Fitness 1440Franchise Cost, Revenue & Review 2026
Data from FDD filing + SBA 7(a) records
FranchiseVerdict summary · 2026
A FITNESS 1440 franchise requires a total initial investment of $369K – $1.9M, including a $50K franchise fee. The 2023 FDD does not disclose unit-level revenue (no Item 19). SBA 7(a) loans show a 16.7% charge-off rate across 20 loans[1]. Verdict grade: C. Run a live ROI scan →
Data last verified June 21, 2026 · figures per the 2023 FDD issuance
Overview
- Investment
- $369K – $1.9M
- 68th pct Health & Fitn…
- Avg gross sales
- N/A
- 59th pct Health & Fitn…
- Royalty
- N/A
- Units
- 36
- 66th pct Health & Fitn…
- SBA default
- 16.7%
- system-wide median varies by category
Quick verdict · Health & Fitness · color = vs category peers
Green = >15% above Health & Fitness avg · No shading = within ±15% · Red = >15% below avg · Source: FDD filings + SBA 7(a)
Data from public FDD filings and SBA records. Not financial advice. Methodology
The system contracted 6% year-over-year. Investigate why units are closing.
Bottom line
- Total investment $369K – $1.9M including a $50K franchise fee.
- No Item 19 financial performance data disclosed. The franchisor chose not to publish revenue figures.
- Verdict C (Average) with a risk score of 68/100. SBA loan charge-off rate of 16.7% across 20 loans (above the 16% franchise average, based on all SBA 7(a) franchise lending, 2010–2024).
- System contracting at -11.4% CAGR over 3 years. Investigate whether closures are franchisor-driven (consolidation) or franchisee-driven (economics).
Item 1 · who you're contracting with
The Franchisor
- Legal entity
- FITNESS 1440, INC.
- Incorporated in
- PA
- HQ
- 870 East Williams Field Road, Gilbert, AZ 85295
- Auditor
- Bielau, Tierney, Coon & Company, P.C.
- Audited financials
- Franchisor revenue
- $1.2M
- vs $1.3M prior year
Overview
About
FITNESS 1440 franchisees operate 24-hour fitness facilities offering gym access, group classes, personal training, and wellness services. Day-to-day operations include facility management, staff hiring/training, member retention programs, equipment maintenance, and marketing to drive recurring membership revenue.
- CEO
- Steven Beach
- Headquarters
- AZ
- Founded
- 2009
- FDD year
- 2023
- States available
- 10
FDD Item 7 · 2023 filing
Initial investment breakdown
| Cost component | Low | High |
|---|---|---|
| Initial franchise fee | $50K | $50K |
| Working capital (3–6 mo) | $45K | $150K |
| Equipment, build-out, other | $274K | $1.7M |
| Total initial investment | $369K | $1.9M |
Source: FITNESS 1440 2023 FDD, Items 5 and 7[2]. “Equipment, build-out, other” is computed as total minus disclosed line items above.
Item 7 · what it costs to open + operate
The Vitals
- Total investment
- $369K – $1.9M
- Below avg, review vs category
- Liquid capital req'd
- $45K – $150K
- Below avg, review vs category
- Franchise fee
- $5K – $50K
- Near category avg vs category
- Royalty
- the greater of 6% of Gross Sales or $2,495 per month
- Ad fund
- 2.0%
- typical 3–5%
- Total fee load
- 8.0%
- vs 9–13% typical
Ongoing fees · Item 6
| Fee | Amount |
|---|---|
| Royalty (flat) | greater of 6% of Gross Sales or $2,495 per month |
| Marketing / ad fund | 2.0% of gross sales |
| Technology fee | $299 |
| Training fee | $500 |
| Transfer fee | $25K |
| Renewal fee | $13K |
| Total fee load | 8.0% of rev |
Financial Performance
This franchisor did not disclose financial performance representations in Item 19, or our extractor could not parse them.
vs Health & Fitness averages
How Fitness 1440 Compares
Unit growth
Item 20 · unit dynamics
The Growth Chart
- Total units
- 36
- Opened
- 2
- Last reporting year
- Closed
- 3
- Terminated
- 0
- Franchisor ended the franchise (per Item 20)
- Non-renewed
- 0
- Term expired, not renewed (per Item 20)
- Turnover rate
- 8.3%
- Company-owned
- 5
- Corporate units in the system
- % franchised
- 86%
- vs corporate-owned
- Multi-unit owners
- 12.5%
- Net growth (yr3)
- -6.1%
- Net unit change last year
- 3-yr CAGR
- -11.4%
- Compounded over last 3 years
3-year detail · Item 20
- Transfers (3yr)
- 0
- Ceased ops
- 8.3%
- Units that stopped operating
Year-over-year franchised unit counts and net change. Source: FDD Item 20.
Item 20 · 13 states with active franchisees
The Territory Map
Derived from franchisee contact records. Shows states with at least one current operator. Not where the franchisor is registered to sell new units (that data is re-extracting in a future refresh).
States derived from franchisee contact records (FDD Item 20). Shows states with at least one current operator on file. Full state registration data (Item 12) will appear on a future FDD refresh.
SBA loan performance
Government records
SBA Loan Data
Aggregated from SBA 7(a) and 504 loan disclosures, public data unique to FranchiseVerdict.
- Total loans
- 20
- Loan volume
- $7.1M
- Median loan
- $243K
- 50th percentile
- Charge-off rate
- 16.7%
- rates vary by category · see methodology
Historical SBA 7(a) lending data, not predictive of future performance. How SBA charge-off rates are calculated
- Repayment rate (PIF)
- 83.3%
- 5-yr charge-off
- 50.0%
- Loans approved 2021+
- Active lenders
- 10
- Defaults
- 1
Explore lender portfolios on Bank Reports or regional data on State Reports.
Premium insight
SBA Lending Report
Deep-dive into Fitness 1440's SBA lending history: lender network, geographic footprint, interest rates, and more.
SBA Lending Report
- Principal loss rate and NAICS industry benchmark
- 10 lenders with concentration factor
- Per-state charge-off rates across 7 states
- Startup risk premium and job creation velocity
- 8-year lending trend
- SBA 504 real estate/equipment data
Instant access. No subscription.
Risk analysis
FranchiseVerdict rating + FDD Items 3, 5, 6, 12, 17
Risk & Legal
Declining system with significant capital requirements, zero performance transparency, and insufficient evidence of franchisee profitability creates substantial investment risk.
Litigation (Item 3)
No litigation required to be disclosed
Bankruptcy (Item 4)
None disclosed
Audited financials (Item 21)
Yes · Bielau, Tierney, Coon & Company, P.C.
Franchisor revenue (Item 21)
Franchisor entity revenue (not unit-level)
Supplier relationship · Items 8 & 16
- Franchisor sells you products: Yes
- Kickbacks from required suppliers: No
- Must buy proprietary products: Yes
- Restricted to system-approved products: Yes
- Can negotiate own supplier terms: No
Score breakdown · what drove the 68 / 100 rating
- 01MINORSystem shrinking 6.1% YoY (36 units) indicates declining franchisee success and brand momentum
- 02MINORNo average revenue or net income disclosure (Item 19) prevents ROI validation and unit economics assessment
- 03MINORHigh capital requirement ($369K-$1.9M) combined with declining unit count suggests poor franchisee profitability
- 04MINORDual royalty structure (6% or $2,495/month minimum) creates cash flow pressure, especially for underperforming locations
- 05MINOR10-year term lock-in is lengthy given system contraction and lack of performance transparency
- 06MINORFitness industry highly competitive with low barriers to entry; franchise model advantages unclear
Severity inferred from the FDD text · not a regulatory classification
FDD Items 5, 6, 12, 17 · continued from Risk & Legal
Contract & Territory Detail
| Initial term | 10 years |
|---|---|
| Renewal term | 10 years |
| Territory type | Radius |
| Protected territory | Yes |
| Exclusive territoryℹ | No |
| Territory radius | 2 mi |
| Online sales rights | Restricted |
| Franchisor can compete | Yes |
| Hire a manager? | Allowed |
| Owner-operator | Optional |
| Non-compete (years)ℹ | 2 years |
| Non-compete (miles)ℹ | 25 mi |
| Right of first refusalℹ | Yes |
| RoFR response window | 30 days |
| Transfer requires consent | Yes |
| Termination notice | 30 days |
| Mandatory arbitration | No |
| Jury trial waiver | Yes |
| Governing law | Arizona |
| Litigation count | 0 |
View Item 3 litigation summary
No litigation required to be disclosed
Items 10, 11
Training & Operations
- Classroom training
- 20 hrs
- On-the-job training
- 20 hrs
- Training location
- On-site and off-site
- Ongoing training
- Required
- Time to open
- 8 mo
- From signing to launch
Items 5 & 11
Franchisor Support
Item 20 · call current owners
Franchisee Contacts
21 owners to call
Name · phone · city · state. Extracted from FDD Item 20
FDD download
FITNESS 1440 · FDD (2023) PDF
Frequently asked questions
Frequently Asked Questions
How much does it cost to open a FITNESS 1440 franchise?
The total investment to open a FITNESS 1440 franchise ranges from $369K – $1.9M, with an initial franchise fee of $50K. This includes real estate, equipment, inventory, and working capital as disclosed in their Franchise Disclosure Document (FDD).
What do FITNESS 1440 franchise owners earn?
FITNESS 1440 does not disclose average franchise owner earnings in their FDD Item 19. Not all franchisors are required to make financial performance representations. We recommend asking existing franchisees directly about their financial experience.
What is FITNESS 1440's franchise failure rate?
Based on SBA 7(a) loan data, FITNESS 1440 has a charge-off rate of 16.7% across 20 loans, meaning 16.7% of franchise loans were charged off. Charge-off rates are one proxy for franchise risk, though they do not capture all closures. This data comes from FOIA-sourced SBA lending records.
How many FITNESS 1440 franchise locations are there?
As of their most recent FDD filing, FITNESS 1440 has 36 total units in the United States, including 31 franchised units and 5 company-owned units. 2 new units were opened in the latest reporting year.
Is FITNESS 1440 a good franchise to buy?
FranchiseVerdict rates FITNESS 1440 as a C-grade franchise with a risk score of 68 out of 100, based on our analysis of investment costs, revenue data, SBA loan performance, and growth trends. Our rating is based solely on publicly available FDD and government data; we recommend speaking with current franchisees before making any investment decision. This is not investment advice.
Data sourced from public FDD filings and SBA 7(a) FOIA records. Not financial advice.
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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.