Fitness Together
The total investment to open a Fitness Together franchise ranges from $2,500 to $524,484. The initial franchise fee is $40,000. Ongoing royalties are 6% plus a 2% advertising fee.
What is the Fitness Together franchise?
Assessing a franchise in the fitness sector requires a clear view of the brand, market, costs, operating model, and risks. Fitness Together was formally founded in 1996 and is headquartered in WESTBOROUGH, MA. Its franchising framework was established in 1960, well before the brand’s formal founding. The system reports 144 franchised units, a stated total unit count of 18, and no company owned locations. Fitness Together focuses on one on one and small group personal training, giving clients an alternative to the less personal experience of large traditional gyms. The global fitness market was valued at approximately $96.1 billion in 2023 and is projected to reach $130.5 billion by 2028, representing a compound annual growth rate of 6.7%. The franchise fee is $41,000, and the initial investment ranges from $38,000 to $300,000. Its operating model is intended to reduce some of the challenges involved in starting an independent fitness business by providing an established approach to client acquisition, service delivery, and retention. The opportunity may suit buyers who want to enter the personalized wellness market through a structured franchise system, but the investment should be assessed against the required capital, local demand, and the buyer’s ability to operate the business effectively.
Fitness and recreational sports centers are part of a global wellness economy that has continued to expand. The worldwide market for fitness services was $96.1 billion in 2023 and is projected to reach $130.5 billion by 2028, with a compound annual growth rate of 6.7% over that period. Greater attention to health, including changes in priorities after the pandemic, has encouraged consumers to seek proactive ways to manage their well being. The aging global population also creates demand for programs that support mobility, strength, and overall health. Many consumers now prefer fitness services shaped around their goals, limitations, workout preferences, nutritional needs, and desire for individual coaching. Industry estimates place annual growth for the personal training segment at 8% to 10%. The sector can offer recurring revenue, service based work tied to customer relationships, and a lower physical entry barrier than some capital intensive industries. Competition remains strong. Large budget gym chains compete with boutique studios and independent trainers, leaving a fragmented market. Fitness Together’s emphasis on individualized, higher value training is intended to reach clients willing to pay for professional guidance and measurable results. Demand for health services may also reduce some of the cyclical risk seen in other consumer businesses, although local competition, pricing, staffing, and retention remain important considerations.
The initial franchise fee for Fitness Together is $41,000. The source describes that amount as being within the typical $30,000 to $60,000 range for established franchise systems and associates the fee with the brand’s intellectual property, operating systems, and initial training. The total initial investment ranges from $38,000 to $300,000. That spread indicates that the required investment may vary according to the selected format, local real estate, build out needs, available equipment, and the buyer’s capital position. A lower cost setup could involve a smaller studio or a space shared with another business, while the higher end could reflect a larger facility with more extensive equipment and a prime location. Prospective franchisees must demonstrate $65,000 in liquid capital and a net worth of $175,000. Ongoing obligations include a royalty fee equal to 6% of gross revenues. Information about an advertising fee is not available in the current data. A buyer reviewing the full cost should also consider working capital, leasehold improvements, equipment, and initial marketing in addition to the stated fee and investment range. The franchise agreement has a 10 year term, giving the owner a defined period to establish the studio, build equity, and seek a return on the investment.
Fitness Together’s operating model centers on one on one and small group personal training. Daily responsibilities generally include managing client schedules, supervising certified personal trainers, pursuing local sales and marketing, and maintaining customer service standards. The studio also depends on strong client relationships and a supportive setting. Staffing is a central operating issue because the business must recruit, train, schedule, and retain qualified certified trainers who can deliver the brand’s workout methods. Depending on the studio’s size and client volume, the team may also include a studio manager for daily oversight and front desk personnel for administrative work and reception. The initial investment range of $38,000 to $300,000 indicates flexibility in the physical format. A location could be a compact training studio designed for efficient trainer use, or a larger facility with additional amenities and specialized training areas. Fitness Together provides initial training covering business ownership, operating procedures, sales, and brand standards. That training is designed to support owners who may not have previous fitness industry experience. Continuing corporate support typically includes operating guidance, proprietary technology for client management and scheduling, marketing materials and strategies, and continuing education for trainers. Specific territory rules are not detailed in the available information. The system’s 144 franchised units and no company owned locations indicate a model centered on franchisee operated studios.
Buyers therefore need to conduct additional due diligence rather than rely on unit level financial claims. Fitness Together has a Loan Activity Score of 41, categorized as Fair, which provides an indicator of franchisee experience and operating conditions but does not replace a unit level financial review. Broader industry information can provide context. Studios offering premium personalized services may charge more than traditional gyms. Recurring training packages can create a more predictable income stream when clients continue their commitments. Client retention is especially relevant because personalized and effective training may support repeat business. The overall fitness market is projected to grow from $96.1 billion in 2023 to $130.5 billion by 2028 at a compound annual growth rate of 6.7%. Those market figures describe industry conditions, not expected results for a particular Fitness Together location. The brand’s history, including its founding in 1996 and franchising framework from 1960, provides context, but operating performance will depend on execution at the individual studio level.
Fitness Together reports a network of 144 franchised units and no company owned locations. The stated total unit count of 18 also appears in the available data, although the 144 franchised units are described as the current active scale of the network. The franchising framework dates to 1960, before the brand was formally founded in 1996. Specific information about net new units during recent periods is not available, so the current count is the clearest measure of the system’s reported scale. The brand has remained in a competitive fitness market for decades, with a focus on one on one and small group training. That service model is intended to build close client relationships, support retention, and encourage referrals. Its stated points of differentiation include a results focused training method, qualified trainers, and a supportive setting that may feel less intimidating than a large general purpose gym. The wider industry has also adopted digital tools and hybrid fitness formats. Although specific Fitness Together initiatives are not detailed, personal training businesses may use online booking, client progress tracking, virtual coaching that supplements studio sessions, and technology for daily management. These tools can improve access and add service options when implemented effectively. The brand’s value proposition rests on delivering a higher touch service that can command higher prices and encourage client loyalty, giving the model a way to compete with lower cost and more standardized fitness offerings.
A suitable Fitness Together owner should combine an interest in health and wellness with business judgment, organization, and leadership. Previous fitness experience may help, but it is not required by the information provided because the training and support program is designed for people from varied professional backgrounds. The owner must be committed to client results, able to motivate and manage certified personal trainers, and prepared to maintain the expected customer service experience. Strong candidates should also be ready to handle local marketing, community involvement, scheduling, staff management, and the financial demands of the business. The stated financial requirements include $65,000 in liquid capital and a $175,000 net worth. The available information does not set out multi unit expectations. However, a system with 144 franchised units may offer qualified and successful franchisees the possibility of pursuing additional units or territories, subject to performance and market availability. The practical focus is to establish and operate one location successfully before considering expansion. Fitness Together is seeking to expand its footprint, so territory availability should be reviewed during the discovery process. New locations may be considered in underserved markets or areas with demographic characteristics that support personalized fitness services. The period from signing the franchise agreement to opening a studio can vary with real estate, construction, and local permitting, and generally ranges from six to twelve months. The agreement term is 10 years, giving the owner time to establish the location and develop the business within the assigned market.
Fitness Together may suit an entrepreneur seeking a personal training concept within a growing fitness market and who is prepared to operate a service business closely tied to client relationships. The industry is projected to grow from $96.1 billion in 2023 to $130.5 billion by 2028 at a compound annual growth rate of 6.7%. Fitness Together traces its franchising framework to 1960 and its formal founding to 1996. The initial investment ranges from $38,000 to $300,000, with a $41,000 franchise fee, and the reported network includes 144 franchised units. The Loan Activity Score is 41, categorized as Fair. The 10 year franchise term provides time to build the location and pursue a return, while the required $65,000 in liquid capital and $175,000 net worth set a meaningful financial threshold.
Loan Activity Score
41/100
SBA Default Rate
22.5%
Active Lenders
58
According to its Franchise Disclosure Document or public business records, Fitness Together has 93 locations, all owned by franchisees. Public SBA loan records show 58 lenders made 138 loans to franchisees of Fitness Together. PeerSense calculates Fitness Together's score as 41 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.
Franchising since 1996 · 93 locations
$2,500 to $524,484
$40,000
93
93 franchised
Proprietary PeerSense metric
FairDistinct lenders in public SBA records for Fitness Together
138
Total SBA loans
$116K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Fitness Together
Loan Activity Score Breakdown
Major Brand (100+ 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
22.5%
vs 10.8% peer avg
SBA Loans
138
Total Volume
$16.0M
Active Lenders
58
14 selective
States
30
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 Fitness Together based on SBA lending data
SBA Default Rate
22.5%
11.7% above peer avg
SBA Loan Volume
138 loans
Across 58 lenders
Lender Diversity
58 lenders
Avg 2.4 loans per lender
Investment Tier
Mid range investment
$2,500 to $524,484 total
Fitness Together: 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
2008
21 approvals. The best year on record for Fitness Together.
Top SBA State
Massachusetts
25 SBA financed Fitness Together locations, the densest operator footprint.
Average Loan Size
$116K
Median $108K. Use as a sizing anchor when modeling your own Fitness Together unit.
Lender Concentration
27.6%
Moderately Spread
Share of Fitness Together approvals captured by the top 3 SBA lenders.
Fitness Together's SBA lending pipeline peaked in 2008 (21 approvals). The last five fiscal years account for 5% of cumulative volume ($1.4M approved). Operator density is highest in Massachusetts with 25 SBA financed locations. Average funded ticket sits at $116K, with the median at $108K. Lender mix is moderately spread: the top three SBA lenders account for 27.6% of approvals. Meaningful choice exists, but specific lenders carry the brand.
Payment Estimator
Estimated Monthly Payment
$26
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
Fitness Together, unit breakdown
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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; 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