Who we fund
Gym and Fitness Studio Loans for Equipment, Buildouts, and Growth
Yes, gyms, boutique studios, and personal training businesses can get funding. Equipment financing is the most common starting point, while working capital and lines of credit help cover the seasonal swings in memberships.
Get matched: fitness
The reality
Cash-flow challenges we hear every day.
Heavy equipment investment
Treadmills, racks, rowers, and specialty equipment for cycling or pilates are expensive and wear out with heavy use. Replacing them keeps members but costs a lot upfront.
Membership churn and seasonal swings
Sign-ups spike in January and drop off in summer, and cancellations are a constant. Monthly revenue can move more than owners expect.
Large buildouts with long leases
Fitness spaces need flooring, locker rooms, showers, and HVAC upgrades. These costs come before the first member walks in.
Presale and launch costs for new locations
Opening a new studio often means marketing and staffing for months of presales before revenue covers the rent.
Best-fit funding
Funding that fits fitness.
Cardio machines, strength equipment, and reformers can be financed on their own collateral, so you keep cash for marketing and payroll.
$10K–$5M‡2–5 days*SBA loans work for large buildouts, new locations, or buying an existing gym, with long terms that match the time it takes to build membership.
$50K–$5M‡30–90 days*A line of credit helps cover rent and payroll in the slower summer months and gets paid down after the January rush.
$10K–$500K‡1–3 days*A term loan with fixed payments fits a defined project like a locker room renovation or adding a recovery area.
$25K–$2M‡2–7 days*What lenders look for
Typical profile for fitness.
Lenders typically look at recurring membership revenue, churn, bank statements, and time in business. Franchise studios may also be reviewed against the brand's track record and franchise agreement.
Common uses of funds
- Buying or replacing cardio and strength equipment
- Building out locker rooms, flooring, and showers
- Funding presale marketing for a new studio
- Adding recovery services like saunas or cold plunges
- Covering payroll during slow summer months
- Opening an additional location
Can I finance gym equipment with bad credit?
Equipment financing can be more flexible than unsecured loans because the equipment secures the loan, though weaker credit may mean a larger down payment or higher cost.
Do lenders count membership revenue as stable income?
Recurring billing helps show predictable revenue, but lenders also look at churn and how many members are on month-to-month plans.
How do I finance opening a fitness franchise?
Many franchise owners use SBA loans, sometimes combined with equipment financing. Lenders will review the franchise disclosure document and your available capital.
Can personal trainers get a business loan?
Yes, independent trainers with business bank accounts and steady deposits can qualify for smaller loans or equipment financing for a home or private studio.
Funding for fitness, matched in minutes.
- Decisions in as little as 24 hours*
- $10K–$5M+ across 10 products
- No hard credit pull to apply
- One dedicated funding advisor