What is the best business funding for gyms & fitness studios?

The most common options for gyms & fitness studios are equipment financing, business term loans, merchant cash advance, sba loans. The best fit depends on your time in business, revenue, credit and what the funds are for.

Can gyms & fitness studios get funding with bad credit?

Often yes. Revenue-based products such as merchant cash advances and collateral-backed products like equipment financing weigh revenue and assets more than credit.

How much funding can gyms & fitness studios get?

Revenue-based providers commonly approve about 50%–150% of average monthly revenue. Term and SBA loans may go higher for established businesses.

What documents do gyms & fitness studios need?

Usually 3–4 months of business bank statements, ID and a voided check; larger loans add tax returns and financial statements.

Industry funding

Business Funding for Gyms & Fitness Studios

The most common business funding options for gyms & fitness studios are equipment financing, business term loans, merchant cash advance and sba loans. Fitness equipment financing is widely available with the equipment as collateral.

Last updated October 23, 2026

Typical funding needs for gyms & fitness studios

Equipment
Build-outs
Marketing

Funding options compared

Comparison of business funding options (industry estimates)
Option	Amount	Term	Typical cost	Speed	Credit
Equipment Financing	$5k – $5M	2 – 7 years	6% – 30% APR	1 – 10 days	600+
Business Term Loans	$25k – $2M	1 – 10 years	8% – 45% APR	1 day – 4 weeks	650 – 680+
Merchant Cash Advance	$5k – $500k+	3 – 18 months	1.10 – 1.50 factor	24 – 72 hours	500+ often accepted
SBA Loans	$50k – $5M	10 – 25 years	Prime + spread (capped)	30 – 90 days	680+

Typical requirements

6–24 months in business depending on product
$10k+ in monthly revenue for revenue-based options
3–4 months of business bank statements
580–680+ credit depending on product

Frequently asked questions

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Written by

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Reviewed by

Funding Review Desk

Reviewed for accuracy against current market practices

Rates and ranges on this page are typical market estimates for educational purposes, not offers. How we make money.