SBA 7(a)/504 FOIA · FY1991–PRESENT · FLORIDA
GOLD'S GYM franchise in Florida: what the public record shows
Franchisees of GOLD'S GYM in Florida have taken 21 SBA loans since 1991 (average $1,057,809), and of the 17 loans whose story has ended, 23.5% were charged off — versus 14.7% for GOLD'S GYM nationally and 14.8% across all rateable franchise brands. Its latest FDD Item 20 state table reports 7 franchised outlets in Florida (fiscal 2025) — about 0.03 per 100k residents.
Loans in FL
21
Resolved
17
Local charge-off
23.5%
National charge-off
14.7%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = FL. 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
2,767
statewide, all operators
Per 100k residents
11.8
national 11.9
Versus the country
-1%
thinner
Every business in GOLD'S GYM's industry operating in Florida — 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.
| Fiscal year | Franchised | Company-owned |
|---|---|---|
| 2023 | 5 | — |
| 2024 | 6 | — |
| 2025 | 7 | — |
| System | Loans in FL | Local charge-off | Units in FL |
|---|---|---|---|
| ANYTIME FITNESS; ANYTIME FITNESS EXPRESS | 78 | 27.1% | — |
| Orangetheory | 26 | 0.0% | — |
| Club Pilates | 21 | 0.0% | — |
| Curves for Women | 19 | 41.2% | — |
| F45 Training | 17 | 27.3% | — |
| CycleBar | 15 | thin | — |
| THE LITTLE GYM | 15 | thin | — |
| Burn Boot Camp Fitness | 13 | thin | — |
| Yoga Six | 12 | thin | — |
| MY GYM | 11 | thin | — |
| Retrofitness | 10 | thin | — |
| World Gym & Fitness Center | 9 | thin | — |
Same sector, same state, same public records — how GOLD'S GYM compares to the systems a buyer in Florida 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 GOLD'S GYM's numbers, including talking you out of a bad deal.
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