Rush Cycle
The total investment to open a Rush Cycle franchise ranges from $252,380 to $441,100. The initial franchise fee is $45,000. Ongoing royalties are 6% plus a 2% advertising fee.
What is the Rush Cycle franchise?
Rush Cycle is a fitness business offering indoor cycling classes to people seeking group workouts. The estimated total initial investment is $252,380 to $441,100, and the initial franchise fee is $45,000.
The ongoing royalty is 6 percent of sales, and the advertising or brand fund fee is 2 percent. Rush Cycle was founded in 2015 and is headquartered in Bakersfield, California.
Loan Activity Score
21/100
SBA Default Rate
50.0%
Active Lenders
6
According to its Franchise Disclosure Document or public business records, Rush Cycle has 7 locations, all owned by franchisees. Public SBA loan records show 6 lenders made 14 loans to franchisees of Rush Cycle. PeerSense calculates Rush Cycle's score as 21 out of 100, using public SBA loan performance and recent lending activity.
Franchising since 2015 · 7 locations
$252,380 to $441,100
$45,000
7
7 franchised
Proprietary PeerSense metric
LimitedDistinct lenders in public SBA records for Rush Cycle
14
Total SBA loans
$334K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Rush Cycle
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
50.0%
vs 7.9% peer avg
SBA Loans
14
Total Volume
$4.7M
Active Lenders
6
2 selective
States
6
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 Rush Cycle based on SBA lending data
SBA Default Rate
50.0%
42.1% above peer avg
SBA Loan Volume
14 loans
Across 6 lenders
Lender Diversity
6 lenders
Avg 2.3 loans per lender
Investment Tier
Significant investment
$252,380 to $441,100 total
Rush Cycle: 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
2019
6 approvals. The best year on record for Rush Cycle.
Top SBA State
California
5 SBA financed Rush Cycle locations, the densest operator footprint.
Average Loan Size
$334K
Median $325K. Use as a sizing anchor when modeling your own Rush Cycle unit.
Lender Concentration
78.6%
Concentrated
Share of Rush Cycle approvals captured by the top 3 SBA lenders.
Rush Cycle's SBA lending pipeline peaked in 2019 (6 approvals). The last five fiscal years account for 7% of cumulative volume ($500K approved). Operator density is highest in California with 5 SBA financed locations. Average funded ticket sits at $334K, with the median at $325K. Lender mix is concentrated: the top three SBA lenders account for 78.6% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$2,613
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
Rush Cycle, 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