Financing for gyms and studios
Most gym operators are opening their first location, which makes a start-up file the normal case in this category rather than the exception.
In short
A studio equipment package runs $20,000 to $80,000 and an apartment amenity room $15,000 to $60,000. Equipment finance from $500 covers machines, flooring, mirrors and fit-out, with start-ups considered — which matters because most new gyms have no trading history to show. Used commercial equipment is financed on the same terms.
Your counter
What a fit-out costs and how it is financed
Fit-out is not an extra. Flooring and mirrors on a 2,000 square foot studio are a five-figure line.
| Project | Typical cost | Program |
|---|---|---|
| Boutique studio, 6–12 pieces | $20,000–$50,000 | Equipment finance |
| Full gym fit-out | $60,000–$250,000 | Equipment finance |
| Rubber flooring and mirrors | $8,000–$30,000 | With the equipment |
| Apartment amenity room | $15,000–$60,000 | Equipment finance or HOA program |
| Used commercial package | 30–60% of new | Equipment finance |
| Equipment refresh, existing gym | $10,000–$60,000 | Equipment finance |
Why fitness
Three things that decide these deals
Start-ups are the norm
Owner credit, industry experience and a down payment carry a file with no trading history. Operators who have managed a gym for someone else should say so explicitly — it is not assumed.
Used equipment is a real market
Gym closures put high-quality commercial equipment on the market at a fraction of new, and it finances exactly the same way.
HOAs and apartments are a separate buyer
Property managers fitting out amenity rooms use equipment leases or a dedicated club and HOA program, often alongside clubhouse projects.
Joining
How onboarding runs
Gather documents
Business and ownership details, banking information, and photographs of your store front and interior.
Submit the enquiry
Expect an email within 12 to 24 hours to schedule a discovery call with the onboarding team.
Discovery call
We work out which programs suit your category, your ticket sizes and your customers’ credit mix.
Agreement and go live
A merchant agreement follows for review and signature, then your link, QR code and staff training.
Questions
Merchant questions
Can a brand new gym get equipment finance?
Start-ups are considered. Owner credit, industry experience, equipment quality and a down payment do the work where there is no trading history.
Does it cover flooring and mirrors?
Yes. Fit-out costs can be financed with the equipment on one facility.
Can I finance used commercial equipment?
Yes, routinely, and it often represents considerably better value than new.
What about an apartment amenity room?
Property managers finance those through equipment leases or the club and HOA program.
Keep reading
Related
Offer financing at your counter
No mandatory merchant fees on standard programs, no sales minimums, and one application link covering every customer who walks in.