SBA 7(a)/504 FOIA · FY1991–PRESENT · CALIFORNIA
Exercise Coach franchise in California: what the public record shows
Franchisees of Exercise Coach in California have taken 13 SBA loans since 1991 (average $243,361)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 12.5% is the better guide.
Loans in CA
13
Resolved
6
Local charge-off
thin
National charge-off
12.5%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = CA. Charge-off rate = charged-off ÷ (charged-off + paid-in-full); open loans excluded. A local rate is published only when the resolved cohort clears our floor of 30 loans.
Businesses in this industry
5,357
statewide, all operators
Per 100k residents
13.6
national 11.9
Versus the country
+14%
denser
Every business in Exercise Coach's industry operating in California — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across 198 brand-state cells in our loan data, the densest quartile charges off at 5.6% versus 18.1% in the thinnest. A crowded market is usually proven demand; an empty one is often empty for a reason.
| System | Loans in CA | Local charge-off | Units in CA |
|---|---|---|---|
| ANYTIME FITNESS; ANYTIME FITNESS EXPRESS | 74 | 11.9% | — |
| Club Pilates | 57 | 0.0% | — |
| Orangetheory | 52 | 0.0% | — |
| Curves for Women | 34 | 14.3% | — |
| GOLD'S GYM | 34 | 20.8% | 8 |
| Yoga Six | 32 | thin | — |
| F45 Training | 30 | 7.1% | — |
| Stretch Lab | 21 | thin | — |
| CycleBar | 19 | 18.2% | — |
| THE LITTLE GYM | 18 | 30.0% | — |
| BAR METHOD | 17 | 20.0% | — |
| Pure Barre | 15 | thin | — |
Same sector, same state, same public records — how Exercise Coach compares to the systems a buyer in California would actually be choosing between. Local rates under 10 resolved loans are marked thin, not hidden.
A broker is paid by the franchisor to place you. An independent CPA is paid by you — and the job is pressure-testing Exercise Coach's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →