SBA 7(a)/504 FOIA · FY1991–PRESENT · GEORGIA
GOLD'S GYM franchise in Georgia: what the public record shows
Franchisees of GOLD'S GYM in Georgia have taken 16 SBA loans since 1991 (average $1,092,175), and of the 12 loans whose story has ended, 25.0% were charged off — versus 14.7% for GOLD'S GYM nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 2 franchised outlets in Georgia (fiscal 2025) — about 0.02 per 100k residents.
Loans in GA
16
Resolved
12
Local charge-off
25.0%
National charge-off
14.7%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = GA. 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.
Businesses in this industry
1,112
statewide, all operators
Per 100k residents
9.9
national 11.9
Versus the country
-17%
thinner
Every business in GOLD'S GYM's industry operating in Georgia — 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 2 | — |
| 2024 | 2 | — |
| 2025 | 2 | — |
| System | Loans in GA | Local charge-off | Units in GA |
|---|---|---|---|
| ANYTIME FITNESS; ANYTIME FITNESS EXPRESS | 37 | 9.1% | — |
| THE LITTLE GYM | 25 | thin | — |
| Burn Boot Camp Fitness | 13 | thin | — |
| Orangetheory | 11 | thin | — |
| Snap Fitness Club | 11 | thin | 11 |
| Pure Barre | 8 | thin | — |
| Club Pilates | 6 | thin | — |
| Curves for Women | 6 | thin | — |
| World Gym & Fitness Center | 6 | thin | — |
| Exercise Coach | 5 | thin | — |
Same sector, same state, same public records — how GOLD'S GYM compares to the systems a buyer in Georgia 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 GOLD'S GYM's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →