Fitness Center Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area
What SBA's own loan files show about fitness center lending in the Dallas-Fort Worth-Arlington, TX Metro Area, and what a feasibility study for a project there has to test.
Dallas: fitness center
Dallas drew 414 fitness center loans worth $203.3 million between FY2017 and FY2026. Dallas places 2 of 608 nationally for the class on 414 loans; in Dallas, the class takes 3 of 39. In Dallas, a quotient of 1.34x makes the class far more common. Dallas is told apart by rank and a 1.34x quotient, not by size at $305,950.
$305,950 is typical in Dallas, in a middle half $150,000 to $524,675; against the national median that is 1.18x, a little above it. Dallas lending ran 393 through 7(a) against 21 through 504. 63.8% of 414 Dallas loans are franchised.
Dallas's 7(a) table, 68 loans through The Huntington National Bank, $20.6 million; 33 through Wells Fargo Bank National Association, $10.7 million; 17 through Simmons Bank, $6.6 million; 16 through Frost Bank, $7.2 million; 15 through Stearns Bank National Association, $3.3 million. Dallas's 504 table, 7 Greater East Texas Certified Development Company, $19.1 million; 5 through North Texas Certified Development Corporation, $10.8 million. Dallas: unnamed holders have under 5 loans. 414 loans in Dallas, by county: Dallas County, TX 112; Tarrant County, TX 90; Collin County, TX 88; Denton County, TX 86; Rockwall County, TX 15; Ellis County, TX 6; Parker County, TX 5.
Cancellations in Dallas and charge-offs
In Dallas, cancellations took 10.2% or more of Dallas's FY2017 to FY2024 approvals, 12.9% with undisbursed loans counted. 154 FY2017 to FY2021 loans were disbursed; 18.2% or more have been charged off, 10.4% within five years. Dallas floors rise as loans age. Of Dallas's 414 loans, the high year held 68 in FY2025 and the low year 22 in FY2021; FY2026 shows 43 loans and $34.8 million. Yearly loan counts for Dallas: FY2017 35, FY2018 31, FY2019 52, FY2020 36, FY2021 22, FY2022 34, FY2023 48, FY2024 45, FY2025 68, FY2026 43. Dollars by year: FY2017 $10.2 million, FY2018 $15.0 million, FY2019 $22.8 million, FY2020 $20.0 million, FY2021 $10.1 million, FY2022 $17.6 million, FY2023 $24.3 million, FY2024 $20.6 million, FY2025 $27.9 million, FY2026 $34.8 million.
Dallas: testing the project
Dallas: facing weak signups, debt service holds with $203.3 million approved. For 414 loans in Dallas, buildout costs outside $150,000 to $524,675 need cases. For 414 approvals in Dallas, appraisers weigh lease and membership. Dallas approvals ran from 22 in FY2021 to 68 in FY2025; for Dallas, plan for slow signups. Dallas's quotient, 1.34x: count rivals by price tier. Across 414 loans, membership retention in Dallas carries $305,950.
414 loans fall in Dallas by project county. Dallas follows July 2023 delineation by county. Dallas leaves out unplaceable counties. No census here: 414 loans give Dallas a guide only.
SBA fitness center loans in the Dallas-Fort Worth-Arlington, TX Metro Area
| Loans approved, FY2017 to FY2026 | 414 |
|---|---|
| Gross dollars approved | $203.3 million |
| Median loan | $305,950 |
| Middle half of loans, from | $150,000 |
| Middle half of loans, to | $524,675 |
| SBA 7(a) loans | 393 |
| SBA 504 loans | 21 |
| Franchise share of loans | 63.8% |
| Rank among metro and micro areas for fitness center loans | 2 of 608 |
| Rank of fitness center among the classes in this area | 3 of 39 |
| Location quotient (share of loans against the national share) | 1.34x |
| Median loan against the national median for the class | 1.18x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 10.2% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | 12.9% |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | 18.2% |
| Charged off within five years of approval | 10.4% |
| Loans in that cohort | 154 |
Both rates are floors. SBA withholds the status of open loans, so a loan counts as charged off only once SBA reports it; a rate needs at least 30 loans in its cohort and is otherwise not reported.
SBA fitness center loans approved in the Dallas-Fort Worth-Arlington, TX Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 35 | $10.2 million |
| FY2018 | 31 | $15.0 million |
| FY2019 | 52 | $22.8 million |
| FY2020 | 36 | $20.0 million |
| FY2021 | 22 | $10.1 million |
| FY2022 | 34 | $17.6 million |
| FY2023 | 48 | $24.3 million |
| FY2024 | 45 | $20.6 million |
| FY2025 | 68 | $27.9 million |
| FY2026 | 43 | $34.8 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| Greater East Texas Certified Development Company | 7 | $19.1 million |
| North Texas Certified Development Corporation | 5 | $10.8 million |
| Lender | Loans | Dollars |
|---|---|---|
| The Huntington National Bank | 68 | $20.6 million |
| Wells Fargo Bank National Association | 33 | $10.7 million |
| Simmons Bank | 17 | $6.6 million |
| Frost Bank | 16 | $7.2 million |
| Stearns Bank National Association | 15 | $3.3 million |
Lenders with 5 or more loans here; a lender with fewer is not listed, and loans SBA or a receiver holds are counted but never listed as a lender.
Where the loans are, by county
| County | Loans |
|---|---|
| Dallas County, TX | 112 |
| Tarrant County, TX | 90 |
| Collin County, TX | 88 |
| Denton County, TX | 86 |
| Rockwall County, TX | 15 |
| Ellis County, TX | 6 |
| Parker County, TX | 5 |
Counties with 5 or more loans; smaller ones are not listed.
Metro is the CBSA (metropolitan or micropolitan statistical area) of the loan's project county, July 2023 delineation (OMB Bulletin 23-01). The county is matched by name (manifests/ld2/county-cbsa-map.csv); a loan whose county cannot be placed in a 2023 CBSA is left out of every metro.
A value marked withheld rests on fewer than 5 loans, or is withheld so that such a figure cannot be derived from other published figures.
Source: U.S. Small Business Administration, 7(a) and 504 loan-level FOIA files (data.sba.gov), as of 2026-09-30; areas from the U.S. Census Bureau CBSA delineation, July 2023 (OMB Bulletin 23-01); Loan Analytics metro cell MA-19100-C33.
Related feasibility study pages
- Feasibility studies for fitness center projects
- Feasibility Study Data for the Dallas-Fort Worth-Arlington, TX Metro Area
- Fitness Center Feasibility Study in Texas
- Texas feasibility studies for SBA and USDA loans
- Feasibility Study Data by Metro Area
- SBA feasibility study consultant
- Fitness Center Feasibility Study in the New York-Newark-Jersey City, NY-NJ Metro Area
- Fitness Center Feasibility Study in the Chicago-Naperville-Elgin, IL-IN Metro Area
- Fitness Center Feasibility Study in the Los Angeles-Long Beach-Anaheim, CA Metro Area
- Fitness Center Feasibility Study in the Houston-Pasadena-The Woodlands, TX Metro Area
- Fitness Center Feasibility Study in the Boston-Cambridge-Newton, MA-NH Metro Area
- Fitness Center Feasibility Study in the Minneapolis-St. Paul-Bloomington, MN-WI Metro Area
- Restaurant Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area
- Quick Service Restaurant Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area
- Child Care Center Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area
- Gas Station Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area
- Medical Office Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area
- Coffee Shop Feasibility Study in the Dallas-Fort Worth-Arlington, TX Metro Area
Loan Analytics prepares the feasibility study a lender reads before it commits: for a fitness center project in the Dallas-Fort Worth-Arlington, TX Metro Area, financed under SBA 7(a), SBA 504, USDA Business and Industry or a conventional bank loan. Tell us the project and the lender's deadline, and we reply with scope, timeline and fee.
Request Scope & Timeline
Start with the data.
Contact Us