Funding for Gyms & Fitness Studios
Recurring membership billing gives an MCA a predictable base to remit against, and equipment financing covers racks, cardio decks, and machines with the gear as collateral.
A gym's product is the room itself, and the room is expensive to keep impressive. Cardio machines log miles like rental cars, a worn bench tells members more than your marketing does, and the January wave decides much of the year — but it rewards the gyms that renovated and staffed up in the fall, on their own dime. Banks see thin margins and long leases; we see recurring billing, a loyal base, and revenue you can almost set a watch to. Broadway funds on that: one short form, three months of bank statements, soft credit pull, same-day decision, funding in as little as 24 hours.
The challenge
Membership revenue is steady but thin, equipment wears out in front of paying customers, and the January surge demands capacity you have to build and pay for in advance.
How Broadway Advance helps
Recurring membership billing gives an MCA a predictable base to remit against, and equipment financing covers racks, cardio decks, and machines with the gear as collateral.
What owners use it for
- Refresh cardio decks, racks, and strength equipment
- Renovate or expand the floor before the January surge
- Replace HVAC and locker room fixtures
- Hire trainers and front-desk staff
- Fund marketing pushes ahead of peak sign-up season
- Upgrade access control, billing, and class software
See your real number in about five minutes.
Apply nowFunding options that fit gyms & fitness studios
Equipment Financing
Buy the equipment you need; the equipment itself secures the deal.
Up to 100% of equipment cost →Merchant Cash Advance
Immediate cash today in exchange for a small slice of future sales.
Up to $2,000,000 →Term Loan
The lowest rates and longest terms, with predictable monthly payments.
Up to $5,000,000 →Gyms & Fitness Studios funding questions
Does recurring membership billing help me qualify?
It helps a lot. Underwriters like revenue they can predict, and monthly membership drafts are about as predictable as small-business income gets. Three months of bank statements showing steady billing deposits makes for a clean approval and supports better sizing than walk-in revenue alone would. Class packs and personal-training income count too — it all shows up in the statements, which is the whole application alongside one short form and a soft credit pull.
Should I finance gym equipment or lease it?
Financing usually wins if you intend to keep the gear. With equipment financing you own the equipment at the end, the machines themselves are the collateral, and Broadway can cover up to 100% of the cost. Leasing can make sense for cardio you want to swap every few years — turnover is the lease's one real advantage — but you pay for that flexibility over time and own nothing. Price both for your refresh cycle; we will give you the financing number same-day.
I run a small boutique studio — is an advance even available at my size?
Yes. Advances are sized to your deposits, so a boutique studio qualifies for an amount its own revenue supports — there is no corporate minimum to clear. For a studio, the right-sized use is usually specific: a second reformer row, a buildout, a marketing push before January. The honest caveat: small advances carry the same MCA cost structure, so if your credit is strong and the need can wait, a cheaper term loan may serve better. We will tell you which.