Gyms and studios with bruised credit can still apply. FICO 500+ considered, soft pull to start, and about three months of bank statements.
Check My OptionsBad Credit Fitness Funding
Recurring drafts and class sales show how your gym really performs. We weigh that deposit history alongside your credit.
Amount to request
$85,000.00
Funding range$25K to $5M
*Sample amounts shown. Your actual offer depends on your business and is reviewed before approval.
Apply in about 5 minutes with three months of statements. Funding in as little as 24 hours for qualified businesses.
A soft pull starts the process, and your deposit history carries weight next to the score.
The full repayment amount is shown in your offer before you accept, with no surprise costs after you sign.
Your repayment schedule is laid out in the offer up front so you can budget around it.
Fast decisions. Applying takes about 5 minutes.
A short application. A soft credit pull to start.
We review revenue, time in business and bank activity, not just a credit score.
You see the amount, the schedule and the full repayment amount before you sign.
Funding in as little as 24 hours for qualified businesses.
Opening a gym is expensive. Build-out, equipment and months of slow membership growth leave plenty of owners with personal credit that took a hit along the way. Many studio owners also carried the business on personal cards in year one.
That history does not have to close the door. We consider FICO 500+, and we look closely at how your business performs today through its bank deposits.
Credit score is one factor, not the only one. For a fitness business, funders also look at:
A lower score combined with strong deposits can still lead to an offer. A lower score combined with erratic deposits makes it harder. We never treat any single factor as an automatic yes or no.
The application takes about 5 minutes. We start with a soft credit pull, so exploring options does not ding your score. You send about three months of business bank statements. No tax returns are required, and sole proprietors can apply.
Want to see the full picture first? Our guide to qualifying as a fitness business walks through what funders look at.
Because these products lean on revenue, they are often a better match for owners rebuilding credit:
Your offer will show the full repayment amount and the payment schedule before you accept. Check it against your slowest month, not your best one. If the numbers feel tight, take less. A smaller amount repaid smoothly does more for your business than a large one that strains it.
FICO 500+ is considered. Your deposits and existing obligations carry real weight alongside the score.
No. We start with a soft credit pull.
Yes, you can apply. Funders look at the whole file, including how long ago issues happened and how the business performs now.
No tax returns are required. We work from about three months of business bank statements.
Yes. Sole proprietors can apply if the business has steady deposits in a business bank account.
Example uses for illustration only.
These steps can strengthen a fitness file with lower credit.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding