The Exercise Coach
The total investment to open a The Exercise Coach franchise ranges from $150,000 to $250,000. The initial franchise fee is $25,000. Ongoing royalties are 6% plus a 1% advertising fee.
What is the The Exercise Coach franchise?
The Exercise Coach offers personal strength training for people seeking fitness coaching. The estimated initial investment is $150,000 to $250,000, and the initial franchise fee is $25,000, according to the 2026 Franchise Disclosure Document.
The royalty is 6 percent of sales, and the advertising or brand fund fee is 1 percent. The net worth requirement is $500,000, and the franchise agreement term is 10 years.
The brand was founded in 2000 and is headquartered in CA.
Loan Activity Score
65/100
SBA Default Rate
4.0%
Active Lenders
35
According to its Franchise Disclosure Document or public business records, The Exercise Coach has 73 locations, all owned by franchisees. Public SBA loan records show 35 lenders made 101 loans to franchisees of The Exercise Coach. PeerSense calculates The Exercise Coach's score as 65 out of 100, using public SBA loan performance and recent lending activity. Cost figures are based on the 2026 Franchise Disclosure Document.
Franchising since 2000 · 73 locations
$150,000 to $250,000
$25,000
73
73 franchised
Proprietary PeerSense metric
StrongDistinct lenders in public SBA records for The Exercise Coach
101
Total SBA loans
$182K
Average loan size
Source: public SBA 7(a) and 504 loan records through December 31, 2025
Referral fee at closing
SBA Lending Activity for The Exercise Coach
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
4.0%
vs 10.8% peer avg
SBA Loans
101
Total Volume
$18.4M
Active Lenders
35
7 selective
States
28
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 The Exercise Coach based on SBA lending data
SBA Default Rate
4.0%
6.8% below peer avg
SBA Loan Volume
101 loans
Across 35 lenders
Lender Diversity
35 lenders
Avg 2.9 loans per lender
Investment Tier
Mid range investment
$150,000 to $250,000 total
The Exercise Coach: 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
22 approvals. The best year on record for The Exercise Coach.
Top SBA State
California
13 SBA financed The Exercise Coach locations, the densest operator footprint.
Average Loan Size
$181K
Median $181K. Use as a sizing anchor when modeling your own The Exercise Coach unit.
Lender Concentration
50.5%
Concentrated
Share of The Exercise Coach approvals captured by the top 3 SBA lenders.
The Exercise Coach's SBA lending pipeline peaked in 2023 (22 approvals). The last five fiscal years account for 57% of cumulative volume ($11M approved). Operator density is highest in California with 13 SBA financed locations. Average funded ticket sits at $181K, with the median at $181K. Lender mix is concentrated: the top three SBA lenders account for 50.5% of approvals. Credit decisions concentrate with a small group of incumbents.
Payment Estimator
Estimated Monthly Payment
$1,553
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
The Exercise Coach, 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