SBA 7(a)/504 FOIA · FY1991–PRESENT · KENTUCKY
ANYTIME FITNESS franchise in Kentucky: what the public record shows
Franchisees of ANYTIME FITNESS in Kentucky have taken 15 SBA loans since 1991 (average $321,133), and of the 13 loans whose story has ended, 15.4% were charged off — versus 11.6% for ANYTIME FITNESS nationally and 14.8% across all rateable franchise brands.
Loans in KY
15
Resolved
13
Local charge-off
15.4%
National charge-off
11.6%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = KY. 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
334
statewide, all operators
Per 100k residents
7.3
national 11.9
Versus the country
-39%
thinner
Every business in ANYTIME FITNESS's industry operating in Kentucky — 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.
Avg weekly wage, this industry
$324
Kentucky, BLS QCEW 2025
National average
$438
same industry, all states
Versus the country
-26%
cheaper to staff
What ANYTIME FITNESS's industry actually pays workers in Kentucky, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This is a real cost signal independent of the FDD — a market can look demand-rich above and still carry a margin headwind here if local wages run hot for the sector.
| System | Loans in KY | Local charge-off | Units in KY |
|---|---|---|---|
| Snap Fitness | 9 | thin | 5 |
| Orangetheory | 7 | thin | — |
| Curves for Women | 5 | thin | — |
Same sector, same state, same public records — how ANYTIME FITNESS compares to the systems a buyer in Kentucky 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. I'm paid by you — and the job is pressure-testing ANYTIME FITNESS's numbers, including talking you out of a bad deal.