January fills the floor, summer empties it. Working capital from $25,000 helps gyms and studios cover payroll, equipment and growth all year.
Check My OfferGym and Studio Cash Flow
Churn, seasonal swings and worn equipment test any gym's cash. Funding based on your deposits helps you plan ahead instead of reacting.
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 roughly three months of bank statements. Qualified gyms can be funded in as little as 24 hours.
FICO scores from 500 are considered. Consistent membership deposits carry weight.
Your offer shows the full repayment amount before you accept. No surprise costs after you sign.
The repayment schedule is set out in your offer up front, so you can match it to your membership cycle.
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.
Gyms, studios and training facilities have something many small businesses envy: recurring memberships. But the year is anything but flat. New sign-ups spike in January, cancellations creep up by spring, summer often slows as members travel or train outdoors, and fall brings a second, smaller wave. Rent, coach payroll, utilities and equipment payments stay roughly the same the whole time.
So the fitness cash flow question is less about whether money comes in and more about how much churn you can absorb before fixed costs catch up.
Treadmills, bikes, rowers, racks and cable machines take a beating. A few broken machines on the floor hurt retention fast. Keep a replacement plan by machine age and build a reserve, and for larger refreshes look at equipment financing for fitness businesses so new gear does not drain operating cash.
Use your January cash to build a cushion rather than to expand immediately. Run retention campaigns before the summer drop, add short programs or challenges to keep members engaged, and schedule renovations or flooring work during your quietest weeks so you lose the fewest visits.
It also helps to watch what happens in February and March. Many new January members drift away by then, and the revenue that looked permanent in your first quarter quietly shrinks. Budget against the member count you expect to keep, not the peak.
Funding helps when it supports something with a clear payoff: opening a second studio, adding a recovery room, refreshing equipment before the January rush, or covering payroll through a summer dip. Merchant Fund Express offers working capital for fitness businesses and a business line of credit from $25,000 to $5,000,000.
We review about three months of business bank statements, consider FICO scores from 500, and require no tax returns. Independent trainers and studio owners who are sole proprietors can apply. Apply in about 5 minutes with a soft credit pull; qualified businesses can be funded in as little as 24 hours.
They show up as deposits in your business bank statements, and steady deposits are a key part of our review.
Yes. Refreshing equipment ahead of your busiest season is a common use, through equipment financing or working capital.
Yes. Studios of all sizes can apply, including sole proprietors with steady deposits.
It depends mainly on your deposits and existing obligations. Funding ranges from $25,000 to $5,000,000.
No. We start with a soft credit pull, which does not affect your score.
Example uses for illustration only.
Gym and studio owners can steady cash and strengthen their file with these steps.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding