86 SBA loans have financed Retro Fitness locations since 2007, written by 28 different lenders across 10 states. Half were approved for $850K or less, the mix is almost entirely 7(a), and 59% went to owners whose business was under two years old.
A lender that has already underwritten this brand knows the unit economics, the build-out costs, and the franchisor. That is worth more to you than a bigger bank starting from scratch.