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Curves franchise financing options

Compare costs, fees and where to get financing for a Curves.

Editor's choice: OnDeck business lines of credit

  • Business loan amounts up to $250k
  • Repayment terms up to 18 months
  • $100k in annual revenue required
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Overall costs for Curves run anywhere from $51,050 to $67,750. See how the costs break down and what funding options might be right for your new venture into the franchise foray.

Estimated initial costs

Our cost estimates are accurate as of 2021 from Franchise Direct and include opening fees and expenses only. The location you choose for your Curves franchise may result in higher or lower fees.

Franchise fees

Curves franchise fees total around $33,750, which beats out the $37,000 average for the 200 largest franchises nationwide.
Franchise Cost
Initial franchise fee $35,000 to $32,500
Estimated total $35,000 to $32,500

Equipment fees

Equipment fees total $9,525 for Curves. This is less than the $180,023 average for the top 200 franchises.
Equipment Cost
Furniture $1,500 to $3,000
TV and sound bar system $550 to $1,000
Computer $500 to $1,000
Signs $1,000 to $3,000
Curves equipment delivery fee $2,500 to $5,000
Estimated total $6,050 to $13,000

Real estate fees

Real estate will set you back $4,375 for Curves, thought it's less than the average of $788,376 for the top 200 franchises.
Real estate Cost
Real estate and improvements Varies to
Site evaluation $0 to $750
Deposits $2,000 to $6,000
Estimated total $2,000 to $6,750

Training fees

Curves initial training costs total $2,750, which comes in under the nationwide average of $9,788.
Training Cost
Travel and living expenses while training $1,500 to $4,000
Training and education requirements Varies to
Estimated total $1,500 to $4,000

Inventory costs

Initial inventory for Curves shakes out to $750. This is less than the nationwide average of $53,119.
Inventory Cost
Supplies $500 to $1,000
Estimated total $500 to $1,000

Marketing costs

Advertisement and marketing costs total up to $6,000 for Curves, beating out the nationwide average of $9,938.
Marketing Cost
Advertising $5,000 to $7,000
Estimated total $5,000 to $7,000

Licenses and permits costs

Curves initial licenses and permits will set you back $250. This comes out to less than $18,770 — the overall nationwide average.
Licenses and permits Cost
Business registration $0 to $500
Estimated total $0 to $500

Other expenses

Miscellaneous expenses for Curves total $2,000 — less than the nationwide average of $69,970.
Other Cost
Professional fees $1,000 to $3,000
Estimated total $1,000 to $3,000
All costs were found using the 200 largest franchises nationwide using Franchise Direct's list of more than 300 franchises, and are accurate as of 2021.

How to finance

Since the estimated total for Curves is on the more costly side, we recommend following these steps to get fully financed:
  1. Go to the Curves franchising website and review its financial requirements, including cash-on-hand requirements.
  2. Reach out to Curves about in-house financing for franchisees.
  3. If in-house financing isn't available, look for online loans, bank loans and SBA loans to help meet the $59,400 estimated opening costs.
  4. Compare lenders based on amounts, interest rates and what types of personal and business credit history they accept.
  5. Once you settle on a lender, gather all required documents, including account statements and assets.
  6. Apply for financing online or in person as required by the lender.

What types of financing is available?

Consider one of the following options for covering a portion of the costs to open a Curves.
  • Online loan. For a turnaround that's faster than a bank, an online business loan could be the way to go. Credit requirements are often more flexible than those of traditional bank loans, too.
  • Credit card. Using a business credit card allows you to spend up to your preapproved limit. This means if extra expenses pop up, you can likely cover them without having to take out another type of financing.
  • Bank loan. If you have stronger credit — typically a score of 670 or higher — a traditional bank loan may get you a more favorable interest rate than a credit card or online loan.
  • SBA loan. Qualifying for an SBA loan is easier than a traditional bank loan, but it typically comes with fees and higher interest rates.
Also check if Curves franchise financing is available. You may be able to get some of the costs covered for less than you would with other traditional funding options.

Compare small business lenders

You may not need financing to cover the estimated $51,050. But if you need funds for other business ventures, select the loan amount, your time in business and revenue and your personal credit score to compare a selection of lenders.
Name Product Filter Values Min. Amount Max. Amount Requirements
Biz2Credit business loans
6+ months in business; $100,000+ monthly revenue; 500+ credit score
Get only the capital you need through secure, prescreened lenders with this highly rated company offering SBA, expansion, working capital and other loans.
OnDeck short-term loans
600+ personal credit score, 1 year in business, $100,000+ annual revenue, active business checking account
A leading online business lender offering flexible financing at competitive fixed rates.
Fora Financial business loans
6+ months in business, $12,000+ monthly revenue, no open bankruptcies
Get qualified for funding in minutes for up to $500,000 without affecting your credit score. Best for companies with at least six figures in annual revenue.
Lendio business loans
Operate business in US or Canada, have a business bank account, 560+ personal credit score
Submit one simple application to potentially get offers from a network of over 300 legit business lenders.
ROK Financial business loans
Eligibility criteria 3+ months in business, $15,000+ in monthly gross sales or $180,000+ in annual sales
A connection service for all types of businesses — even startups.

Compare up to 4 providers

How Curves stacks up

Compare how Curves holds up against two similarly sized franchises.
Anytime Fitness Curves Curves
Average Franchise fees $22,825 $33,750 $33,750
Average Equipment fees $108,682 $9,525 $9,525
Average Real estate fees $117,303 $4,375 $4,375
Average Training fees $1,582 $2,750 $2,750
Average Inventory fees NA $750 $750
Average Marketing fees $9,991 $6,000 $6,000
Average Licenses and permits fees NA $250 $250
Average Insurance fees $1,574 NA NA
Average Admin fees $2,475 NA NA
Average Personnel fees NA NA NA
Average Other fees $3,440 $2,000 $2,000

Bottom line

Curves franchise costs run a total of $59,400. Before you decide to become a franchisee, compare the total costs against industry averages. And to learn more about financing read our guide to franchise financing.

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