Delta Life Fitness Franchise Cost, Revenue & Review 2026
Analysis by FranchiseVerdict Research · Methodology
SBA Loan Data Only
This franchise has SBA 7(a) lending history but no Franchise Disclosure Document (FDD) on file. Investment costs, revenue, fees, and contract terms are not available. The Verdict score is based solely on SBA loan performance data.
FranchiseVerdict summary · 2026
A Delta Life Fitness franchise has no franchise disclosure document on file, so investment figures are not available. Run a live ROI scan →
Sources, dates and evidence
Evidence: thin✗ Investment (Item 7)✗ Item 19 status✗ Units and owners (Item 20)✓ SBA loan coverage✗ Litigation (Item 3)✗ Financial statements (Item 21)✗ Franchisor identityhow this is scored
Overview
- SBA loans
- 12
- Loan volume
- $3.1M
- Charge-off rate
- N/A
- Avg loan
- $259K
- Lenders
- 4
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 12
- Loan volume
- $3.1M
- Median loan
- $269K
- 50th percentile
- Charge-off rate
- Limited · 12 loans
- Limited SBA coverage: 12 loans, rate hidden until 10 have resolved and loans reach 2% of franchised units
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- Limited · 12 loans
- 5-yr charge-off
- Limited · 12 loans
- Loans approved 2021+
- Active lenders
- 4
- Defaults
- 3
- Typical loan rate
- 7.2%
- avg rate to borrowers
- vs industry
- N/A
- NAICS 7139
- Jobs supported
- 89
- 2.9 per loan
- Lender concentration
- 58%
- top lender's share
Borrower mix: 83% went to startups / new businesses, 17% to established operators
Top lenders financing Delta Life Fitness franchisees
Showing 3 of 4 lenders. The full breakdown — every lender, state distribution, interest rates & risk ratings — is in the SBA Lending Report below.
Explore lender portfolios on Bank Reports or regional data on State Reports.
Lender network · 7(a) + 504
SBA Lending Report
Full lending analysis for Delta Life Fitness from SBA 7(a) FOIA data.
- Principal loss rate
- 20.9%
- Avg SBA guarantee
- 72%
- Avg interest rate
- 7.17%
- Avg chargeoff amount
- $217K
- Lender concentration
- 58.3%
- Job velocity
- 2.9 per $100K
- Jobs supported
- 89
Top SBA lendersTop lender holds 58% of loans
| # | Lender | Loans | Volume | Default % |
|---|---|---|---|---|
| 1 | 7 | N/A | N/A | |
| 2 | 3 | N/A | N/A | |
| 3 | 1 | N/A | N/A | |
| 4 | 1 | N/A | N/A |
Geographic failure vector
| State | Loans | Defaults | Rate |
|---|---|---|---|
| TXTexas | 6 | 1 | 33.3% |
| FLFlorida | 3 | 2 | 100.0% |
| AZArizona | 1 | 0 | -- |
| ILIllinois | 1 | 0 | -- |
| TNTennessee | 1 | 0 | 0.0% |
SBA 7(a) lending trend
Borrower profile
Source: SBA 7(a) + 504 FOIA loan-level data, matched by FranchiseVerdict
What could kill this investment?
Source: SBA 7(a) FOIA · FDD Items 3, 21
Risk analysis
FranchiseVerdict rating · based on SBA data
Risk & Legal
What are you signing up for?
Source: FDD · Items 11, 12, 17
Frequently asked questions
Frequently Asked Questions
What do Delta Life Fitness franchise owners earn?
No average owner earnings figure for Delta Life Fitness is on file. Item 19 — where a franchisor may disclose what its outlets earn — is voluntary under the FTC Franchise Rule, and we have not established what this brand's FDD says. Item 20 of the FDD lists current and former franchisees; asking them directly is the standard way to fill this gap.
What is Item 19 in the Delta Life Fitness FDD?
The FDD section where a franchisor may disclose financial performance of its outlets. Disclosure is optional and formats vary; figures are typically gross sales, which is revenue before expenses, not profit. FranchiseVerdict extracts these figures directly from the Delta Life Fitness FDD and qualifies whose outlets they describe.
What is Delta Life Fitness's franchise failure rate?
SBA 7(a) loan charge-off data is not available for Delta Life Fitness (fewer than 10 loans on file). Charge-off rates are one way to gauge franchise risk, but not all franchise loans go through the SBA program. We recommend reviewing turnover and closure data in the FDD and speaking with current franchisees.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
For franchisors
Are you the franchisor?
If you represent Delta Life Fitness, you can request corrections or provide updated information.
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Data extracted from public FDD filings and SBA 7(a) loan disclosures (FOIA). This information is provided for research purposes only and does not constitute financial, legal, or investment advice. Verify all figures with the franchisor's current Franchise Disclosure Document before making any investment decision.