Franchise Failure Rates

SBA 7(a) loan outcomes · FY2010–FY2019 cohort · Statuses as of June 30, 2026 · Last updated August 17, 2026

Anytime Fitness Franchise Failure Rate: 12.6% SBA Loan Defaults (2010–2019 Federal Data)

12.6%
charge-off rate on 601 SBA 7(a) loans to Anytime Fitness franchisees, FY2010–2019
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019 — Anytime Fitness against its industry and all franchises
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Anytime Fitness 12.6%; Fitness and Recreational Sports Centers 11.4%; All franchises 10.2%Anytime Fitness 12.6%; Fitness and Recreational Sports Centers 11.4%; All franchises 10.2%0%5%10%Anytime Fitness12.6%Fitness and RecreationalSports Centers11.4%All franchises10.2%
Charge-off rate, SBA 7(a) loans approved FY2010–FY2019: Anytime Fitness 12.6%; Fitness and Recreational Sports Centers 11.4%; All franchises 10.2%Anytime Fitness 12.6%; Fitness and Recreational Sports Centers 11.4%; All franchises 10.2%0%5%10%Anytime Fitness12.6%Fitness and Recreational Sports Centers11.4%All franchises10.2%

Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026. Figures also in the comparison table below.

About 1 in 8 Anytime Fitness SBA borrowers failed to repay — above the Fitness and Recreational Sports Centers average of 11.4%.

Between 2010 and 2019, 601 Anytime Fitness franchisees financed with SBA 7(a) loans. 76 defaulted — a 12.6% charge-off rate, 1.1x the Fitness and Recreational Sports Centers average of 11.4%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.

What is the Anytime Fitness franchise failure rate on SBA loans?

Anytime Fitness is a Fitness and Recreational Sports Centers franchise. This page reports the outcome of every SBA 7(a) loan the U.S. Small Business Administration's public FOIA file attributes to Anytime Fitness franchisees: 601 loans approved between fiscal 2010 and 2019, of which 76 were charged off. Loan statuses are as of June 30, 2026, and the cohort has matured, so these are settled outcomes rather than projections.

How does Anytime Fitness compare with other Fitness and Recreational Sports Centers franchises?

The table sets Anytime Fitness's charge-off rate beside its Fitness and Recreational Sports Centers peers and the two economy-wide benchmarks. All figures use the same cohort — SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026 — and the same denominator of resolved loans, so they are directly comparable.

Anytime Fitness versus benchmarks, SBA 7(a) loans approved FY2010–FY2019, statuses as of June 30, 2026. Source: U.S. SBA FOIA dataset.
MeasureAnytime FitnessFitness and Recreational Sports CentersAll franchisesAll SBA borrowers
Default (charge-off) rate12.6%11.4%10.2%8.0%
Loans in sample601———
Defaults76———
Average loan size$377,841———

What has Anytime Fitness SBA lending looked like since 2020?

Since 2020, Anytime Fitness franchisees have taken 304 new SBA 7(a) loans. 4 have already charged off. Early defaults on loans under six years old are notable — most SBA failures take longer to develop.

Charge-off rate by approval year — share of each fiscal year's Anytime Fitness SBA 7(a) loans that later defaulted (FY2010–FY2019)
Charge-off rate by approval year: FY2010 2% of 40 loans; FY2011 3% of 35 loans; FY2012 2% of 49 loans; FY2013 12% of 48 loans; FY2014 3% of 62 loans; FY2015 9% of 87 loans; FY2016 24% of 86 loans; FY2017 18% of 61 loans; FY2018 19% of 68 loans; FY2019 18% of 65 loansCharge-off rate by approval year: FY2010 2% of 40 loans; FY2011 3% of 35 loans; FY2012 2% of 49 loans; FY2013 12% of 48 loans; FY2014 3% of 62 loans; FY2015 9% of 87 loans; FY2016 24% of 86 loans; FY2017 18% of 61 loans; FY2018 19% of 68 loans; FY2019 18% of 65 loans0%12%25%2%2010n=403%2011n=352%2012n=4912%2013n=483%2014n=629%2015n=8724%2016n=8618%2017n=6119%2018n=6818%2019n=65
Charge-off rate by approval year: FY2010 2% of 40 loans; FY2011 3% of 35 loans; FY2012 2% of 49 loans; FY2013 12% of 48 loans; FY2014 3% of 62 loans; FY2015 9% of 87 loans; FY2016 24% of 86 loans; FY2017 18% of 61 loans; FY2018 19% of 68 loans; FY2019 18% of 65 loansCharge-off rate by approval year: FY2010 2% of 40 loans; FY2011 3% of 35 loans; FY2012 2% of 49 loans; FY2013 12% of 48 loans; FY2014 3% of 62 loans; FY2015 9% of 87 loans; FY2016 24% of 86 loans; FY2017 18% of 61 loans; FY2018 19% of 68 loans; FY2019 18% of 65 loans0%12%25%2%’10n=403%’11n=352%’12n=4912%’13n=483%’14n=629%’15n=8724%’16n=8618%’17n=6119%’18n=6818%’19n=65

Loans approved since 2020, by fiscal year — counts only: 4 have charged off to date and most are still outstanding, so no rate is drawn.

Loans approved since 2020: FY2020 69; FY2021 47; FY2022 45; FY2023 42; FY2024 48; FY2025 34; FY2026 19Loans approved since 2020: FY2020 69; FY2021 47; FY2022 45; FY2023 42; FY2024 48; FY2025 34; FY2026 19692020472021452022422023482024342025192026
Loans approved since 2020: FY2020 69; FY2021 47; FY2022 45; FY2023 42; FY2024 48; FY2025 34; FY2026 19Loans approved since 2020: FY2020 69; FY2021 47; FY2022 45; FY2023 42; FY2024 48; FY2025 34; FY2026 1969’2047’2145’2242’2348’2434’2519’26

Source: U.S. SBA FOIA dataset, statuses as of June 30, 2026.

Show the numbers behind this chart
Fiscal yearLoansCharged offRate
FY20104012.5%
FY20113512.9%
FY20124912.0%
FY201348612.5%
FY20146223.2%
FY20158789.2%
FY2016862124.4%
FY2017611118.0%
FY2018681319.1%
FY2019651218.5%
FY202069—outstanding
FY202147—outstanding
FY202245—outstanding
FY202342—outstanding
FY202448—outstanding
FY202534—outstanding
FY202619—outstanding

How to read this

A charge-off means a franchisee borrowed, operated, and failed severely enough that the SBA wrote off the government-guaranteed loan. Unlike franchisor marketing or Item 19 disclosures, this is an observed outcome recorded by a federal agency. One caveat cuts the other way: SBA borrowers are typically less capitalized than all-cash buyers, so these rates can overstate risk for well-funded operators.

How reliable is this number?

Anytime Fitness's figure rests on 601 resolved SBA 7(a) loans approved between fiscal 2010 and 2019 — a matured cohort, so the rate is a settled outcome, not a projection. With 601 resolved loans, the sample is large enough that a single default barely moves the figure. Loans approved since 2020 are excluded from the rate because most are still outstanding; they appear on this page as counts only. Every Anytime Fitness figure is recomputed from the public SBA FOIA file on each rebuild.

Frequently asked

What is Anytime Fitness's franchise failure rate on SBA loans?
Between 2010 and 2019, 601 Anytime Fitness franchisees financed with SBA 7(a) loans. 76 defaulted — a 12.6% charge-off rate, 1.1x the Fitness and Recreational Sports Centers average of 11.4%. Source: U.S. Small Business Administration FOIA dataset, loan statuses as of June 30, 2026.
Is Anytime Fitness a safe franchise investment?
Between 2010–2019, Anytime Fitness franchisees defaulted on SBA loans at 12.6% versus a 11.4% industry average. This data is one input for due diligence; it is not investment advice.

Cite this page

Franchise Default Rates (2026). Anytime Fitness franchise SBA 7(a) default rate, FY2010–FY2019 cohort: 12.6% (76 of 601 loans charged off). Derived from U.S. SBA FOIA data, loan statuses as of June 30, 2026.

https://franchisefailurerates.com/franchise/anytime-fitness/ · Data & methodology · Download the dataset (CSV)