SBA 7(a)/504 FOIA · FY1991–PRESENT · TEXAS
GOLD'S GYM franchise in Texas: what the public record shows
Franchisees of GOLD'S GYM in Texas have taken 20 SBA loans since 1991 (average $692,700), and of the 19 loans whose story has ended, 5.3% 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 7 franchised outlets in Texas (fiscal 2025) — about 0.02 per 100k residents.
Loans in TX
20
Resolved
19
Local charge-off
5.3%
National charge-off
14.7%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = TX. 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
3,337
statewide, all operators
Per 100k residents
10.7
national 11.9
Versus the country
-10%
thinner
Every business in GOLD'S GYM's industry operating in Texas — 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 | 11 | 47 |
| 2024 | 11 | 47 |
| 2025 | 7 | 45 |
| System | Loans in TX | Local charge-off | Units in TX |
|---|---|---|---|
| ANYTIME FITNESS; ANYTIME FITNESS EXPRESS | 123 | 15.9% | — |
| THE LITTLE GYM | 45 | 28.6% | — |
| F45 Training | 43 | 21.4% | — |
| Curves for Women | 35 | 20.0% | — |
| Orangetheory | 34 | 3.8% | — |
| Club Pilates | 31 | 0.0% | — |
| Pure Barre | 28 | 0.0% | — |
| I LOVE KICKBOXING | 27 | 47.8% | — |
| Yoga Six | 18 | thin | — |
| CycleBar | 17 | thin | — |
| Stretch Lab | 16 | thin | — |
| Body20 | 15 | thin | 17 |
Same sector, same state, same public records — how GOLD'S GYM compares to the systems a buyer in Texas 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 →