Equipment financing
Buy vs. lease.
Industry guide
Funding for gyms, studios, and wellness businesses
Recurring membership revenue is a lender’s favorite kind of cash flow. Equipment that must be refreshed every few years and build-outs that must be finished before the first member walks in are the usual reasons to borrow.
What fits what
| Need | Usually fits | Usually doesn’t |
|---|---|---|
| Cardio and strength equipment refresh | Equipment financing or leasing (fast-aging tech suits leasing) | Advance |
| Studio build-out | Term loan, SBA (education) | Stacked advances |
| January marketing push | Small line of credit or card paid off by March | Advance |
| Summer membership dip | Line opened in spring | Emergency advance in July |
Membership revenue and lenders
Recurring billing is visible in your statements and makes revenue-based products easy to qualify for. The risk is the opposite of a restaurant’s: memberships churn slowly, so a fixed daily debit feels fine until a competitor opens across the street. Keep advances short and specific, and prefer a line for anything recurring.
What Fast Mula is and isn't. Fast Mula helps you compare business-funding structures and submit one inquiry. Nothing on this site is an offer, approval, guaranteed rate, or guaranteed timeline. Any funding depends on a provider's own review, and terms vary by state.
Common questions
Can I lease gym equipment instead of buying?
Yes. For equipment that becomes dated quickly, compare the total cost of a lease with a refresh option against owning over the same period.
Related
Line of credit
For seasonal swings.
Compare all options
Side-by-side table.
Dental practices
Chairs, imaging, reimbursement lag.
Event venues
Deposits held, seasonality, renovations.
Gym or studio owner? See what fits
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