Funding built to help members — and your business — grow
Equipment finance and working capital for gyms and fitness studios investing in new kit, expanding class space, or managing seasonal membership swings.
Investment finance for fitness businesses
Membership income can be seasonal and equipment doesn't come cheap, particularly for a growing studio. We work with lenders who understand both sides of running a fitness business.
Offset rising interest rates
Manageable, fixed monthly repayment plans that keep borrowing costs predictable even as rates move.
Smooth out irregular cash flow
Repayment structures built around your business's income cycle, not a rigid monthly schedule.
Refinance owned equipment
Release capital tied up in assets you already own to reinvest in the business.
Invest in growth
Stay competitive and productive with the equipment or capacity you need, without a large upfront outlay.
of UK SMEs funded through a commercial finance broker had previously been declined funding elsewhere. Source: NACFB Industry Report, 2024.
Equipment and projects we help finance
From a single studio to a multi-site chain, here's what we typically help fund.
Strength & resistance equipment
New and used strength, free weight and resistance equipment.
Cardio & studio equipment
Treadmills, bikes and studio equipment financed without a large upfront cost.
Sauna, spa & recovery facilities
Recovery and wellness facilities to add to your member offering.
Class & studio fit-out
Fit out dedicated class studios and group training spaces.
Gym refurbishment & expansion
Refurbish an existing site or open a new location.
Access control & membership systems
Digital entry, booking and membership management systems.
Finance solutions built for gyms
A snapshot of the products our panel most commonly arranges for clients in this sector — see the full range on our funding options page.
Business Loans
Simple, scalable finance for any business purpose
Learn moreAsset & Equipment Finance
Spread the cost of vehicles, machinery and technology
Learn moreMerchant Cash Advance
Funding that flexes with your card revenue
Learn moreCommercial Property Finance
Purchase or refinance owner-occupied premises
Learn moreRefinance & Consolidation
Release equity and simplify your repayments
Learn more- New equipment to keep pace with member expectations
- Smoothing cash flow through post-peak membership dips
- Opening or refurbishing a second studio location
- Refinancing owned equipment to fund an expansion
Gyms finance, answered
Sector-specific questions we hear most often from businesses like yours.
Yes. Asset finance spreads the cost of strength, cardio and studio equipment over a term, so you're not paying the full cost upfront as membership grows.
Find the funding built for your business
Speak to a funding specialist today, or check your eligibility online in under a minute — no cost, no obligation.