Business Loans for Gyms & Fitness Centres
Get £3k to £300k in 24 hours*
- Pay back through future card sales
- Unsecured – there’s no worry
- Same day business funding
Quick Decision with No Obligation
Get £3k to £300k in 24 hours*
Quick Decision with No Obligation
Looking to grow your gym or fitness centre? Need funding for new equipment or a refurbishment? We offer an alternative business loan tailored for gyms and fitness businesses, designed to be fast, flexible, and unsecured. Access the finance you need to upgrade your facilities, expand your services, or invest in equipment, helping your business stay in top form and perform at its best.
Unlock funding from £3,000 up to £300,000 against your customer card sales.
Automatically repay a small percentage when customers purchase by card – There are no fixed payments.
The advance is unsecured, so your business assets are safe.
A quick decision and process mean you can access your money in just 24 hours* after approval.
The cost of the finance is made clear to you upfront. There are no hidden costs, confusing APR’s or other nasty charges.
Apply at any time - We can process your application 24 hours a day.
Quick Decision with No Obligation
The UK health and fitness industry is booming, with over 7,000 gyms serving 10.7 million members, and competition is only getting tougher. To stay ahead, gym and fitness centre owners need to continuously invest in top-quality equipment, modern facilities, and new classes or services.
But running a gym today isn’t easy. Rising energy costs, staffing challenges, and the ongoing need to attract and retain members put pressure on cashflow. Many fitness businesses struggle to fund upgrades, expand their offerings, or respond to unexpected expense, without taking on cumbersome loans that weigh heavily on their business.
That’s where a merchant cash advance comes in. Unlike a conventional business loan for a gym, an MCA is unsecured, flexible, and designed to work with your card sales, not against them. Repayments are a small percentage of your daily card turnover, so you only pay when your business earns.
The process is fast and straightforward: most decisions are made within 24 hours of submitting your application, making it far quicker and simpler than traditional loans.
Whether you want to invest in new gym equipment such as weights, treadmills, rowing machines, exercise bikes, resistance machines, and functional training gear, launch Yoga, CrossFit, Spin, Pilates, or Kickboxing classes, or simply expand revenue channels, a merchant cash advance can give your business the boost it needs to grow.
Ready to get started? Fill out our simple application today, and find out how our funding can help lift your business to the next level.
Apply NowQuick Decision with No Obligation
A gym business loan is a type of finance designed specifically for businesses in the health and fitness industry. These loans can be used for a wide range of purposes, such as covering working capital, funding refurbishments, purchasing new gym equipment, or investing in additional services and facilities to grow your business.
We offer a gym business loan in the form of a merchant cash advance, a flexible funding solution designed specifically for gyms and fitness businesses.
Unlike a traditional business loan with fixed monthly repayments, a merchant cash advance is repaid as a small percentage of your card sales, so it moves in line with your revenue. Any cash sales your gym generates are not included, so you keep all cash transactions entirely for your business. The repayment percentage is agreed upfront, making it simple to manage and easy on your cash flow.
If your gym has a quiet month, repayments are lower. If business is booming, you can pay it off faster. This flexible approach gives you the funding you need while keeping your cash flow under control.
The amount your gym or fitness centre can borrow is typically based on your monthly card sales turnover. For example, if your gym averages around £10,000 per month in card sales, you could potentially borrow up to £10,000, depending on terms and affordability. We offer advances ranging from £3,000 up to £300,000, giving you the flexibility to fund anything from small equipment purchases to major renovations.
Yes, a business loan can be used to purchase new or used gym equipment. This type of gym equipment finance can cover everything from dumbbells and rowing machines to treadmills, exercise bikes, and smith machines, helping you upgrade your facilities and offer a better experience to your members.
A gym business loan can be used for any purpose that helps your business grow, from marketing campaigns to purchasing new equipment. Popular uses include:
Renovation and Expansion
Give your gym or leisure centre a fresh look and improved facilities. Renovations can help attract new members and enhance the experience for your current customers.
Fitness Equipment
Upgrade to the latest high-tech machines, weights, or accessories. Investing in new or additional gym equipment benefits both your business and your members.
Increase your services
Expand your offerings to generate more revenue and attract new customers. From Yoga and Pilates to Aerobics and CrossFit, adding new classes or fitness programs can help your gym stand out.
Yes, it’s possible to access gym business finance even with bad credit. Our merchant cash advance looks at your gym’s credit and debit card sales to determine affordability, so past credit issues have less impact than with other forms of commercial business finance.
A merchant cash advance isn’t suitable for startup gyms, as we require at least 3 months of trading. However, other business loans or startup funding options may be more suitable, and we may be able to help you explore these alternatives.
Getting a business loan for your gym is simple, especially when using a merchant cash advance. Start by filling out our online application, which is quick, free, and won’t impact your credit rating. Provide basic business details, such as your monthly card sales and business information, and you’ll usually receive a decision within hours. Once approved, the funds can be in your account quickly, giving you the cash you need to grow your gym.
Quick Decision with No Obligation
"We have helped many gym & fitness businesses across the UK receive funding to grow"
£20+ Million
Total Funded to Businesses
90%
Application Approval Rate
The process is fast, simple and straightforward. It's hassle-free, meaning there's no complicated paperwork to complete so you can focus on growing your business.
Apply online for a cash advance from £3,000 up to £300,000 for any business purpose.
The merchant cash advance can be with you in as little as 24 hours* after approval.
You simply pay back a small percentage of your future card sales as they happen. You only repay when you sell.
Quick Decision with No Obligation
