Gym & Fitness Business Loans
Equipment is expensive and buildouts aren't cheap — but recurring memberships make fitness a fundable business. Get matched with lenders who get it. Free to apply, no hard credit pull.
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Takes about 2 minutes. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Funding that fits recurring-revenue fitness
Gyms carry heavy upfront costs — machines, buildout, rent — against membership revenue that builds over time. Predictable recurring dues actually make fitness attractive to lenders, and funding lets you invest ahead of growth.
What fitness businesses use funding for
- Buying or replacing equipment and machines
- Building out or expanding the floor
- Covering rent and payroll while membership ramps
- Marketing around peak signup periods like January
- Opening a second location
Options that fit gyms and studios
- Equipment financing for machines and racks
- Revenue-based financing repaid as a share of dues, which fits recurring membership income
- Working capital for buildout and ramp-up
What lenders look at
- Monthly membership revenue and retention
- Time in business
- Deposit consistency — steady recurring dues are a strong signal
Opening a gym and financing equipment with lower credit
Opening a gym or studio means heavy upfront costs — machines, racks, build-out. Equipment financing spreads the cost and uses the equipment as collateral, so approval is accessible even before memberships ramp or with lower credit. Once dues are flowing, revenue-based financing repays as a share of membership income.
Why do thousands of businesses trust LendNest?
Security
Instead of sharing information with multiple lenders, fill out one simple, secure form in 60 seconds or less.
Savings
We'll match you with up to five lenders from our network of our network of lenders who will compete for your business.
Support
A dedicated funding specialist will walk you through your options and help you choose the best offer.
Frequently Asked Questions
See what you may qualify for
Compare offers from our network of lenders. No hard credit pull.
BUSINESS LOAN
What type of business do you own?
Term Loans US LLC, doing business as LendNest, connects business owners with funding partners and is not a lender. LendNest does not make loans or credit decisions and does not provide financial services directly. All funding offers, terms, rates, and approvals are determined solely by independent third-party funding partners. Approval is not guaranteed.
Related funding options
Finance equipment, machinery, and vehicles using the equipment itself as collateral. Easier approval, preserve cash. Compare offers, no hard credit pull.
Revenue-based financing you repay as a percentage of sales — payments flex with your revenue. Compare offers, no hard credit pull.
Working capital loans cover payroll, inventory, and day-to-day costs. Compare offers from our network of lenders with no hard credit pull.
LendNest is a matching service, not a lender. Approval, amount, rates, and terms vary by partner and are not guaranteed.
