SBA 7(a)/504 FOIA · FY1991–PRESENT · MASSACHUSETTS
Curves for Women franchise in Massachusetts: what the public record shows
Franchisees of Curves for Women in Massachusetts have taken 12 SBA loans since 1991 (average $59,666)— 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 MA
12
Resolved
8
Local charge-off
thin
National charge-off
19.0%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MA. 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
1,230
statewide, all operators
Per 100k residents
17.2
national 11.9
Versus the country
+45%
denser
Every business in Curves for Women's industry operating in Massachusetts — 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 MA | Local charge-off | Units in MA |
|---|---|---|---|
| Fitness Together | 26 | 5.0% | 43 |
| Orangetheory | 24 | 0.0% | — |
| ANYTIME FITNESS; ANYTIME FITNESS EXPRESS | 20 | thin | — |
| Planet Fitness | 13 | 0.0% | 88 |
| THE LITTLE GYM | 12 | 0.0% | — |
| Pure Barre | 10 | thin | — |
| GOLD'S GYM | 9 | thin | — |
| World Gym & Fitness Center | 7 | thin | — |
| F45 Training | 6 | thin | — |
| Exercise Coach | 5 | thin | — |
| Yoga Six | 5 | thin | — |
Same sector, same state, same public records — how Curves for Women compares to the systems a buyer in Massachusetts 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 →