SBA 7(a)/504 FOIA · FY1991–PRESENT · WASHINGTON
Fitness Together franchise in Washington: what the public record shows
Franchisees of Fitness Together in Washington have taken 5 SBA loans in the FY1991–present FOIA files (average $123,000). Fewer than 30 of them were approved through FY2020 and have resolved, so no local loss ratio is published. Fitness Together's national ratio is 1.5×. Its latest FDD Item 20 state table reports 4 franchised outlets in Washington (fiscal 2019) — about 0.05 per 100k residents.
Loans in WA
5
Charged off (all years)
1 of 3
Loss ratio in WA
—
Loss ratio nationally
1.5×
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = WA. 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
1,047
statewide, all operators
Per 100k residents
13.2
national 11.9
Versus the country
+11%
denser
Every business in Fitness Together'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 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
$420
Washington, BLS QCEW 2025
National average
$438
same industry, all states
Versus the country
-4%
cheaper to staff
What Fitness Together'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 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2017 | 4 | — |
| 2018 | 4 | — |
| 2019 | 4 | — |
| System | Loans in WA | Charged off (all years) | Loss ratio in WA | Units in WA |
|---|---|---|---|---|
| ANYTIME FITNESS | 42 | 4 of 25 | — | — |
| HOTWORX | 16 | 0 of 1 | — | 18 |
| Curves for Women | 13 | 3 of 11 | — | — |
| F45 Training | 10 | 0 of 6 | — | — |
| Pure Barre | 10 | 0 of 3 | — | — |
| Orangetheory | 9 | 0 of 7 | — | — |
| Snap Fitness | 9 | 0 of 7 | — | 13 |
| GOLD'S GYM | 8 | 2 of 7 | — | 7 |
| BARRE3 | 7 | 1 of 6 | — | 15 |
| Club Pilates | 6 | 0 of 1 | — | — |
| TITLE BOXING CLUB | 5 | 0 of 3 | — | 3 |
Other systems in Fitness Together's sector whose franchisees borrowed in Washington. 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 Fitness Together’s numbers, including talking you out of a bad deal.