Specialized funding for gyms, fitness studios, and health clubs in the US and Canada. Get equipment financing, working capital, and expansion loans with industry-specific terms for fitness businesses.
Gyms and fitness studios face unique financial challenges that require tailored solutions:
Custom funding options for health clubs, boutique studios, and fitness businesses:
"A CrossFit affiliate secured $120K at 6.5% APR through our fitness industry lending program to expand their facility and purchase new equipment."
"A Vancouver-based yoga studio accessed $75K CAD through our Canadian fitness lenders to cover leasehold improvements and marketing costs."
Most gyms need 20-30% more capital than initially projected for build-out, equipment, and operating expenses during the ramp-up period.
Fitness businesses need dedicated business bank accounts and credit profiles to qualify for better funding terms.
Specialty fitness lenders offer better terms (longer periods, lower rates) than general business loans for gym equipment.
Time financing applications when your membership is strongest (typically Q4 for most gyms) rather than during summer slowdowns.
Many lenders will provide financing based on recurring revenue from signed membership agreements.
Get our 30-point guide to improving your fitness business's financing options in 2025-2026:
This checklist helped a boutique cycling studio increase their available credit from $25K to $175K in six months by optimizing their financial profile and membership documentation.
Choose your next step to access better financing for equipment, expansion, and working capital needs: