Fitness Center Feasibility Study in the Kansas City, MO-KS Metro Area
What SBA's own loan files show about fitness center lending in the Kansas City, MO-KS Metro Area, and what a feasibility study for a project there has to test.
122 fitness center loans in Kansas City
The Kansas City, MO area logged 122 fitness center loans between FY2017 and FY2026, with $57.0 million approved. The median loan is $220,600, and half of the loans sit between $121,250 and $499,750. Next to the class nationally, that median is 0.85x, below it.
Where Kansas City stands, 3 of 39 in class
SBA 7(a) carries 114 of the loans and SBA 504 carries 8, so 7(a) dominates the count. The 8 504 loans in Kansas City finance fixed assets, and the 114 under 7(a) may reach working capital or a business purchase. The franchise share, 50.0%, shows how much of the Kansas City class is branded. Position in the national table: 24 of 608. Position among Kansas City, MO classes: 3 of 39. The Kansas City quotient is 1.51x, which puts the class taking a bigger share of Kansas City lending than nationwide. The leading counties lead: Johnson County, KS (53), Jackson County, MO (39) and Clay County, MO (19) loans. The area spans Kansas and Missouri.
Kansas City, MO lenders, years and the $57.0 million file
Kansas City approvals were highest in FY2025 (18 loans, $6.5 million) and lowest in FY2018 (8 loans, $10.0 million). In Kansas City, 7(a) loans sit mostly with First National Bank of Omaha, 9 loans, $1.5 million; Small Business Bank, 7 loans, $783,700; The Huntington National Bank, 6 loans, $2.9 million. First National Bank of Omaha holds the most loans of the group, 9, while The Huntington National Bank holds fewer, 6, for more dollars, $2.9 million against $1.5 million. SBA's file ties 9 Kansas City loans to First National Bank of Omaha as the current holder around Kansas City; the file is silent on the bank's own practices. The Kansas City cancellation floor is 9.5%, while its ceiling is withheld, not zero. With 122 fitness center loans in Kansas City, the disbursed cohort is too thin to print a loss rate here in Kansas City, so none is shown and none is implied.
The Kansas City study: demand, cost, coverage, appraisal at $499,750
A Kansas City study starts with the pull of nearby households, peak-hour crowding and the memberships a trade area may sustain; the 122-loan file cannot stand in for them. Then Kansas City costs: opening marketing, equipment and floor buildout, each checked for Kansas City and compared with the $220,600 median loan. Stress Kansas City cash flow with a $121,250 loan and a $499,750 loan, then check where coverage weakens. Kansas City, MO appraisers will value membership goodwill, leasehold improvements and the lease term one at a time, so the Kansas City study ought to do the same. 122 Kansas City, MO loans inform the study across Kansas City, but approval of any Kansas City project depends on the project itself and on the lender.
What the Kansas City figures cannot say about fitness center
Kansas City gets its 122 loans through each project's county. Matching Johnson County, KS and its neighbors to Kansas City uses names under the July 2023 delineation. Kansas City cancellation (median $220,600) covers FY2017 to FY2024 approvals here in Kansas City; the charge-off measure uses disbursements from FY2017 to FY2021.
SBA fitness center loans in the Kansas City, MO-KS Metro Area
| Loans approved, FY2017 to FY2026 | 122 |
|---|---|
| Gross dollars approved | $57.0 million |
| Median loan | $220,600 |
| Middle half of loans, from | $121,250 |
| Middle half of loans, to | $499,750 |
| SBA 7(a) loans | 114 |
| SBA 504 loans | 8 |
| Franchise share of loans | 50.0% |
| Rank among metro and micro areas for fitness center loans | 24 of 608 |
| Rank of fitness center among the classes in this area | 3 of 39 |
| Location quotient (share of loans against the national share) | 1.51x |
| Median loan against the national median for the class | 0.85x |
Cancellation and charge-off
| Cancelled after approval, FY2017 to FY2024 approvals (a floor) | 9.5% |
|---|---|
| The same, counting loans still undisbursed as cancelled (a ceiling) | withheld |
| Charged off to date, FY2017 to FY2021 disbursed loans (a floor) | withheld |
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 Kansas City, MO-KS Metro Area, by fiscal year
| Fiscal year | Loans | Dollars |
|---|---|---|
| FY2017 | 10 | $4.0 million |
| FY2018 | 8 | $10.0 million |
| FY2019 | 11 | $2.9 million |
| FY2020 | 11 | $2.2 million |
| FY2021 | 13 | $4.7 million |
| FY2022 | 13 | $6.2 million |
| FY2023 | 17 | $9.0 million |
| FY2024 | 12 | $7.2 million |
| FY2025 | 18 | $6.5 million |
| FY2026 | 9 | $4.3 million |
Most active SBA lenders
| Lender | Loans | Dollars |
|---|---|---|
| First National Bank of Omaha | 9 | $1.5 million |
| Small Business Bank | 7 | $783,700 |
| The Huntington National Bank | 6 | $2.9 million |
| U.S. Bank, National Association | 6 | $1.9 million |
| Regent Bank | 5 | $1.7 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 |
|---|---|
| Johnson County, KS | 53 |
| Jackson County, MO | 39 |
| Clay County, MO | 19 |
| Platte County, MO | 6 |
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-28140-C33.
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