Sweat440
The total investment to open a Sweat440 franchise ranges from $350,000 to $538,800. The initial franchise fee is $60,000. Ongoing royalties are 7%.
What is the Sweat440 franchise?
Sweat440 is a group fitness business with an estimated total initial investment of $350,000 to $538,800. The initial franchise fee is $60,000.
The royalty is 7 percent of sales. The franchise agreement lasts 10 years.
Sweat440 was founded in 2018 and is headquartered in Coral Springs, Florida.
Loan Activity Score
62/100
SBA Default Rate
0.0%
Active Lenders
7
According to its Franchise Disclosure Document or public business records, Sweat440 has 9 locations, all owned by franchisees. Public SBA loan records show 7 lenders made 9 loans to franchisees of Sweat440. PeerSense calculates Sweat440's score as 62 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.
Franchising since 2018 · 9 locations
$350,000 to $538,800
$60,000
9
9 franchised
Proprietary PeerSense metric
ModerateDistinct lenders in public SBA records for Sweat440
9
Total SBA loans
$463K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for Sweat440
Loan Activity Score Breakdown
Emerging (3 to 9 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
0.0%
vs 7.9% peer avg
SBA Loans
9
Total Volume
$4.2M
Active Lenders
7
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 Sweat440 based on SBA lending data
SBA Default Rate
0.0%
7.9% below peer avg
SBA Loan Volume
9 loans
Across 7 lenders
Lender Diversity
7 lenders
Avg 1.3 loans per lender
Investment Tier
Significant investment
$350,000 to $538,800 total
Sweat440: 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
2023
3 approvals. The best year on record for Sweat440.
Top SBA State
Florida
4 SBA financed Sweat440 locations, the densest operator footprint.
Average Loan Size
$463K
Median $465K. Use as a sizing anchor when modeling your own Sweat440 unit.
Lender Concentration
55.6%
Concentrated
Share of Sweat440 approvals captured by the top 3 SBA lenders.
Sweat440's SBA lending pipeline peaked in 2023 (3 approvals). The last five fiscal years account for 100% of cumulative volume ($4.2M approved). Operator density is highest in Florida with 4 SBA financed locations. Average funded ticket sits at $463K, with the median at $465K. Lender mix is concentrated: the top three SBA lenders account for 55.6% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$3,623
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
Sweat440, unit breakdown
Explore Funding for Sweat440
Our business financing consultants help connect you with the right lending partners. Referral fee paid at closing.
Or get an instant analysis
Scan Your Deal Instantly3 FDDs Available for Sweat440
Review franchise fees, investment ranges, royalties, Item 19 financial data, and year over year trends. Request complimentary access through your PeerSense funding advisor.
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