Merchant Fund Express
(305) 384-8391Apply

Fast Funding for Fitness Businesses

Quick decisions for gyms, studios and trainers. Funding in as little as 24 hours for qualified businesses, with about three months of bank statements.

Get My Offer

Fast Funding for Fitness

When a broken machine can't wait for a bank

Members notice when equipment sits idle. We keep the process short so you can fix the problem and keep the floor running.

As fast as
24 hours

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.

Speed without a pile of paperwork

Fast decisions, light paperwork

A 5-minute application and about three months of statements. Funding in as little as 24 hours for qualified businesses.

Credit is not the whole story

FICO 500+ considered. We start with a soft pull and weigh your membership and card deposits.

Total cost shown before you accept

Your offer lists the full repayment amount up front, with no surprise costs after you sign.

Repayment you can plan around

The payment schedule is laid out in your offer, so you can line it up with membership draft dates.

Ready to see your numbers?

Fast decisions. Applying takes about 5 minutes.

Apply Now

How it works

Apply in minutes

A short application. A soft credit pull to start.

Fast decision

We review revenue, time in business and bank activity, not just a credit score.

Review your offer

You see the amount, the schedule and the full repayment amount before you sign.

Get funded

Funding in as little as 24 hours for qualified businesses.

What "same-day" really means for a gym owner

When a treadmill motor burns out on a Monday or a landlord wants a deposit for the space next door, waiting weeks on a bank is not an option. People search for same-day funding because they need an answer now.

Here is the honest version from us: decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses. We do not promise money the same day you apply. What we can promise is a short process that does not stall on paperwork.

Why fitness businesses fit a fast review

Most gyms, boutique studios and personal training businesses run on recurring membership drafts, class packs and card payments. That creates a steady deposit pattern in the business bank account, and that pattern is what we look at first.

Where owners use fast money

The requests we see from fitness owners are usually specific and time sensitive:

Pick the right product, not just the fastest

Speed matters, but the product should match the need. A merchant cash advance for fitness is tied to card sales. Working capital for fitness covers general operating gaps. If you want a reusable source of cash for repeated small needs, compare a business line of credit. For a big rack of new machines, equipment financing may make more sense.

How to move quickly on your side

The fastest files are the complete ones. Have your last three months of statements ready, know roughly how much you need and why, and list any existing financing that comes out of your account. Then start the 5-minute application. Your offer will show the full repayment amount and schedule before you accept.

Frequently Asked Questions

Can my gym get funded the same day I apply?

We do not promise same-day funding. Decisions move fast, and funding can arrive in as little as 24 hours for qualified businesses.

What do I need to send?

About three months of business bank statements and a short application that takes around 5 minutes. No tax returns are required.

Will applying hurt my credit?

We start with a soft credit pull to look at options. FICO 500+ is considered.

Does seasonal membership churn count against me?

Funders expect fitness revenue to swing around January and summer. We look at your overall deposit pattern rather than one strong or weak month.

How much can a fitness business get?

Funding ranges from $25,000 to $5,000,000. The amount for your business depends mainly on deposits and existing obligations.

Treadmill repair $12,500.00
Coach payroll $28,000.00
HVAC fix $18,000.00
New rack setup $35,000.00

Example uses for illustration only.

How to improve your chances

A few steps can make your file move faster.

  • Keep three months of statements downloaded and ready
  • Run all membership drafts into one business account
  • List any current financing payments up front
  • Know the exact amount and use before applying

Fast funding vs. a typical bank loan

Merchant Fund Express
Traditional bank loans
Time to funds
As little as 24 hours if qualified
Often several weeks
Documents
About 3 months of bank statements
Tax returns, financials, more
Credit
FICO 500+ considered
Usually strong credit expected
Application
About 5 minutes
Long forms and meetings
Credit check to start
Soft pull
Often a hard pull

Keep your gym floor running

One secure application. A soft credit pull to start. No obligation to accept an offer.

Apply for Funding
Apply NowCall