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Gym & fitness funding

The treadmill broke. The lease renewal is due. January is 3 months away.

$10K to $200K. In your account within 36 hours. Direct funded. No credit pull.

See What You Qualify For
36HR Avg time to fund
$10K–$200K For gyms & fitness studios
No credit pull To apply
Direct Funder
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The real problems

Members cancel in summer. Equipment breaks year-round. Your lease doesn't flex.

Fitness is a cash-flow rollercoaster. January is gold. July is a ghost town. Your rent, equipment leases, and insurance don't adjust for seasonal membership swings.

Equipment costs $5K-$50K per machine

A commercial treadmill is $8K. A full squat rack setup is $5K. A Concept2 rower is $1,200. Your members expect working equipment. One broken machine and they're posting about it on Google reviews.

$5K-$50K per piece

Lease buildouts run $50K-$200K

Rubber flooring, mirrors, ventilation, plumbing for showers, electrical for the sound system. A new location buildout is $50K minimum. Expanding your current space? Same story. The landlord doesn't fund your vision.

$50K-$200K buildout

January surge, summer drop

You sell 200 memberships in January. By June, 80 have cancelled. Revenue swings 40-60% seasonally but your $12K/month rent stays the same. You need capital in October to market for the January rush.

40-60% seasonal swing

Marketing for member acquisition

Facebook ads, Google Ads, local sponsorships, referral bonuses. Acquiring a new gym member costs $50-$150 in marketing. You need 100 new members by January. That's $5K-$15K in ad spend before a single person signs up.

$50-$150 per new member
How it works

Apply today. Funded tomorrow.

We look at your gym's revenue, not your personal credit score. Most fitness businesses get a decision the same day.

01 Apply

60-second application

Business name, monthly revenue, time in business. No 40-page SBA packet. No collateral list.

02 Review

We review 3 bank statements

No credit pull. No collateral. We look at your deposits and cash flow. That's what matters.

03 Fund

Cash hits your account

24-48 hours after approval. Wire or ACH, your pick. Buy the equipment, start the buildout, launch the ads.

Day 0 · Apply Day 0 · Review Day 1–2 · Funded
Last month

A CrossFit gym. 36 hours.

"

They needed new rigs and bumper plates before their January push. $35K in equipment, and the manufacturer required full payment upfront. We funded $35K in 36 hours. They opened January 2nd with a packed house.

$35,000 Funded
36 HRS Apply to cash in account
0 Collateral required
✓ No credit pull ✓ No personal guarantee required ✓ Direct funder
Common questions

Fitness studio funding — answered.

Do you fund fitness studios and gyms with bad credit?+

Yes. We've funded fitness studios and gyms with credit scores in the 500s — and some sub-500. We underwrite on cash flow, not FICO. Three months of bank statements with consistent deposits is what matters.

How fast can a fitness studio get funded?+

Typical time from signed agreement to capital wired is 24 to 48 hours. Decisions on most applications come back the same business day.

How much can fitness studios and gyms qualify for?+

$20K-$150K is the typical advance range for fitness studios and gyms, though we fund anywhere from $5,000 to $2,000,000 depending on monthly revenue. A reliable rule of thumb: about 50%-150% of monthly deposits.

What do I need to apply?+

Three things: a 60-second application (business name, monthly revenue, time in business), the last 3 months of business bank statements, and a voided check or bank linkage. No tax returns, no collateral, no credit pull to qualify.

Is this a loan?+

No. A merchant cash advance is the purchase of a portion of your future receivables. There is no APR. Pricing is expressed as a factor rate (typically 1.15 to 1.45) applied to the advance amount — that's the total payback. Repayment is a small daily, weekly, or bi-weekly ACH from your business account.

Find out your number in 60 seconds.

No credit pull. No paperwork. Just a quick form and we'll tell you what your gym qualifies for today.

Apply Now
✓ No credit pull ✓ No obligation ✓ Decision same day