An outfitted floor is what keeps members renewing — but it's a big up-front cost. Gym and fitness equipment financing spreads that cost over time so you can open, expand or refresh without draining working capital.
What gym owners finance
- Cardio — treadmills, bikes, ellipticals, rowers.
- Strength — racks, plate-loaded, selectorized machines.
- Functional — rigs, turf, free weights, accessories.
- Studio & recovery — cycle bikes, mats, saunas.
The equipment is the collateral. That makes financing flexible on credit and startup-friendly — with low or no money down.
Typical guidelines
| Requirement | Typical minimum |
|---|---|
| Time in business | Startup-friendly on equipment |
| Credit score | No minimum on many programs |
| Monthly revenue | $10,000+ for revenue-based options |
| Documents | Application + equipment quote |
Need build-out or working capital too? See gym business loans and full equipment financing.
Frequently asked questions
Can I finance used equipment?
Yes — new or used, including liquidation buys.
New gym?
Often yes; the equipment secures the loan and revenue-based options open up once you're operating.