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Overtime Athletics

Overtime Athletics

Franchising since 2003 · 1 locations

The initial franchise fee is $35,000. Ongoing royalties are 5%. Overtime Athletics currently operates 1 locations (1 franchised). The top SBA 7(a) lenders for Overtime Athletics are The Huntington National Bank. PeerSense FPI health score: 44/100.

Franchise Fee

$35,000

Total Units

1

1 franchised

FPI Score
Low
44

Proprietary PeerSense metric

Fair
Capital Partners
1lenders available

Active capital sources verified for Overtime Athletics financing

SBA

7(a) Eligible

21d

Avg Funding

P+2.25%

Best Rate

No retainers · Referral fee at closing

FPI Score Breakdown

New/Niche (1-2 loans)

Limited Data
44out of 100
Fair

SBA Lending Performance

SBA Default Rate

0.0%

0 of 2 loans charged off

SBA Loans

2

Total Volume

$0.1M

Active Lenders

1

States

1

Top SBA Lenders for Overtime Athletics

What is the Overtime Athletics franchise?

Every parent of a 6-year-old has faced the same afternoon dilemma: structured sports leagues are too intense and too expensive, recreational parks offer no instruction, and screen time keeps winning by default. Overtime Athletics was built to solve exactly that problem. Founded in 2003 in Northern Virginia by Chris Whelan and Chris Horich, the company launched its inaugural program in Stamford, Connecticut, with a clear thesis — that elementary-aged children deserve high-quality athletic instruction delivered in a fun, non-competitive environment that emphasizes skill development over scoreboards. More than two decades later, that thesis has evolved into a multi-state franchise network operating across 23 states in the United States, with 41 franchised locations documented in the 2024 Franchise Disclosure Document and zero company-owned units, a structure that signals a franchise-first growth philosophy rather than a hybrid corporate-retail model. Headquartered in Sterling, Virginia, Overtime Athletics operates within the fitness and recreational sports centers category, a sector valued at over $19 billion in youth sports alone within the United States and embedded in the broader global fitness and recreational sports market, which reached an estimated $123.77 billion in 2024. The franchise has been recognized in Entrepreneur Magazine's "Top New Franchises" ranking, a designation earned through evaluation across more than 150 data points covering costs and fees, franchisee support, brand strength, and financial stability. For franchise investors, this recognition matters: it provides independent third-party validation of a system that has been expanding since it began offering franchising opportunities in 2010. This analysis is produced by PeerSense as independent franchise intelligence — not marketing copy, not franchisor-sponsored content — and is designed to give serious investors the data density required for informed capital allocation decisions around the Overtime Athletics franchise opportunity.

The market environment surrounding the Overtime Athletics franchise investment could not be more structurally favorable. The U.S. youth sports market alone exceeds $19 billion in annual value, and the broader global fitness and recreational sports centers market is projected to grow from approximately $148 billion in 2025 to $180.44 billion by 2033, representing a compound annual growth rate of 4.06% over that period. More aggressive forecasts from Technavio project a market size increase of $107.16 billion between 2025 and 2030, at a CAGR of 9.2%. The most relevant end-user statistic for Overtime Athletics investors is this: the kids and children segment is the single fastest-growing end-user cohort in the entire fitness and recreational sports centers industry, projected to expand at a 9.24% compound annual growth rate through 2031. North America dominates the global market with a 38.44% share in 2025, meaning the primary geography in which Overtime Athletics operates captures the largest single regional slice of global fitness spending. Consumer trends driving this growth include heightened health and wellness consciousness among parents, rising demand for structured youth programming that delivers developmental outcomes beyond athletics, and a cultural shift toward inclusive, non-competitive environments that prioritize participation over performance rankings. Parents are actively seeking programs that introduce children to multiple sports without the psychological pressure of zero-sum competition. Overtime Athletics has built its entire curriculum around exactly this behavioral shift, offering instruction across 20 different sports — including soccer, basketball, lacrosse, tennis, football, baseball, hockey, cheerleading, and running — for children aged 3 to 14, which precisely targets the fastest-growing segment in the fastest-growing regional market within a $148 billion global industry. The franchise also benefits from the secular tailwind of increasing parental investment in childhood development, where extracurricular programming budgets are treated as near-essential household expenditures even during inflationary cycles.

The Overtime Athletics franchise cost structure is one of the most compelling financial entry points in the youth sports sub-sector, and understanding the full economics requires precise benchmark comparison. The initial franchise fee is $35,000, though some disclosure sources cite an alternative figure of $20,000, making direct verification through the current Franchise Disclosure Document essential before any investment decision. The total initial investment range varies across reporting sources, with figures spanning from $45,900 on the low end to $73,000 on the high end, with intermediate ranges of $46,000 to $59,000 and $54,900 to $65,600 also cited across different periods. Regardless of which specific range applies to the current FDD cycle, every version of this investment range sits dramatically below the youth sports sub-sector average of $134,419 to $306,564, meaning the Overtime Athletics franchise investment represents an entry point roughly 50% to 80% below competitive category norms. Liquid capital required is $20,000, with working capital for the first three months of operations estimated at $10,000 to $25,000. The itemized investment breakdown reveals an extremely asset-light cost architecture: real property costs are listed at $0 — because the model does not require a dedicated physical location, instead operating programs through school facilities, community centers, and partner venues. Equipment and supplies run $1,000 to $2,500, start-up marketing ranges from $500 to $2,500, technology and office equipment from $0 to $2,000, insurance from $700 to $6,000, professional fees from $500 to $1,500, and licenses and bonds from $200 to $1,000. Training-related out-of-pocket expenses add $500 to $1,000. The royalty structure is particularly notable: there are no royalty fees until annual revenue exceeds $250,000, at which point a 5% royalty applies with a minimum of $1,200 per quarter, collected quarterly rather than weekly or monthly, providing meaningful cash flow flexibility during the startup phase. Overtime Athletics offers a 15% discount for veterans. The franchise agreement runs an initial term of 10 years with a renewal term of an additional 10 years. Financing considerations should include the low liquid capital threshold of $20,000 and the absence of real estate buildout costs, which collectively make this one of the more accessible franchise investments in the fitness and recreational sports category.

Daily operations for an Overtime Athletics franchisee are fundamentally relationship-driven rather than facility-dependent, which distinguishes this operating model sharply from most fitness franchise formats that require leased locations, equipment maintenance, and front-desk staffing at a fixed address. Franchisees build their customer base by establishing partnerships with elementary schools, PTAs, parent organizations, and community educational facilities, creating what the company describes as an automatic built-in customer base through institutional relationships rather than walk-in retail traffic. Programs serve children aged 5 to 13, with some franchise territories also offering preschool programming for 4-year-olds, and the core curriculum covers the fundamentals of 20 different sports in a structured, non-competitive environment designed around fun and safety. Franchisees are expected to build and manage a team of coaches — professional coaching staff carefully selected and trained for both athletic expertise and the ability to connect with young children — making labor recruitment and retention a central operational skill. Revenue streams are diversified across after-school programs, summer camps, birthday parties, leagues, and clinics, reducing dependence on any single program format and providing both recurring seasonal revenue and event-based income. The training program for new franchise owners combines classroom instruction with hands-on field training, designed to prepare first-time business owners for a confident launch without prior youth sports industry experience. Ongoing corporate support includes brand awareness initiatives, marketing assistance, computer and technology support, a strong web presence, networking training, and continued operational support after opening. Overtime Athletics employs a curriculum-based approach, giving franchisees a clear operational framework rather than requiring them to develop programming independently. Territory agreements include provisions for territorial development and sales quotas, meaning franchisees are expected to actively develop their assigned geographies and meet performance benchmarks rather than passively hold territory rights. The business model supports an owner-operator format and is described as scalable without requiring significant additional capital to expand within a territory.

Item 19 financial performance data is not disclosed in the current Franchise Disclosure Document for Overtime Athletics. This is a material fact for any investor conducting serious due diligence. The absence of Item 19 disclosure means that specific average revenue per unit, median unit revenue, top-quartile performance figures, and owner-level profit margins have not been formally disclosed by the franchisor, and any specific figures encountered in third-party marketing materials should be treated with appropriate skepticism until verified through direct franchisee conversations. The FDD does provide a list of existing franchisees, and prospective investors should treat direct outreach to those operators as a non-negotiable step in the due diligence process. What the available public data does reveal is instructive for framing unit economics expectations. The business model is structured to be cash-positive from early operations: franchisees collect program fees in advance and then budget expenses accordingly, eliminating the need for business lines of credit or inventory financing. With a total initial investment ceiling in the $65,000 to $73,000 range and a royalty structure that charges nothing until annual revenue crosses $250,000, the break-even math is structurally favorable relative to franchise investments requiring three to five times as much capital upfront. The youth sports sub-sector generates substantial per-participant spending, with parents in the United States consistently ranking youth athletic programming as a non-discretionary budget category. The franchise's diversified revenue model — spanning after-school programs, summer camps, clinics, birthday parties, leagues, and private coaching — creates multiple income channels within a single territory, which operationally reduces the vulnerability of relying on a single program format to carry all unit-level revenue. The PeerSense FPI Score for Overtime Athletics is rated 44, categorized as Fair, which prospective investors should weigh alongside the brand's structural cost advantages and the absence of Item 19 financial disclosures when forming an overall investment assessment.

The growth trajectory of the Overtime Athletics franchise reflects a methodical expansion strategy rather than aggressive hypergrowth, and that measured pace carries specific implications for both system health and territory availability. The company began franchising in 2010, giving the system more than 14 years of franchise operating history, though franchising activity appears to have accelerated meaningfully around 2016 and 2017 based on parallel reporting. As of the 2024 FDD, the system comprises 41 franchised locations across 23 states, with the largest geographic concentration in the South, which accounts for 18 of the total locations. Recent franchise signings confirm continued momentum: a new franchisee launched in Greater Fort Collins, Colorado as of March 10, 2026, another in Greater Warrenton, Virginia as of March 6, 2026, and Jordan Pruitt secured the Knoxville, Tennessee territory in a separate recent signing, indicating that new territory development is actively occurring across geographically diverse markets. The company's recognition in Entrepreneur Magazine's "Top New Franchises" ranking — evaluated across over 150 data points — provides external validation of system quality beyond self-reported metrics. The competitive moat for Overtime Athletics is built around three structural advantages: a proprietary multi-sport curriculum covering 20 sports in a non-competitive format that is genuinely differentiated from both recreational leagues and single-sport instruction programs; an institutional partnership model with schools and PTAs that creates recurring distribution channels competitors cannot easily replicate; and an asset-light operating model that requires no fixed real estate, producing structural cost advantages that persist regardless of local commercial lease market conditions. The franchise has also benefited from growing institutional awareness of inclusion-focused youth programming, a trend that has moved from a niche preference to a mainstream parental expectation over the past decade, as child development research continues to validate non-competitive early-sports exposure as more effective for long-term athletic participation rates than early specialization and competitive pressure.

The ideal Overtime Athletics franchisee candidate does not require prior experience in youth sports management or franchise operations, a deliberate system design choice that expands the eligible candidate pool substantially. The training program is explicitly built to prepare first-time business owners, which means candidates with backgrounds in education, community organization, nonprofit management, parent advocacy, or general small business operations are all viable profiles. The operational core competency is relationship development — specifically the ability to build institutional partnerships with schools, PTAs, and community organizations — making candidates with strong community ties and interpersonal networks particularly well-positioned for rapid territory development. Franchisees should be prepared to recruit and manage a coaching staff, so prior experience in hiring, training, or team leadership is a meaningful advantage even if not a hard requirement. The franchise agreement runs an initial term of 10 years with a 10-year renewal option, providing a long-horizon business ownership structure suitable for operators who want to build lasting community equity rather than pursue a short-cycle resale strategy. With 23 states currently represented in the network and the system comprising 41 units as of the 2024 FDD, significant white-space territory remains available across the United States, particularly in regions outside the South where existing franchisee density is lower. The minimum liquid capital threshold of $20,000 and total investment ceiling in the $73,000 range make this franchise accessible to candidates who might not qualify for or choose to take on the capital exposure associated with investments in the $134,000 to $306,000 youth sports sub-sector average range. Veterans benefit from an explicit 15% discount on the franchise fee, reducing the already-accessible entry cost further for military community members seeking a purpose-driven business with direct community impact.

The Overtime Athletics franchise opportunity presents a genuinely distinctive investment thesis within the fitness and recreational sports franchise category: a 20-year-old brand with an asset-light operating model, no real estate overhead, a royalty structure that waives fees until annual revenue crosses $250,000, a total initial investment range of $45,900 to $73,000 that sits dramatically below the $134,419 to $306,564 youth sports sub-sector average, and a curriculum operating in the fastest-growing end-user segment — children and youth — within a global fitness market projected to grow from $148 billion in 2025 toward $180 billion by 2033. The structural alignment between Overtime Athletics' non-competitive, multi-sport programming model and the dominant consumer trends shaping parental spending on youth development is not coincidental — it reflects a foundational design choice made in 2003 that has become more commercially relevant, not less, with each passing year. The primary considerations for diligent investors are the absence of Item 19 financial performance disclosures, which requires deeper direct outreach to the 41 existing franchisees listed in the FDD, and the PeerSense FPI Score of 44, rated Fair, which warrants examination against the brand's cost structure, growth signals, and competitive positioning. PeerSense provides exclusive due diligence data including SBA lending history, FPI score analysis, location maps with Google ratings, FDD financial data, and side-by-side comparison tools that allow investors to benchmark Overtime Athletics against every competing franchise in the fitness and recreational sports centers category. No investor should make a capital commitment of this magnitude without independent data, and no independent data source covers the Overtime Athletics franchise with greater depth than what PeerSense has compiled. Explore the complete Overtime Athletics franchise profile on PeerSense to access the full suite of independent franchise intelligence data.

FPI Score

44/100

SBA Default Rate

0.0%

Active Lenders

1

Key Highlights

Low SBA default rate (0.0%)

Data Insights

Key performance metrics for Overtime Athletics based on SBA lending data

SBA Default Rate

0.0%

0 of 2 loans charged off

SBA Loan Volume

2 loans

Across 1 lenders

Lender Diversity

1 lenders

Avg 2.0 loans per lender

Overtime Athletics — 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

2024

2 approvals — best year on record for Overtime Athletics.

Top SBA State

Ohio

2 SBA-financed Overtime Athletics locations — the densest operator footprint.

Average Loan Size

$33K

Median $33K — use as a sizing anchor when modeling your own $Overtime Athletics unit.

Lender Concentration

100%

Concentrated

Share of Overtime Athletics approvals captured by the top 3 SBA lenders.

Overtime Athletics's SBA lending pipeline peaked in 2024 (2 approvals). The last five fiscal years account for 100% of cumulative volume ($66K approved). Operator density is highest in Ohio with 2 SBA-financed locations. Average funded ticket sits at $33K, with the median at $33K. Lender mix is concentrated: the top three SBA lenders account for 100% of approvals — credit decisions concentrate with a small group of incumbents.

Payment Estimator

Loan Amount$400K
Interest Rate9.5%
Term (Years)10 yr

Estimated Monthly Payment

$5,176

Principal & Interest only

Locations

Overtime Athleticsunit breakdown

Total Units
N/A
Franchisee Owned
System Owned
Closed

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Overtime Athletics