Finance lease · Gyms and fitness
Finance lease 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 finance lease works for gyms and fitness
Cardio equipment is the part of a gym floor members judge you on, and it wears out or dates within about five years. A finance lease keeps payments fully deductible and leaves the end-of-term decision open: pay the residual and keep it, or hand it back and refresh the range. For an operator who intends to refresh cardio on a cycle while keeping strength gear for a decade, leasing the cardio and owning the weights is often the sensible split.
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
Finance lease for gyms and fitness: the numbers
| Typical amounts | $10,000 – $1,000,000 |
|---|---|
| Term | 12–60 months |
| Indicative rates | 7.2% – 14.9% p.a. |
| Repayments | Monthly |
| Speed | 1–3 business days |
| 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 a finance lease?
A finance lease is a rental agreement for business equipment where the financier retains ownership for the term. The lessee makes fixed payments and is responsible for the residual value at the end.