Can I finance a full gym equipment package?

Yes. We finance complete equipment packages from all major manufacturers including Life Fitness, Rogue, Hammer Strength, Precor, and more. Equipment financing uses the gear as collateral so no additional security is required.

Do you fund gym buildouts and new locations?

Absolutely. Our term loan program covers leasehold improvements, flooring, HVAC, lighting, and all construction costs for new or renovated gym spaces.

I run a boutique fitness studio. Can I qualify?

Yes. We fund all types of fitness businesses including boutique studios, CrossFit boxes, yoga studios, Pilates, personal training gyms, and martial arts schools. If you have 6+ months of revenue, you can qualify.

My gym has a membership model with predictable revenue. Does that help approval?

Yes. Recurring membership revenue is viewed favorably because it demonstrates stable and predictable cash flow. This often leads to higher approval amounts and better terms.

🏋️

Business Funding for Gyms & Fitness Studios

Equipment financing, buildout funding, and working capital for gyms, studios, and fitness centers. Fuel your growth with fast capital.

Get Funded Now Find My Loan Match

No Obligation

No Collateral

2-Minute App

$135K

Avg. Funded Amount

92%

Approval Rate

48 hrs

Avg. Funding Time

560+

Gyms & Studios Funded

Why Fitness & Gyms Businesses Choose Slate Financial

Gyms, fitness studios, CrossFit boxes, and personal training businesses require heavy investment in equipment, buildout, and marketing. Membership models create predictable recurring revenue, but scaling requires capital for new locations, equipment refreshes, and marketing to fill memberships. Slate Financial funds fitness businesses quickly so you can focus on your members.

Common Challenges

Full gym equipment packages cost $50K-$500K per location

Lease buildout and flooring costs are significant

Member acquisition requires ongoing marketing investment

Equipment must be refreshed regularly to remain competitive

Banks view fitness businesses as risky despite recurring revenue

How We Help

Equipment financing for cardio, strength, and specialty gear

Term loans for buildout, renovation, and new locations

Lines of credit for marketing and operating expenses

Commercial RE loans for purchasing your own facility

MCAs for fast working capital during slow membership months

Common Funding Needs

What Fitness & Gyms Businesses Use Capital For

Cardio and strength equipment packages

Gym buildout, flooring, and leasehold improvements

Marketing campaigns for member acquisition

New location expansion and franchise fees

Technology upgrades (booking systems, member apps, access control)

Best Funding Options for Fitness & Gyms

Matched to your industry's unique needs and cash flow patterns

Equipment Lending

$10K – $5M

24–48 hours

Finance new or used equipment with competitive rates and flexible terms up to 84 months.

Up to 100% financing New & used equipment Terms up to 84 months

Apply Now

Term Loans

$25K – $5M

24–72 hours

Fixed-rate business term loans with predictable payments and competitive rates for established businesses.

Fixed monthly payments 1–5 year terms Competitive rates

Apply Now

Lines of Credit

$10K – $1M

24–48 hours

Flexible revolving credit lines — draw what you need, when you need it, and only pay interest on what you use.

Draw on-demand Revolving credit Only pay interest on what you use

Apply Now

Commercial Real Estate

$500K – $50M

2–4 weeks

Acquire, refinance, or cash-out on commercial properties with competitive rates and flexible terms.

Purchase & refinance Mixed-use, office, retail, industrial Non-recourse options

Apply Now

Merchant Cash Advance

$5K – $2M

24 hours

Fast working capital based on your future sales. Get funded in as little as 24 hours with minimal paperwork.

Approval based on revenue, not credit No fixed monthly payments Same-day decisions

Apply Now

How It Works

Get Funded in 3 Simple Steps

STEP 01

Apply Online

Complete our simple 2-minute application. No paperwork, no hidden fees.

STEP 02

Get Matched & Approved

Our team matches you with the best products for your industry and gets you approved in as little as 4 hours.

STEP 03

Receive Your Funds

Funds are deposited directly into your business account within 24 hours of approval.

Why Slate Financial

Built to Get You Funded

AI-Powered Underwriting

We match your profile to the right capital fast, with no guesswork.

Licensed in All 50 States

Nationwide coverage so we can fund businesses wherever you operate.

15+ Loan Products

From lines of credit to commercial real estate, matched to your needs.

Funding in as Little as 24 Hours

Move quickly once you're approved, without drawn-out paperwork.

We Never Sell Your Data

Your information stays with us and is used only to fund your business.

States licensed

24hr

Funding speed

$50M

Max deal size

6,000+

Capital sources

FAQ

Fitness & Gyms Funding Questions

Get Funded for Your Fitness & Gyms Business

Join thousands of fitness & gyms businesses that trust Slate Financial. Apply in 2 minutes. Get funded as fast as 24 hours.

No Obligation

No Collateral Required

Same-Day Decisions

Start Your Application Find My Loan Match