Capital for your next location or expansion. — Gym Finance
For gym owners and fitness entrepreneurs seeking SBA loans, equipment financing, or working capital to scale operations or refinance existing debt.
Soft inquiry. No credit impact. No fees.
4.9 Excellent · 3,200+ reviews via Big Think Capital- SBA 7(a) loan
- Equipment financing
- Tenant improvement
- Working capital
- Gym startup costs
- Personal guarantee
- Debt service coverage
- Lender match
Financing and business loans for gym owners and fitness facility operators
SBA term loans, equipment financing, lines of credit, and refinancing—all sized for the fitness business.
- STARTUP New gym financing SBA and conventional loans to cover real estate, equipment, and build-out.
- EQUIPMENT Gym equipment financing Treadmills, strength machines, flooring, mirrors. Finance what you own or lease.
- EXPANSION Multi-location expansion Working capital and term loans for new locations, renovation, and staffing.
- REFINANCE Refinancing existing debt Lower your rate or extend terms on current equipment loans or business mortgages.
- $25K–$1M+ Typical loan range
- 48–72 hrs Match to approval
- 1 soft pull No credit impact
What business owners say
4.9-
This company was lightning fast and the experience was amazing. Thank you, Dan — you're a real pro!
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Good service Joseph Krajewski is the best agent ever. He provided excellent service. I strongly recommend working with him if you have the opportunity.
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They gave me a chance when nobody else would. I'm very satisfied.
You apply, we match, lender funds.
No application fees. A soft inquiry keeps your credit clean. Most matches happen within 48 hours.
Fitness-first partners
- Lenders experienced in gym and fitness facility lending.
- They price for your revenue model, not penalize it.
No borrower cost
- You pay nothing to apply or be matched.
- Lenders cover any placement fees.
Fast, clean process
- Soft inquiry does not affect your credit score.
- Most matches within 48 hours of submission.
Gyms don't fit traditional lending boxes.
Banks see high rent, seasonal cash flow, and equipment-heavy balance sheets. Our lender partners understand the fitness business and price for it.
New gym, no track record
Banks want 2–3 years of P&Ls. First-time owners often hit walls.
Seasonal or volatile cash flow
Gyms see dips in January post-holiday and summer peaks. Traditional lenders see red flags.
Asset-heavy, low margins
Equipment depreciates fast. Gyms run thin margins. Banks worry about collateral liquidation.
Real fitness entrepreneurs, real funding.
Below are composite examples of gym owners and their financing needs. Names and details are changed.
Owner opening second location
Tenant improvement, equipment, and working capital for new 10,000 sq. ft. location in Austin.
Boutique studio renovating
New strength equipment, flooring, and mirrors for 3,500 sq. ft. Pilates and yoga studio.
Franchise operator refinancing
Roll up two equipment loans and building mortgage into one lower-rate senior term loan.
Personal training studio owner
Hire two trainers, buy mirrors and sound system, build cash reserve for off-season.
Gym owner guides and resources.
Read about gym startup costs, equipment leasing vs. buying, SBA loan requirements, and how to build business credit as a fitness operator.