SBA 7(a)/504 FOIA · FY1991–PRESENT · KENTUCKY
Curves for Women franchise in Kentucky: what the public record shows
Franchisees of Curves for Women in Kentucky have taken 5 SBA loans since 1991 (average $68,540)— too few resolved loans in-state to publish a local failure rate (we require a resolved cohort, never extrapolate), so the brand's national rate of 19.0% is the better guide.
Loans in KY
5
Resolved
4
Local charge-off
thin
National charge-off
19.0%
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 of 30 loans.
Businesses in this industry
334
statewide, all operators
Per 100k residents
7.3
national 11.9
Versus the country
-39%
thinner
Every business in Curves for Women'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.
| System | Loans in KY | Local charge-off | Units in KY |
|---|---|---|---|
| ANYTIME FITNESS; ANYTIME FITNESS EXPRESS | 15 | 15.4% | — |
| Snap Fitness Club | 9 | thin | 5 |
| Orangetheory | 7 | thin | — |
Same sector, same state, same public records — how Curves for Women 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. An independent CPA is paid by you — and the job is pressure-testing Curves for Women's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →