How to finance a gym or fitness studio?
To finance a gym or fitness studio, split the project into its parts: equipment financing for machines and racks (the single biggest cost), working capital for build-out and launch marketing, and SBA or commercial real estate loans if you're buying the space. Recurring membership revenue is your underwriting superpower: lenders price predictability. The flip side: an under-equipped floor or stalled renovation bleeds members to the gym that finished theirs. Quordx Capital matches gym and studio owners to fitting lenders across its 50+ network, free, via one application.
Part of our industry guide: Industry Financing.
Last updated · Reviewed by Cody Dreis
50+ Lenders|Funding in as little as 24 hours
Financing a gym, piece by piece
- The equipment floor: treadmills, racks, cable machines, bikes, and flooring qualify for equipment financing from $5K to $5M+, and used commercial equipment qualifies too, which matters since quality used gear can cut the budget dramatically. The equipment serves as collateral; terms run 24-84 months with rates commonly ~7%-20%. - Build-out and launch: mirrors, lockers, sound, signage, pre-sale marketing, a working capital loan ($5K-$500K) covers what equipment financing can't. - Operating rhythm: membership revenue is steady but seasonal (January surge, summer dip); a line of credit ($10K-$250K+) absorbs the swings, charging interest only on what you draw. - Buying your building: SBA 504 loans (up to $5.5M, fixed effective rates typically 5-7%) and commercial real estate financing ($100K-$10M+) fit owner-occupied facilities.
Operating gyms with 3-6+ months of membership deposits and ~$10K+ monthly revenue clear typical alternative-lender minimums. True pre-revenue startups should be honest about limits: equipment financing with a down payment and business credit cards are the realistic starting toolkit, with bigger products unlocking as deposits accumulate.
Gym funding options Quordx Capital brokers
Equipment financing: Best for the machine floor, new or used, without draining launch capital.
Working capital loan: Best for build-outs, renovations, and member-acquisition pushes.
Business line of credit: Best for riding the January-to-summer membership wave.
SBA / commercial real estate financing: Best for buying or developing your facility at the lowest long-term cost.
Compare your options side by side
Enter your revenue and see how each type of funding sizes up.
How Quordx Capital Works
One application, roughly 5 minutes, fully online. Upload bank statements, your latest tax return, ID, and entity documents; Quordx Capital's matching process then pinpoints 3-7 lenders from the 50+ network most likely to approve your specific project, ranked by probability. Expect decisions in 24-48 hours and funding within 3-7 business days for most non-SBA products.
What to Expect
Expect membership recurring revenue to strengthen every file it appears in, and expect frank guidance if your launch budget is better served by used equipment and a smaller loan than by maximum borrowing. All terms and fees are disclosed before you sign. The matching is free, with no obligation and no cost for asking.
Apply for Funding
No obligation · Initial inquiry doesn't impact credit · Takes about 10 minutes
Written by
Cody Dreis
Founder, Quordx Capital
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Quordx Capital is a business funding broker, not a lender. Lenders make every credit decision and set the rate, fees and terms, and not every business qualifies. Quordx may be paid by a lender when a deal funds. Full disclosures