How much does a Spavia cost to buy or open?

The typical deal for Spavia is $536K across 19 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $59K of buyer cash on a typical deal.

Spavia has 19 SBA loans on record since 2020 — too few to score a reliable failure rate. Judge the unit economics and the franchisor's disclosure document, not a small sample.

Can I finance a Spavia with an SBA loan?

Yes — Spavia has been SBA-financed 8 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

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Spavia, by the numbers

Every figure below comes from real financed deals — what buyers paid, where, and how the loans performed.

SBA Franchise Directory: listed ✓ (identifier S1603)

19 deals since 2020 · typical deal $536K

Deals since 2020

$536K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Spavia has 19 SBA deals on record — real financing history, but too few to score a failure rate you should trust. Underwrite the location and the FDD.

What buyers pay for Spavia

Most Spavia deals financed between $150K and $625K. Above $625K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$536K

Monthly payment (10-yr): $7,013
Down payment (10%): $60K
Cash to close (all-in): $80K

Estimates at today's rates and standard 7(a) terms. Not a loan offer.

Could you get the loan?

Three answers. No documents, no credit pull.

Credit score

Available cash (you'll need ~$80K)

Experience

Recent financings

MTK Spa Holdings Limited Liability Company in Louisville, CO — $578K (2026) · The Huntington National Bank
Program
Preferred Lenders Program
Rate at approval
9.25% variable
Term

Spavia, by the numbers

Recent financings

Who funds Spavia — and where

Common questions

How much does a Spavia cost to buy or open?

How risky is Spavia?

Can I finance a Spavia with an SBA loan?

AI summary