Industry Financing
Fitness Center & Gym Financing
Equipment loans, buildout financing, and working capital for gyms, boutique fitness studios, and wellness centers.
Check Your Eligibility →Funding Amount
$25K – $3M
Typical Terms
2–10 years
Rates Starting At
6.75%
What We Finance
Fitness businesses are equipment-intensive and location-driven. From cardio and strength equipment packages to full-scale facility buildouts, we structure financing for gym owners at every stage — startup to multi-location.
- •Fitness equipment packages: cardio, strength, functional, flooring
- •Leasehold improvement and buildout financing
- •SBA 7(a) for gym acquisitions and large facility builds
- •Franchise startup capital (Planet Fitness, Anytime Fitness, F45)
- •Working capital for payroll and operations pre-membership ramp
- •Technology and software (MindBody, gym management platforms)
Business Types We Work With
- ✓Full-service gyms and health clubs
- ✓Boutique fitness (cycling, yoga, Pilates, boxing)
- ✓Franchise fitness locations
- ✓Personal training studios
- ✓CrossFit and functional fitness boxes
- ✓Aquatic and racquet clubs
- ✓Recovery and wellness centers
Why Lenders Approve This Industry
Membership-based revenue creates a predictable, subscription-like cash flow that lenders can model. Equipment is depreciable collateral. SBA is highly active in franchise fitness acquisitions with strong FDD documentation.
Typical Qualification Requirements
- ✓Business plan or operating history
- ✓12+ months preferred (startup programs available)
- ✓620+ credit score
- ✓Lease or real estate documentation
- ✓For acquisitions: 2+ years of membership and revenue history
Requirements vary by program and lender. Many businesses that were declined elsewhere qualify through our network.