How much does a Sweat440 cost to buy or open?

The typical deal for Sweat440 is $465K across 12 transactions since 2020. With the SBA's 10% minimum down payment, that points to roughly $51K of buyer cash on a typical deal.

How risky is Sweat440?

Sweat440 has 12 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 Sweat440 with an SBA loan?

Yes — Sweat440 has been SBA-financed 6 times since FY2025, which means it clears the SBA Franchise Directory requirement regularly. Confirm current listing before signing an LOI.

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Sweat440, 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 S4524)

12 deals since 2020 · typical deal $465K

Deals since 2020

$465K

Typical deal

Deals since FY2025

—

Too few deals to score risk

Sweat440 has 12 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 Sweat440

Most Sweat440 deals financed between $350K and $516K. Above $516K, you're paying more than 75% of buyers did — make the seller earn it.

Your deal size$465K

Monthly payment (10-yr): $6,081
Down payment (10%): $52K
Cash to close (all-in): $69K

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 ~$69K)

Experience

Recent financings

Morzos Fitness Studio LLC in Orlando, FL — $576K (2026) · ACC Capital
Program
Preferred Lenders Program
Rate at approval
9.5% variable
Term

Sweat440, by the numbers

Recent financings

Who funds Sweat440 — and where

Common questions

How much does a Sweat440 cost to buy or open?

How risky is Sweat440?

Can I finance a Sweat440 with an SBA loan?

AI summary