SBA 7(a)/504 FOIA · FY1991–PRESENT · MONTANA
Snap Fitness Club franchise in Montana: what the public record shows
Franchisees of Snap Fitness Club in Montana have taken 8 SBA loans since 1991 (average $184,037)— 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 11.4% is the better guide. Its latest FDD Item 20 state table reports 2 franchised outlets in Montana (fiscal 2025) — about 0.18 per 100k residents.
Loans in MT
8
Resolved
8
Local charge-off
thin
National charge-off
11.4%
Source: SBA 7(a)/504 FOIA files (data.sba.gov), borrower state = MT. 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
192
statewide, all operators
Per 100k residents
16.9
national 11.9
Versus the country
+42%
denser
Every business in Snap Fitness Club's industry operating in Montana — 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 | 2 | — |
| 2024 | 2 | — |
| 2025 | 2 | — |
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