Why gyms and fitness studios in Las Vegas qualify
Gyms and fitness studios in Las Vegas are classified under Fitness and Recreational Sports Centers, an eligible category. Industry is therefore not the question; the four things every file is read on are.
The cash-cycle problem
Recurring membership billing, which is the most predictable deposit pattern in this list.
In Las Vegas that usually means capital goes to equipment, build-out, a second location, class software, trainer hires.
What applies in Las Vegas
Las Vegas runs on hospitality, conventions and an economy that moves with visitor volume.
Nevada funds normally on every tier.
The published thresholds
Tier 1: 650 FICO, 3 years in business, $300,000 a year or $25,000 a month, 8+ monthly deposits.
Tier 2: 600 FICO, 6 months in business, $60,000 revenue, $800 minimum daily balance.
Renewal: 550 FICO, 2 years in business, once 50% of the original balance is repaid.
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
Questions
Do you fund gyms and fitness studios in Las Vegas?
Yes. The category is eligible; the file is read on revenue, deposits, time in business and existing positions.
What credit score is needed?
There is no hard credit cutoff here. The 650/600/550 tiers are product criteria, not a floor on the business. Scores in the 500s are placed routinely, and files in the 400s are read on revenue, deposit consistency and time in business rather than on the score alone.
How fast can funding arrive?
Same-day decision and next business day funding on a complete file.
What if revenue is seasonal?
January is the peak; summer is the trough. Underwriting reads the average and the deposit count, not the peak month.