Gym & Fitness Business Funding

Capital Solutions

Capital That Matches Your Membership Cycles

Fitness businesses have a well-documented revenue pattern: January surges, summer slumps, and renewal cycles that create cash flow gaps throughout the year. Equipment wears out, lease renewals arrive, and expansion opportunities don't wait for your slow season to end. Our fitness industry programs are structured with this reality in mind — flexible repayment that scales with your actual monthly revenue.

$500K

Max same-week funding

Same Day

Fastest funding option

$45K

Average funded amount

Common Funding Uses

Commercial gym equipment (cardio, weights, racks)

Facility renovation and floor replacement

New location build-out or franchise deposit

Seasonal staffing and personal trainer hiring

Class management software and app development

Marketing campaigns for new member acquisition

Lease deposits and buildout improvements

Group fitness programming and instructor certification

Recommended Program

Merchant Cash Advance or Revenue-Based Financing

MCA repayment flexes with your actual membership revenue — you pay less in your slow summer months and more during January resolutions season. Revenue-based financing works well for larger expansion projects with monthly repayment tied to total revenue.

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Quick Qualifications

6+ months in operation
$15,000+ monthly revenue
Active business bank account
All credit profiles considered
Seasonal revenue patterns accepted

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Frequently Asked Questions

Can a fitness business with seasonal revenue qualify?

Absolutely. Seasonal revenue is actually a positive factor for MCA and revenue-based financing because repayment automatically adjusts with your revenue — you pay less in slow months without penalty.

Can I get funding for a brand new gym?

Gyms under 6 months old face limited options. At 6 months with $15,000 monthly revenue, most gyms qualify for initial working capital. Equipment financing is available from day one with a vendor quote.

What about CrossFit affiliates and boutique studios?

CrossFit boxes, Pilates studios, yoga studios, Orangetheory franchises, and other boutique fitness concepts all qualify using the same criteria as traditional gyms.

Can I fund a gym franchise deposit?

Yes. Franchise deposits and initial franchise fees qualify as a use of working capital. We have funded dozens of fitness franchise openings across multiple brands.

Does it matter if my gym is a for-profit vs. non-profit?

Yes. Business financing is available to for-profit fitness businesses. Non-profit organizations (501c3) typically do not qualify for conventional business lending.

Can I use funding to hire personal trainers?

Yes. Payroll, contractor fees, and hiring costs are fully qualified uses of working capital for gym businesses.

How does repayment work for a seasonal gym?

For MCA products, a small fixed percentage of your daily or weekly deposits is remitted — so repayments automatically decline during your slow months. For revenue-based financing, monthly payments are calculated as a percentage of the prior month's revenue.

Can I get funding to buy out a gym partner?

Yes. Business acquisition and partner buyout financing is available through our term loan programs for qualified fitness businesses.

What equipment qualifies for equipment financing?

All commercial fitness equipment qualifies — cardio machines, weight systems, cable machines, benches, turf, climbing rigs, sound systems, and functional training equipment. Both new and used equipment up to 10 years old is typically accepted.

How fast can I get working capital for my gym?

Approved gym owners can receive same-day ACH deposits for working capital. Equipment financing typically closes in 2–5 business days.

Gym & Fitness Business Funding

Capital That Matches Your Membership Cycles

Common Funding Uses

Frequently Asked Questions

Ready to Fund Your Fitness Business?