An approved limit for repairs, gear, stock and promotions. Apply in 5 minutes, soft credit pull to start, and no tax returns required.
See My LimitFitness Line of Credit
Gyms face a steady run of costs that are hard to predict. A line of credit keeps cash ready so you can fix, restock or promote on your timeline.
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.
About 5 minutes to apply and three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, starting with a soft pull. Steady dues and sales weigh heavily.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The schedule is laid out in your offer up front so each draw has a plan behind 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.
A cable machine snaps a cable. A treadmill motor dies the week before a challenge kicks off. A good deal on used bumper plates appears and is gone in two days. Running a fitness business means handling a steady stream of costs that are each manageable but hard to predict. A business line of credit gives you an approved limit to draw from when one of those shows up, instead of taking a lump sum you may not need yet.
| Situation | How a line helps |
|---|---|
| Equipment breaks mid-season | Draw for the repair and keep members training. See equipment repair funding. |
| Retail and supplement stock | Restock the shelf before a promotion. See fitness inventory funding. |
| Membership drive | Fund ads and a launch event, then pay down as sign-ups land. |
| Summer lull | Cover a short gap without a large lump sum. |
The process starts with a 5-minute application and a soft credit pull. We review about three months of business bank statements to see recurring dues, class and training revenue, and what the business already pays out. FICO 500+ is considered, no tax returns are required, and sole proprietors can apply.
Our funding ranges from $25,000 to $5,000,000. Your limit depends mainly on your deposit pattern and existing obligations.
A line is about flexibility. A merchant cash advance for fitness is a single lump sum tied to your sales. If you are unsure, our side-by-side line of credit vs. merchant cash advance for fitness lays out the differences. For a defined operating need, working capital for fitness may be simpler.
Treat each draw as a small project with a payback plan: fix the machine, then pay the draw down as dues come in. Your offer shows the full repayment terms and the schedule before you accept, so you can see how draws affect cash flow. When you want a limit in place, start the application.
A line is designed around drawing what you need. The exact repayment terms are spelled out in your offer before you accept.
Yes. Studios of all formats can apply. What matters most is steady deposits through a business bank account.
Limits fall within our $25,000 to $5,000,000 range and depend mainly on your deposits and existing obligations.
We start with a soft credit pull, which does not affect your score the way a hard inquiry would.
Funding can arrive in as little as 24 hours for qualified businesses once the line is set up.
No. About three months of business bank statements and the 5-minute application are the starting point.
Example uses for illustration only.
These habits help a gym earn a stronger line.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding