising fee.
What is the Delta Life Fitness franchise?
Delta Life Fitness is a fitness business offering exercise programs to people who want to work out. The estimated total initial investment to open a franchise ranges from $115,480 to $421,520, and the initial franchise fee is $39,500.
The royalty is 6 percent of sales, and the advertising or brand fund fee is 2 percent. Headquarters is in Conroe, TX. The business was founded in 2009.
Loan Activity Score
22/100
SBA Default Rate
20.0%
Active Lenders
6
According to its Franchise Disclosure Document or public business records, Delta Life Fitness has 13 locations, all owned by franchisees. Public SBA loan records show 6 lenders made 15 loans to franchisees of Delta Life Fitness. PeerSense calculates Delta Life Fitness's score as 22 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2009 · 13 locations
$115,480 to $421,520
$39,500
13
13 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Delta Life Fitness
15
Total SBA loans
$283K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Delta Life Fitness
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
20.0%
vs 7.9% peer avg
SBA Loans
15
Total Volume
$4.3M
Active Lenders
6
1 selective
States
5
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 Delta Life Fitness based on SBA lending data
SBA Default Rate
20.0%
12.1% above peer avg
SBA Loan Volume
15 loans
Across 6 lenders
Lender Diversity
6 lenders
Avg 2.5 loans per lender
Investment Tier
Mid range investment
$115,480 to $421,520 total
Delta Life Fitness: Deep SBA Data
Brand specific metrics derived directly from SBA 7(a) approval records: peak lending year, leading state, average loan size, and lender concentration. PeerSense computes these per brand so capital advisors and prospective franchisees can benchmark this opportunity against the rest of the franchise universe.
Peak SBA Year
2020
5 approvals. The best year on record for Delta Life Fitness.
Top SBA State
Texas
9 SBA financed Delta Life Fitness locations, the densest operator footprint.
Average Loan Size
$283K
Median $286K. Use as a sizing anchor when modeling your own Delta Life Fitness unit.
Lender Concentration
80%
Concentrated
Share of Delta Life Fitness approvals captured by the top 3 SBA lenders.
Delta Life Fitness's SBA lending pipeline peaked in 2020 (5 approvals). The last five fiscal years account for 20% of cumulative volume ($1.0M approved). Operator density is highest in Texas with 9 SBA financed locations. Average funded ticket sits at $283K, with the median at $286K. Lender mix is concentrated: the top three SBA lenders account for 80% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,195
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
Delta Life Fitness, 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