Staff up for January, ride out summer, or refresh your floor. Compare a credit line with a lump-sum advance. From $25,000.
Compare My OptionsGym & Studio Funding
Seasonal swings and one-time projects need different tools. We show fitness owners both options so they can choose with clear numbers.
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 about three months of bank statements. Funding in as little as 24 hours for qualified businesses.
FICO 500+ considered, with a soft credit pull first so you can see options without a score impact.
The full repayment amount is shown in your offer before you accept. No surprise costs after you sign.
Repayment is laid out in your offer up front, so you can plan around membership cycles.
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 and studios get recurring membership drafts, which makes deposits fairly steady. But the year has a shape: a surge of sign-ups after New Year, a slower stretch in summer, and constant wear on treadmills, racks and HVAC. When a studio owner needs more room to operate, the comparison usually lands on a business line of credit versus a merchant cash advance.
A line of credit is an approved limit you draw on and pay back, then draw again. In fitness, it handles the recurring, unpredictable stuff:
See business line of credit for fitness.
An advance delivers one deposit up front, repaid from future revenue. Fitness owners tend to use one for a defined project: a full equipment refresh, a locker room remodel, building out a recovery or sauna area, or opening a second studio. More at merchant cash advance for fitness. For a gear-only purchase, also look at equipment financing for fitness.
Start with the calendar. If your need follows the seasonal curve and repeats every year, a line of credit lets you draw only when it bites. If you have a single project with a quote in hand, an advance gets the whole amount in place at once. Boutique studios with class-pack sales and big-box gyms with monthly drafts can both use either; the deciding factor is the shape of the need. Offers show the full repayment amount and schedule before you accept.
We fund $25,000 to $5,000,000 for established fitness businesses with steady deposits. The application takes about 5 minutes and starts with a soft credit pull. We review about three months of business bank statements and do not require tax returns. FICO 500+ is considered, and independent trainers or studio owners running as sole proprietors can apply. Funding can arrive in as little as 24 hours for qualified businesses. Apply online.
Recurring drafts that land in your business account show steady deposits, which is a key part of what funders review.
A single large equipment purchase often fits an advance or equipment financing better than a revolving line.
Yes. Drawing during slower months and repaying when sign-ups pick up again is a common way gyms use a line.
Yes. Sole proprietors can apply as long as the business shows steady deposits.
No. We review about three months of business bank statements and run a soft credit pull to start.
Example uses for illustration only.
These habits help funders get a clear picture of your gym's cash flow.
One secure application. A soft credit pull to start. No obligation to accept an offer.
Apply for Funding