How Much Can Fitness and Recreational Sports Centers Businesses Get in SBA Loans?
25,432 SBA loans totaling $9.2B have been approved for fitness and recreational sports centers businesses (NAICS 713940). The average approved SBA loan is $360K, which is 6% above avg the $340K national average. 1745 active lenders fund this industry with a 17.1% default rate on the matured 2018-2021 loan cohort.
At 17.1%, Fitness and Recreational Sports Centers sits above the 15.4% all-industry SBA default rate (charged-off as a share of resolved loans) — above average default risk relative to other SBA industries. Lenders price this risk into rate and structure, which is why matching the file to the right lender matters.
NAICS 713940 (Fitness and Recreational Sports Centers) received 25,432 SBA loans worth $9.2B across 5+ states. Average loan $360K, average term 124 months, 17.1% default rate (resolved-loan basis).1745 active SBA-approved lenders fund this industry. Most fitness and recreational sports centers loans use the SBA 7(a) program. There are approximately 40,786 U.S. establishments in this industry (Census 2022).
Is SBA Lending Growing for Fitness and Recreational Sports Centers?+38% growth
Which SBA Program Do Fitness and Recreational Sports Centers Businesses Use Most?
What Is the Best SBA Loan for Fitness and Recreational Sports Centers?
The most widely used SBA program for fitness and recreational sports centers businesses — flexible terms, multiple use cases
Where Are Fitness and Recreational Sports Centers SBA Loans Most Common?
Top SBA Lenders for Fitness and Recreational Sports Centers
These banks have funded the most SBA loans for fitness and recreational sports centers businesses (NAICS 713940). PeerSense routes deals to lenders with proven appetite in your industry.
| # | Lender | Loans | Volume |
|---|---|---|---|
| 1 | The Huntington National Bank(OH) | 1,866 | $447.8M |
| 2 | Wells Fargo Bank National Association(SD) | 1,682 | $529.4M |
| 3 | U.S. Bank, National Association(OH) | 797 | $251.1M |
| 4 | JPMorgan Chase Bank, National Association(OH) | 748 | $136.7M |
| 5 | Manufacturers and Traders Trust Company(NY) | 695 | $96.7M |
Fitness and Recreational Sports Centers Industry Context
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PeerSense places SBA loans for fitness and recreational sports centers businesses nationwide. We match you with the right capital source — no retainers, referral fee at closing.
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How Does SBA Lending Work for Fitness and Recreational Sports Centers Businesses?
Across all SBA loan programs, 25,432 loans have been approved for businesses classified under NAICS 713940 (Fitness and Recreational Sports Centers), representing $9.2B in total capital deployed. The average approved loan of $360K is 6% above avg the national SBA average of $340K, with typical repayment terms of 124 months.
SBA lending for fitness and recreational sports centers is accelerating — loan volume has grown approximately 38% over recent fiscal years. This upward trajectory suggests expanding access to capital and growing lender confidence in this sector. Peak activity occurred in FY2025.
The industry sees a balanced mix of SBA programs, with 9% of loans using the 504 program for fixed asset acquisition and the majority using 7(a) for its flexibility across working capital, equipment, and business acquisition uses. SBA 7(a) loans offer up to $5M with terms up to 25 years for real estate.
PeerSense specializes in matching fitness and recreational sports centers business owners with the capital sources most likely to approve their specific deal structure. As an advisory firm (not a lender), we structure your deal across our network of 500+ SBA-approved lenders to find the best terms — our referral fee is established upfront and paid at closing. No retainers.
Frequently Asked Questions — Fitness and Recreational Sports Centers SBA Loans
What is the average SBA loan size for fitness and recreational sports centers businesses?
Which SBA loan program is best for a fitness and recreational sports centers business?
How many lenders fund SBA loans for fitness and recreational sports centers?
What states have the most SBA lending for fitness and recreational sports centers?
How does PeerSense help fitness and recreational sports centers businesses get SBA loans?
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Data aggregated from SBA loan records (1992–2025). Fitness and Recreational Sports Centers defined by NAICS code 713940. Not financial advice. PeerSense is a capital advisory firm, not a lender. Consult a lending professional before making financial decisions.