Whether you run a boutique studio, a CrossFit box, or a full-size fitness center, a gym is equipment-heavy and membership-driven. Gym business loans give you capital to outfit the floor, expand, and market — without draining the cash your memberships bring in.
What gym owners fund
- Equipment — cardio, strength machines, free weights, functional gear.
- Build-out & expansion — renovate, add space, or open a new location.
- Marketing — membership drives and campaigns to fill the floor.
- Working capital — staffing, rent and utilities through slower months.
Funding options
Equipment financing for machines and weights with low or no money down. Revenue-based working capital for fast cash — no minimum credit score on many programs. Term loans for build-out and new locations. A no-cost advisor finds the best fit.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | As little as 4 months (equipment: no minimum) |
| Monthly revenue | $10,000+ in deposits |
| Credit score | No minimum on many programs |
| Documents | 1-page application + 4 months bank statements |
Frequently asked questions
How do I finance gym equipment?
Equipment financing covers cardio and strength equipment with low or no down payment, secured by the equipment itself.
Can I get a gym loan with bad credit?
Yes — revenue-based programs approve on your membership deposits with no minimum FICO on many programs.
Can I fund a new location?
Yes — term loans and working capital cover build-out, equipment and launch marketing for a new gym.