How to Finance an INFINITY, beyond fitness Franchise: SBA Basics
By Anthony Cornella
An INFINITY, beyond fitness franchise loan funds a boutique wellness studio that packages coached workouts, nutrition guidance and recovery tools into one membership. Because the brand is an emerging Miami concept with few published figures, buyers need to build their budget from the franchise disclosure document and a specific site before they seek financing.
This article explains the concept, how studio costs usually break down, what the SBA Franchise Directory listing means and how SBA 7(a), conventional, equipment and working capital financing can fit. US Professional Funding is not affiliated with, sponsored by or endorsed by INFINITY, beyond fitness; the name is used only to describe the business. Figures from the franchisor’s disclosure document can change, loan programs vary, and every loan is subject to approval. Nothing here is legal, tax or investment advice.
INFINITY, beyond fitness Franchise Loan at a Glance
- Concept: a boutique wellness studio combining training, nutrition and recovery in one membership
- Home market: Miami, Florida, where the company operates its own studios, including Coconut Grove and Pinecrest
- Training format: a signature variable intensity interval training format with cardio, strength and blended classes
- Franchise fee, royalty and investment range: not verified from the disclosure document; read Items 5, 6 and 7 of the current version
- Net worth and liquidity requirements: not verified; ask the franchisor for its current thresholds
- SBA Franchise Directory: listed as INFINITY, beyond fitness (code S7713), with no additional notes
What Is INFINITY, beyond fitness?
INFINITY, beyond fitness describes itself as a boutique wellness studio rather than a gym. The company says its membership combines coached workouts, personalized nutrition guidance, recovery treatments and ongoing wellness coaching, delivered in person and through the INFINITY app. Plans are personalized and refreshed on a set schedule, and members get group chats and support between visits.
The workouts use a variable intensity interval training format that mixes high, medium and low intensity phases across cardio, strength and blended classes, using cable stations, boxing bags, treadmills and bands. Recovery equipment such as compression and hydro-massage tools is part of the membership experience. Optional add-ons can include personal training, extra wellness coaching and meal planning.
The brand positions itself for everyday adults who want to be healthier and age well, not for elite athletes. It has also described a presale period before opening, when a new owner sells founding memberships to build a base.
How lenders see the concept. A lender looks at an INFINITY, beyond fitness studio as a leased boutique fitness unit with recurring membership revenue, a moderate equipment package and a build-out that includes recovery space. Because the system is young, the lender will focus on the borrower’s liquidity, local demographics, presale results and management experience.
INFINITY, beyond fitness Franchise Costs
Sizing an INFINITY, beyond fitness franchise loan starts with Item 7 of the current Franchise Disclosure Document. We could not verify an investment range from that document or the franchisor’s own franchise pages, so request it early and treat any figure you see elsewhere as unconfirmed.
Initial franchise fee
Item 5 lists the initial franchise fee, when it is due and whether any portion is refundable. Ask whether the fee differs under a multi-unit agreement.
Lease and build-out
Boutique studios typically lease inline or end-cap space in shopping centers near residential neighborhoods. Build-out can include flooring, a training floor, a recovery area, locker rooms or restrooms, a front desk, lighting, sound and HVAC sized for group classes. Negotiate landlord improvement allowances before you finalize the loan amount.
Equipment and technology
Expect treadmills, cable stations, boxing bags, free weights, bands, recovery equipment, heart-rate or tracking technology, audio systems, point-of-sale and scheduling software and signage. The franchisor will specify required models and approved vendors.
Opening costs and working capital
Budget for coach hiring and certification, insurance, deposits, presale marketing and grand opening events. Item 7 includes an additional funds line for the initial operating period; treat it as a minimum, because membership usually ramps over several months.
Item 7 categories to pull from the disclosure document:
- Initial franchise fee and any other amounts paid to the franchisor
- Rent, security deposits and utility deposits
- Leasehold improvements and architectural fees
- Fitness and recovery equipment
- Technology, software and audio-visual systems
- Signage and furniture
- Training travel and expenses
- Presale and grand opening marketing
- Insurance, licenses and professional fees
- Additional funds for the initial operating period
Ongoing Fees and How They Affect Your Loan
Item 6 lists the royalty, any brand fund or local marketing requirement, technology and app fees, and transfer and renewal fees. We could not verify these figures, so rely only on the current document.
When underwriting an INFINITY, beyond fitness franchise loan, lenders subtract royalties, marketing and software fees from projected membership revenue before they calculate debt service coverage. Membership attrition matters too: projections should show how many new members you need each month to replace those who cancel.
Franchisor Requirements for New Owners
We could not verify the franchisor’s net worth or liquid capital minimums. Ask for its current requirements, and expect a lender to look for reserves beyond your cash injection.
The approval process usually includes an inquiry, a review of the disclosure document, calls with the franchise team, a visit to a company studio in Miami and franchisor approval. A fitness, wellness or hospitality background helps, but owners who will hire a studio manager should show how they will oversee sales and staffing.
Ways to Own an INFINITY, beyond fitness Studio
A new studio. Most franchise buyers will open a new location, financed through start-up lending. Our fitness center start-up financing page explains how new studios are funded.
Buying an existing studio. If a franchised studio comes up for sale, the franchisor must approve the transfer and the landlord must consent to the lease assignment. Financing is then based on historical membership revenue. See our fitness center acquisition financing page and our article on buying a boutique fitness studio.
Multiple studios. If the franchisor offers multi-unit rights, lenders usually finance one studio at a time.
Financing Options for an INFINITY, beyond fitness Franchise
SBA 7(a) loans
An SBA 7(a) loan is the most common fit for a leased studio because it can cover the franchise fee, build-out, equipment, presale marketing and working capital in one loan.
SBA 504 loans
An SBA 504 loan fits only when you buy real estate or long-lived fixed assets. Most boutique studios lease, so 504 financing is less common here.
Conventional term loans
Borrowers with strong liquidity and collateral may use conventional business loans, especially for a second studio.
Equipment financing
Treadmills, cable stations, recovery devices and tracking technology can be financed separately through fitness equipment financing and leasing, preserving cash for the opening.
Working capital and lines of credit
Membership sales often peak in January and before summer, and dip around holidays. A fitness center working capital line helps cover rent and coach payroll during the ramp-up.
Seller financing on resales
On a resale, a seller may carry part of the price. Seller notes are typically subordinate to the senior loan, and SBA rules may limit how they are structured.
SBA Loans for INFINITY, beyond fitness Franchisees
The SBA guarantees part of loans made by participating lenders, and the 7(a) program currently has a $5 million maximum (program rules can change). For franchise loans, the lender checks the SBA Franchise Directory to confirm the brand’s agreements meet SBA eligibility rules.
INFINITY, beyond fitness is listed on the SBA Franchise Directory under code S7713 with no additional notes. In plain terms, the franchise documents have been reviewed for SBA eligibility and no brand-specific addendum or lease condition is flagged, so the lender can move directly to underwriting you and the site.
SBA application tips. Bring the disclosure document and franchise agreement, a signed or proposed lease, contractor bids, an equipment list, personal financial statements, tax returns and a business plan with monthly membership projections. Our article on SBA loans for gyms covers what underwriters typically request.
How Lenders Evaluate an INFINITY, beyond fitness Deal
Personal credit and financial history
Lenders review your credit report, debts and payment history.
Net worth and liquidity
Expect the lender to verify your cash injection and the reserves left after closing.
Industry and management experience
Fitness, wellness, sales or multi-unit management experience helps. If you lack it, show the studio manager and coaching team you plan to hire.
Business plan and projections
Model presale memberships, monthly growth, attrition and add-on revenue from personal training and meal planning separately. Show staffing needed to deliver classes, nutrition coaching and recovery sessions.
The FDD and franchise agreement
Lenders read Items 5, 6, 7, 10, 17 and 20, and note whether Item 19 includes financial performance representations. Our article on reading an FDD for financing explains each one.
The site and lease
Lenders want a lease term, including options, that covers the loan term, plus parking, visibility and co-tenancy that support class schedules.
Historical financials for resales
For an existing studio, expect requests for tax returns, profit and loss statements, member counts and cancellation history.
Equipment and Recovery Space Deep Dive
The equipment package mixes standard fitness gear, which holds resale value and suits equipment loans, with recovery devices and technology that may need replacement sooner. Ask the franchisor which equipment is required, which vendors are approved and how often upgrades are expected, and budget for those refresh costs.
Recovery areas may need extra electrical capacity, plumbing or privacy partitions, which adds to build-out. Lenders also require general liability and professional liability coverage before closing.
Multi-Unit Growth and Development Agreements
If you plan several studios, ask whether development agreements are offered, how territories are defined and what opening schedule applies. A lender financing a second studio will review the first studio’s membership trend, your remaining liquidity and the management bench. Our article on multi-location gym financing explains the sequencing.
Real-World Scenarios
A career changer. A corporate professional with savings opens one studio. An SBA 7(a) loan covers build-out and the franchise fee, and equipment financing covers recovery devices.
A personal trainer. A trainer with an existing client base becomes an owner. The lender credits her industry experience and the clients likely to join during presale.
An existing fitness owner. An owner of another studio adds a location and uses conventional financing backed by the existing business.
Common Mistakes to Avoid
- Signing a lease before franchisor and lender review
- Projecting membership growth without attrition
- Underestimating presale marketing and ramp-up time
- Spending all available cash on the down payment
- Ignoring refresh costs for recovery equipment
Read our full list of fitness center loan mistakes.
Next Steps to Finance Your INFINITY, beyond fitness Franchise
Step 1: Request the current disclosure document. Focus on Items 5, 6, 7, 10 and 17.
Step 2: Confirm the franchisor’s requirements. Ask for current net worth and liquidity thresholds.
Step 3: Estimate your payment. Use our SBA loan calculator to test loan sizes.
Step 4: Identify a site. Look for space near the residential customers the brand targets.
Step 5: Build your business plan. Include every Item 7 line, presale targets and attrition.
Step 6: Talk with a financing specialist. Compare SBA 7(a), conventional and equipment financing.
Step 7: Coordinate approvals. Align franchisor approval, lease signing and loan closing.
INFINITY, beyond fitness Franchise Loan FAQs
How much does an INFINITY, beyond fitness franchise cost?
The estimated initial investment is in Item 7 of the current disclosure document. We could not verify a range, so rely on that document.
What is the franchise fee?
Item 5 lists the fee and when it is due.
What royalty does the brand charge?
The royalty and other recurring fees are in Item 6.
Can I get an SBA loan for this franchise?
The brand is listed on the SBA Franchise Directory under code S7713 with no notes, which simplifies the eligibility review. Approval still depends on the borrower and site.
Is it a gym or a wellness studio?
The company positions it as a wellness studio that combines training, nutrition and recovery, which lenders generally underwrite like a boutique fitness studio.
Can I finance equipment separately?
Yes. Fitness and recovery equipment can be financed through equipment loans or leases.
Can I buy an existing studio?
If one is for sale, the franchisor must approve the transfer, and the loan will be based on historical results.
Do I need fitness experience?
It helps, but lenders also value sales and management experience and a strong studio manager.
Does the franchisor offer financing?
Any franchisor financing appears in Item 10 of the disclosure document.
How long is the franchise term?
The term and renewal rights are in Item 17. Lenders want the franchise and lease terms to cover the loan term.
What documents will I need?
Tax returns, a personal financial statement, the disclosure document, the lease, contractor bids and a business plan.
Final Thoughts
An INFINITY, beyond fitness franchise loan finances a membership-driven wellness studio where presales, retention and coaching quality determine cash flow. Start with the current disclosure document, choose a site near your target members and keep reserves for the ramp-up.
US Professional Funding helps owners finance franchise start-ups, resales, equipment and working capital. Learn more about our franchise financing and fitness center financing.
