Cash flow challenges every gym or fitness studio faces
Expensive equipment
Commercial cardio machines, racks and specialty equipment are costly to buy and replace.
Membership seasonality
Sign-ups spike in January and slow down in summer.
Facility costs
Large spaces mean high rent, utilities and maintenance.
Common uses of gym or fitness studio funding
- New fitness equipment
- Renovations and new studio space
- January membership campaigns
- Hiring trainers and instructors
- Booking and membership software
- Opening another location
Why merchant cash advances fit Gyms & Fitness
Recurring membership payments create predictable monthly deposits, which funders value when reviewing applications.
Example: A boutique fitness studio depositing $50,000 a month wants $30,000 in November to upgrade equipment and fund a January membership campaign. (Illustrative example only; actual offers depend on underwriting.)
Requirements for gym or fitness studio funding
- 12+ months in business
- About $10K+ in monthly deposits
- Last 4 months of business bank statements
- All credit scores considered
Learn more about how a merchant cash advance works or check the full requirements.
How to apply
- Complete our online application (about 5 minutes).
- Upload your last 4 months of business bank statements.
- Our funding partner reviews your application and contacts you with options — funding can happen within 24 hours of approval.
Gyms & Fitness funding FAQs
Do recurring memberships help my application?
Yes. Predictable recurring revenue shows funders consistent cash flow.
Can a franchise location qualify?
Yes. Franchise locations with their own business bank account and revenue history can apply.