# Anytime Fitness Franchise Funding for Existing Owners

> Funding for existing Anytime Fitness owners: equipment replacement, 24/7 access systems and membership draft cash flow, sized after the flat monthly royalty.

Source: https://mfebusinessloans.com/franchise-funding/brands/anytime-fitness/ (Merchant Fund Express, updated 2026-10-21)

## The short answer

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.

## Who is this page for?

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.

## What the franchisor publishes

Anytime Fitness: facts from official sources
Franchisor family: Purpose Brands (source)
Initial franchise fee: $42,500 (additional locations $27,500 each) (source)
Royalty: A flat $842 per month per center for 1 to 9 gyms; $647 per month for 10+ (source)
Initial investment range: $539,329 to $905,482 (source)
Liquid capital / net worth asked of new franchisees: $225,000 ideal / $380,000 minimum (source)
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.

## Which problems do Anytime Fitness owners usually bring to a review?

Cardio and strength equipment reaches the end of its life. Treadmills and selectorized machines used at all hours wear faster than daytime gyms. Equipment financing on a vendor quote spreads a replacement package over its useful life, and our fitness equipment repair page covers the repair-or-replace choice.
The 24/7 access system or cameras need an upgrade. Door controllers, fob readers and security cameras are what let the club run unstaffed. A failure is urgent; short working capital fixes it while a larger quote is arranged.
Membership drafts dip in late spring and summer. New sign-ups cluster early in the year, and cancellations follow. A line of credit covers the soft months without a lump-sum advance.

## Every way to fund your Anytime Fitness location

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.
Business loan: a term loan with weekly payments for a planned project at your Anytime Fitness location, such as a refresh or a bundle of equipment.
Merchant cash advance: quick capital sized on membership draft deposits.
Revenue-based financing: repaid from a share of sales, which suits a store whose weeks are uneven.
Line of credit: a revolving line up to $350,000, with interest only on what is drawn.
Equipment financing: cardio and strength equipment refreshes.
Working capital: staff payroll and the months when membership drafts dip.
Compare them side by side in MCA vs business loan, or read the fitness franchise guide.

## Which product fits which club need?

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 |

## How does the review read an Anytime Fitness club?

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.
Entity: the LLC that owns the club and holds the deposit account.
Deposits: draft batches, personal training and retail sales, separated from owner transfers.
Royalty: the flat monthly royalty is a fixed obligation, read like rent. Unlike a percentage royalty it does not fall in a slow month, so capacity is sized against the lower months.
Existing positions: counted in full; a new structure can lower the combined payment.

## What documents does an Anytime Fitness funding review need?

About 3 months of business bank statements as bank-issued PDFs
Membership billing processor statements for the same months
The five-minute application, starting with a soft credit pull
Equipment or access-system quote, if that is the purpose
Current loans or advances with their payment amounts
No tax returns for a typical first review; full financials only above $250,000.

## A hypothetical club budget scenario

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.
Soft-month deposits (used for sizing)$39,000
Less royalty, rent, payroll/utilities, leases$39,000 - $1,000 - $9,500 - $6,800 - $2,200 = $19,500
$72,000 over 48 monthsabout $1,500/month before cost of funds
Share of soft-month remainder$1,500 / $19,500 = about 7.7%
Figures in this example are illustrations of the arithmetic, not an offer, quote or approval. Real terms depend on the file and the funder.

## What if you are buying or opening a club instead?

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.

## Keep reading

Fitness franchise funding: every brand page in the sector
Franchise brands we cover: every brand page in this guide
Fitness equipment repair funding: repair or replace math
Fitness payroll funding: covering staff in soft months
Franchise equipment financing: quote-based requests for franchised units

## Common questions

### Can an existing Anytime Fitness owner apply?

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.

### Which documents does a club owner need?

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.

### Can I finance new equipment for my Anytime Fitness club?

Yes. Cardio, strength and access-control equipment is reviewed on a vendor quote and its useful life.

### What if I own several Anytime Fitness clubs?

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.

### Are you affiliated with Anytime Fitness?

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.

Apply with Merchant Fund Express: https://merchantfundexpress.com/current-application.html?utm_source=mfebusinessloans.com&utm_medium=franchise&utm_campaign=franchise-funding&utm_content=anytime-fitness