Carry rent, staff, and equipment payments through the summer and holiday lull. Apply in 5 minutes with a soft credit pull.
Bridge the LullFitness Slow-Season Funding
Quiet months are part of the fitness business. Working capital helps you hold onto your staff and schedule so you are ready when members come back.
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.
A 5-minute application and roughly three months of statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered. We look at deposits and current obligations, including seasonal swings.
See the full repayment amount in your offer before accepting. No surprise costs after you sign.
The repayment schedule is in your offer up front, so you can match it to your calendar.
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.
Anyone who has run a gym knows the pattern. January is packed. By late spring attendance thins, summer pulls people outdoors or on vacation, and the weeks around the holidays go quiet. Rent, equipment payments, and software subscriptions stay the same through all of it.
Slow-season funding gives you working capital to carry fixed costs through the lull so you are not cutting classes or staff right before members come back.
A one-time amount of working capital works if you know roughly what the gap will be. If you would rather draw over several slow months, a line of credit for fitness may fit better. For a side-by-side, see line of credit vs. merchant cash advance for fitness. Our fitness cash flow guide covers planning around seasonality.
We know seasonal businesses have uneven months. We look at your deposits over about three months of bank statements along with existing obligations. FICO 500+ is considered, no tax returns are required, and sole proprietors can apply. Funding runs from $25,000 to $5,000,000, and qualified businesses can be funded in as little as 24 hours.
Your offer lays out the full repayment amount and schedule before you accept. Apply in about five minutes.
For illustration: a strength gym sees its strongest deposits from January through April, then a gradual slide through August. The owner looks back at the last few years of statements and sees the same curve each time. Instead of waiting until rent is due in July, they apply in May while deposits are still healthy, use part of the funds to hold the coaching staff together, and set aside the rest for a back-to-routine campaign in September.
Knowing your own curve lets you ask for an amount that fits the gap, not more than you need, and pick a repayment schedule you can carry through the quiet weeks.
Often, yes. Applying while deposits are still strong gives a clearer picture of your business. That said, you can apply any time.
Funders weigh the overall pattern of deposits and current obligations. A seasonal dip is one factor, not the whole picture.
Yes. Many gyms use working capital to run promotions ahead of their busy season.
The application takes about five minutes. Qualified businesses can be funded in as little as 24 hours.
No. About three months of business bank statements is the main document we review.
Example uses for illustration only.
A little planning makes slow seasons easier to fund.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding