Looking for advice on gym acquisitions.

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April 14, 2026

by a searcher in Midland, TX, USA

I currently serve as Vice President of Operations for a national franchise gym group with 7 locations across 3 states. We have very strong financial performance, with net income above $1M on $3.5M in sales, which positions us well for traditional bank financing approval. The challenge is that I also have a separate business I started, and I don’t have enough personal cash flow to fully support a $5–6M acquisition on my own. That said, I’ve been fully responsible for operations for the past five years, and I’m confident in the business's performance and scalability. I’m exploring options to structure this deal so I can move forward despite limited personal liquidity—potentially leveraging strong business cash flow, partners, or creative financing structures. There’s also a strong opportunity ahead, as many single-unit franchise owners are looking to exit. I want to position myself to continue acquiring and expanding the group as those opportunities arise. If anyone has experience with acquisitions, SBA structures, or creative deal financing in this space, I’d appreciate any insight.
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Reply by a lender
from Eastern Illinois University in 900 E Diehl Rd, Naperville, IL 60563, USA
I would love to have a conversation and learn more about your situation and see how we might be able to assist you from a lending perspective. There are ways to fund growth via SBA loans with $0 money down so long as you are buying the same NAICS code your business is already in. In addition, there are plenty of equity investors out there that could also help partner in your growth. There may be ways to access equity in existing operations as well. If you would like to discuss options, you can reach me here or directly at redacted
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