SBA 7(a)/504 FOIA · FY1991–PRESENT · VIRGINIA
Orangetheory franchise in Virginia: what the public record shows
Franchisees of Orangetheory in Virginia have taken 14 SBA loans since 1991 (average $539,178), and of the 12 loans whose story has ended, 0.0% were charged off — versus 1.5% for Orangetheory nationally and 14.8% across all rateable franchise brands.
Loans in VA
14
Resolved
12
Local charge-off
0.0%
National charge-off
1.5%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = VA. 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
1,159
statewide, all operators
Per 100k residents
13.2
national 11.9
Versus the country
+11%
denser
Every business in Orangetheory's industry operating in Virginia — 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 VA | Local charge-off | Units in VA |
|---|---|---|---|
| ANYTIME FITNESS; ANYTIME FITNESS EXPRESS | 31 | 23.8% | — |
| Club Pilates | 11 | thin | — |
| Curves for Women | 9 | thin | — |
| F45 Training | 9 | thin | — |
| Fitness Together | 8 | thin | 4 |
| I LOVE KICKBOXING | 8 | thin | — |
| Pure Barre | 7 | thin | — |
| Snap Fitness Club | 7 | thin | 11 |
| Stretch Lab | 7 | thin | — |
| Burn Boot Camp Fitness | 6 | thin | — |
| Yoga Six | 5 | thin | — |
Same sector, same state, same public records — how Orangetheory compares to the systems a buyer in Virginia 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 Orangetheory's numbers, including talking you out of a bad deal.
Talk to an independent CPA before you buy →