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BIZBITE

Personal Training Studio

Transform bodies and bank accounts simultaneously

Bottom line

Worth studying, but do not buy without strong local proof.

Personal training studios offer one-on-one and small group fitness coaching in a dedicated facility. Revenue streams include membership fees, training packages, nutrition coaching, and supplement sales. The model thrives on recurring revenue and high-margin upsells once a client is locked in.

77
Acquisition score
Excellent

Avg Revenue

$250K

Profit Margin

35%

Acquisition Multiple

1.8x - 3.5x

Startup Cost

$30K - $150K

How It Works

Clients purchase training packages (10, 20, or 50 sessions at $50-150 per session) or monthly memberships ($200-400). Trainers lead workouts, progress tracking, and nutrition coaching. Revenue scales with occupancy, trainer capacity, and membership retention. Group classes reduce per-trainer revenue but improve margins.

Revenue Range

Low End
$80K
Typical
$250K
High End
$600K

BizBite underwriting snapshot

Watch / verify

Personal Training Studio has enough high-level data for a first look, but BizBite has not assigned a category-specific operating model yet. Treat the score as preliminary.

52
Fair / 100
Data confidence
medium
52/100
Financing fit
medium

Category-level fit before lender-specific diligence.

Confidence cap
78

Weak source data caps the final score.

Why it may work

  • +Attractive 35% estimated margin profile
  • +SBA dataset shows 148 recent comparable loans

Be careful

  • !Source link status has not been verified yet
  • !No last-checked date yet
  • !No category operating model yet
  • !No category model yet

Real Acquisitions in This Category

SBA 7(a) change-of-ownership loans · NAICS 713940 · Fitness and Recreational Sports Centers

Deals tracked
406
148 in last 24 mo
Median loan
$300K
$155K–$662K p25/p75
Implied deal size
$353K
median · ~85% LTV
Charge-off rate
not enough resolved loans

Deal Size Distribution

<$150K
85
$150K–500K
188
$500K–1M
74
$1M–2M
38
>$2M
21

Deal Flow Over Time

12-month momentum
-17.3%
deal volume vs prior 12 mo
Median loan Δ
+4.2%
67 recent · 81 prior

Financing Profile

Median rate
9.50%
16% fixed · last 24 mo
Median term
120 mo
standard 10-yr
Collateralized
0%
of loans secured
Median jobs
7
supported per deal
Top lenders in this space
Live Oak Banking Company47
The Huntington National Bank35
Pathward National Association6
Pinnacle Bank6
Truist Bank5
Where deals happen
TX37
CA28
GA23
NJ20
FL18
NY18
MI16
NC15
MN14
OH14
Franchise vs independent
Franchised acquisitions finance at $349K median vs $262K for independents — a +33% franchise premium. Franchises make up 50% of deals tracked.

Recent Comparable Deals

ClosedStateLoanImplied deal
Mar 2026CA$300K$353K
Mar 2026FL$216K$254K
Mar 2026OK$115K$135K
Mar 2026TX$380K$447K
Mar 2026CA$1.0M$1.2M
Feb 2026TN$2.8M$3.3M
Feb 2026MD$4.3M$5.1M
Feb 2026IN$226K$266K
Jan 2026RI$343K$404K
Jan 2026NJ$741K$872K
Volume rank #16/544Deal-size rank #513/544Momentum rank #229p90 loan: $1.2MData as of Mar 2026

Source: SBA 7(a) FOIA dataset, filtered to acquisitions (loans where business age is "Change of Ownership"). Implied deal size assumes an 85% loan-to-purchase ratio, a common SBA change-of-ownership structure. Charge-off rate shown only when 10+ loans have resolved (paid in full or charged off). Interest rates reflect last 24 months only. Actual deal values vary with equity injections, seller financing, and working capital terms.

Pros

  • +High recurring revenue through monthly memberships
  • +Strong client retention and low churn if community is built well
  • +Multiple revenue streams: training, classes, nutrition, supplements
  • +Operates entirely with existing infrastructure (no special equipment needed)
  • +Scalable by hiring additional trainers

Cons

  • -Highly dependent on trainer quality and retention
  • -Sensitive to economic downturns (fitness is discretionary spending)
  • -Requires active marketing to maintain occupancy
  • -Real estate and utility costs can erode margins if not controlled

Best For

Fitness professionals or entrepreneurs with sales + marketing energy who can build community and manage trainer teams

Operating Costs

Major costs: lease ($3K-8K/month depending on size and location), utilities, insurance, trainer payroll (30-50% of training revenue), and marketing. Supplement and nutrition sales have 60%+ gross margins.

SBA Financing Estimator

Adjust the deal — see if it cash flows after debt service

+$3K/mo
after debt service
Deal price — $350K
Range: $330K (1.8×) to $1.1M (3.5×+)
Down payment — 15% ($53K)
SBA minimum equity injection is 10% for change-of-ownership
Interest rate — 9.50%
SBA median for this category: 9.5%
Loan term — 10 years (120 mo)
SBA median for this category: 120 months
Down payment
$53K
15% equity injection
Loan amount
$298K
85% SBA-financed
Monthly payment
$4K/mo
$164K total interest
Monthly profit
$7K/mo
at 35% margin
Monthly cash flow after debt service
+$3K/mo
Down payment paid back in ~16 months — strong return

Estimates only. Excludes owner compensation, capex, working capital draws, and taxes. Margin assumes average occupancy and volume. Actual SBA terms vary by lender and borrower profile.

Where to Buy

BizBuySell – Fitness Businesses

Fitness studios, personal training businesses, and gyms available for acquisition

GymMaster

Industry-specific software and marketplace for fitness business transactions

ACE (American Council on Exercise)

Professional body for fitness trainers with industry trends and business resources

77/100Excellent

Acquisition Score

Profit margin
23/30
Entry multiple
25/25
Market depth
20/20
Risk (charge-off)
8/15
Deal momentum
1/10

Scores margin (30), entry multiple (25), SBA market depth (20), category risk (15), and deal momentum (10). Higher = better acquisition candidate.

Quick Facts

Category
physical
Difficulty
3/5
Buy price
$450K$875K

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