My Gym
The total investment to open a My Gym franchise ranges from $240,800 to $425,600. The initial franchise fee is $55,000. Ongoing royalties are 7% plus a 1% advertising fee.
What is the My Gym franchise?
My Gym offers fitness classes and recreational activities for children. The estimated total initial investment is $240,800 to $425,600, and the initial franchise fee is $55,000, according to the 2026 Franchise Disclosure Document.
The royalty is 7 percent of sales, and the advertising or brand fund fee is 1 percent. The franchise agreement term is 12 years. My Gym is headquartered in FL and began franchising in 1995.
Loan Activity Score
34/100
SBA Default Rate
30.3%
Active Lenders
22
Franchisees account for 162 of My Gym's 166 locations. Public SBA loan records show 22 lenders made 89 loans to franchisees of My Gym. PeerSense calculates My Gym's score as 34 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.
166 locations
$240,800 to $425,600
$55,000
166
162 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for My Gym
89
Total SBA loans
$171K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for My Gym
Loan Activity Score Breakdown
Established (25 to 99 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
30.3%
vs 10.8% peer avg
SBA Loans
89
Total Volume
$15.2M
Active Lenders
22
3 selective
States
29
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 My Gym based on SBA lending data
SBA Default Rate
30.3%
19.5% above peer avg
SBA Loan Volume
89 loans
Across 22 lenders
Lender Diversity
22 lenders
Avg 4.0 loans per lender
Investment Tier
Significant investment
$240,800 to $425,600 total
My Gym: 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
2005
16 approvals. The best year on record for My Gym.
Top SBA State
California
13 SBA financed My Gym locations, the densest operator footprint.
Average Loan Size
$171K
Median $150K. Use as a sizing anchor when modeling your own My Gym unit.
Lender Concentration
69.7%
Concentrated
Share of My Gym approvals captured by the top 3 SBA lenders.
My Gym's SBA lending pipeline peaked in 2005 (16 approvals). The last five fiscal years account for 6% of cumulative volume ($1.0M approved). Operator density is highest in California with 13 SBA financed locations. Average funded ticket sits at $171K, with the median at $150K. Lender mix is concentrated: the top three SBA lenders account for 69.7% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$2,493
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
My Gym, 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