Equipment loan · Gyms and fitness
Equipment loan for gyms and fitness
Gym and fitness finance is lending against recurring membership revenue, used to fund equipment ranges, fit-outs and expansion for gyms, studios and franchised fitness businesses.
How a equipment loan works for gyms and fitness
A full gym floor is normally financed as one package: treadmills, bikes and rowers, the selectorised range, plate-loaded stations, dumbbells and racks, and the rig. Financing against the equipment over three to five years lines the cost up with the membership revenue it generates rather than draining every dollar before you open. Commercial fitness equipment holds reasonable resale value, which keeps pricing sensible. Get the full supplier quote itemised — mixed orders across brands are easier to fund as one schedule.
The cash-flow pattern we plan around
Recurring direct-debit membership income with a strong January intake, a soft November–December stretch, and equipment costs incurred entirely up front.
What gyms and fitness typically fund
- Cardio, strength and functional equipment ranges
- Rubber flooring, rigs and mirrors
- Access control, security and member management systems
- Fit-out, change rooms and amenities
- Opening or fitting out a second site
Equipment loan for gyms and fitness: the numbers
| Typical amounts | $5,000 – $5,000,000 |
|---|---|
| Term | 12–84 months |
| Indicative rates | 6.9% – 16% p.a. |
| Repayments | Monthly |
| Speed | Same day to 48 hours for low-doc |
| Documents gyms and fitness usually need | ABN and lease for the premises · 6–12 months of bank statements showing direct-debit revenue · Equipment supplier quote or fit-out schedule |
Rates shown are indicative ranges observed across our lender panel for the period stated. They are not an offer or quote. Your rate depends on your business, the lender, the amount, the term and the security offered. The lender makes the final credit decision.
Key terms
Gym equipment finance
Gym equipment finance is secured lending for commercial fitness equipment — cardio, selectorised and plate-loaded machines, rigs and free weights — usually written over three to five years against the equipment itself.
Recurring membership revenue
Recurring membership revenue is the predictable monthly or fortnightly direct-debit income a fitness business collects from its member base, which lenders use to size and assess a facility.
What is equipment finance?
Equipment finance is any loan or lease used to acquire business equipment, with the equipment typically serving as security. The main structures in Australia are chattel mortgages, finance leases and rentals.
Low-doc equipment finance
Low-doc equipment finance approves smaller amounts (often up to $150,000–$250,000) without full financials, relying on ABN age, GST registration, credit history and sometimes a property-owner declaration.