Franchise funding
How a 24/7 club with recurring membership drafts and a fixed royalty is read for equipment and working capital.
✓ Merchant Fund Express starts with a soft credit pull. Terms depend on your business's revenue and history.
Updated October 21, 2026 · Merchant Fund Express
Already running a Anytime Fitness location and need capital? Merchant Fund Express funds existing Anytime Fitness owners: business loans, merchant cash advances, revenue-based financing, lines of credit, equipment financing and working capital. Funding runs from $25,000 to $5,000,000. Membership drafts give a club a steady deposit pattern, and the flat monthly royalty is read as a fixed obligation before any payment is sized. A complete file gets a same-day decision, often funded the next business day.
Club owners who already operate one club or several. The model runs around the clock with key-fob access, a lean staff and revenue that arrives mostly as recurring membership drafts. That makes the deposit history unusually predictable, and it makes equipment the largest periodic cost.
This page sits under our fitness franchise funding sector guide, which compares gym concepts; the fitness industry page covers independent clubs.
Checked Oct 2026 against the franchisor's own published materials. Figures change; confirm current numbers in the latest Franchise Disclosure Document. Figures we could not confirm from an official source are left out.
Already running a Anytime Fitness location and need capital? Merchant Fund Express funds existing Anytime Fitness owners with every product below. Terms depend on the business's revenue and history.
Compare them side by side in MCA vs business loan, or read the fitness franchise guide.
| Need | Product | Published requirement it leans on | What to send |
|---|---|---|---|
| Replace cardio or strength line | Equipment financing | Vendor quote, useful life | Quote, 3 months of statements |
| Access control or camera failure | Working capital | Tier 2: 6+ months, FICO 600+, $60K verifiable revenue | Repair invoice, statements |
| Seasonal draft softness | Line of credit | Tier 1: 3+ years, FICO 650+, average balance $5K or 10% of monthly revenue | Statements, debt schedule |
| Locker room or floor refresh | Term loan | Tier 1, first position only | Contractor estimate |
| Newer club still ramping | Revenue-based financing | Tier 2 minimum daily balance $800 | Statements, draft processor reports |
Membership revenue usually arrives through a billing processor in batches rather than as daily card sales, so we read the processor deposits alongside the bank account. Our page on processor statements explains what to include.
No tax returns for a typical first review; full financials only above $250,000.
Picture a club whose deposits run $46,000 a month in strong months and $39,000 in soft months. Fixed costs are $1,000 in royalty, $9,500 rent, $6,800 payroll and utilities, and $2,200 in equipment lease payments. The owner wants a $72,000 cardio replacement.
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.
A club that has not opened has no drafts to read, so Merchant Fund Express needs an operating history first; see opening a gym franchise. Existing owners adding a club are reviewed on the current clubs' deposits, entity by entity. Taking over another owner's club follows franchise transfer financing.
Yes, if the club is open and its drafts settle into a business account. Sole proprietors and ITIN applicants are accepted in all 50 states.
Bank statements and billing processor statements for about 3 months, plus quotes for any equipment. Merchant Fund Express does not ask for tax returns on a typical first review.
Yes. Cardio, strength and access-control equipment is reviewed on a vendor quote and its useful life.
Each club or entity is read on its own drafts and its own fixed royalty. One club's strong months do not have to carry a weaker club's request.
No. Merchant Fund Express is independent. We use the Anytime Fitness name only to identify the owners this page is for; it does not mean the franchisor endorses or works with us.
Merchant Fund Express is independent. Not affiliated with or endorsed by Anytime Fitness or its franchisor. Brand names identify the owner audience only.
Merchant Fund Express reviews your location's revenue, deposits and existing payments. Same-day decision on a complete file; funding often the next business day. About five minutes to apply.
