SBA 7(a)/504 FOIA · FY1991–PRESENT · UTAH
ANYTIME FITNESS franchise in Utah: what the public record shows
Franchisees of ANYTIME FITNESS in Utah have taken 17 SBA loans in the FY1991–present FOIA files (average $434,905). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. ANYTIME FITNESS's national ratio is 1.0× (not clearly different from 1.0×).
Loans in UT
17
Charged off (all years)
2 of 14
Loss ratio in UT
—
Loss ratio nationally (not clear)
1.0×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = UT. Loss ratio = charge-offs among loans approved through FY2020 ÷ the charge-offs expected if each had defaulted at the national rate for franchise loans approved the same year; 1.0× is the same. Only charged-off and paid-in-full loans count. A ratio is shown at 30+ such loans; “not clear” marks a ratio chance alone could produce. The all-years count mixes every era and is evidence, not a rate to compare. Borrowers are matched to the brand by name and SBA franchise code; some matches may be wrong or missing.
Businesses in this industry
362
statewide, all operators
Per 100k residents
10.3
national 11.9
Versus the country
-13%
thinner
Every business in ANYTIME FITNESS's industry operating in Utah — franchised and independent — from the Census Bureau's County Business Patterns (2023), against 2024 population estimates. Counter-intuitively, density is not a warning: across the brand-state cells in the loan data, denser markets have historically charged off less often than the thinnest (see the research page). A crowded market is usually proven demand; an empty one is often empty for a reason.
Avg weekly wage, this industry
$304
Utah, BLS QCEW 2025
National average
$438
same industry, all states
Versus the country
-31%
cheaper to staff
What ANYTIME FITNESS's industry actually pays workers in Utah, from the Bureau of Labor Statistics' Quarterly Census of Employment and Wages (2025), employment-weighted across counties. This cost signal is 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 UT | Charged off (all years) | Loss ratio in UT | Units in UT |
|---|---|---|---|---|
| F45 Training | 15 | 1 of 7 | — | — |
| HOTWORX | 13 | 0 of 8 | — | 18 |
| Orangetheory | 7 | 1 of 5 | — | — |
| D-Bat | 5 | 0 of 1 | — | 3 |
| Snap Fitness | 5 | 1 of 5 | — | 5 |
Other systems in ANYTIME FITNESS's sector whose franchisees borrowed in Utah. A loss ratio appears only where at least 30 loans approved through FY2020 have resolved; “—” means too few.
A broker is usually paid by the franchisor to place you. I'm paid only by you, never by a franchisor you're considering — and the job is pressure-testing ANYTIME FITNESS’ numbers, including talking you out of a bad deal.