SBA 7(a)/504 FOIA · FY1991–PRESENT · WASHINGTON
Curves for Women franchise in Washington: what the public record shows
Franchisees of Curves for Women in Washington have taken 13 SBA loans since 1991 (average $97,653), and of the 11 loans whose story has ended, 27.3% were charged off — versus 19.0% for Curves for Women nationally and 14.8% across all rateable franchise brands.
Loans in WA
13
Resolved
11
Local charge-off
27.3%
National charge-off
19.0%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = WA. 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
1,047
statewide, all operators
Per 100k residents
13.2
national 11.9
Versus the country
+11%
denser
Every business in Curves for Women's industry operating in Washington — 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
$420
Washington, BLS QCEW 2025
National average
$438
same industry, all states
Versus the country
-4%
cheaper to staff
What Curves for Women's industry actually pays workers in Washington, 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 WA | Local charge-off | Units in WA |
|---|---|---|---|
| ANYTIME FITNESS | 42 | 16.0% | — |
| THE LITTLE GYM | 11 | thin | — |
| F45 Training | 10 | thin | — |
| Pure Barre | 10 | thin | — |
| Orangetheory | 9 | thin | — |
| Snap Fitness | 9 | thin | 13 |
| GOLD'S GYM | 8 | thin | 7 |
| Club Pilates | 6 | thin | — |
| Fitness Together | 5 | thin | 4 |
Same sector, same state, same public records — how Curves for Women compares to the systems a buyer in Washington 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 Curves for Women's numbers, including talking you out of a bad deal.