According to Nautix Capital's lender network data, fitness and wellness businesses can access $10K-$500K in funding within 24-72 hours. SBA loans and equipment financing are the top products, with studios generating $10K+/mo in revenue likely qualifying for facility buildout capital and commercial fitness equipment financing.

Find Your Best Fitness & Wellness Funding Match

SmartMatch evaluates 75+ lender programs to find the funding options most likely to approve your gym, fitness studio, yoga studio, or wellness center.

Qualification Snapshot

  • Monthly revenue: $8K/mo
  • Time in business: 1 year
  • Credit score: 550+
  • No credit pull required
  • Most fitness & wellness businesses qualify
No credit pull2-minute assessment100% free

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Common Funding Uses for Fitness & Wellness Businesses

Here is how fitness & wellness business owners typically put funding to work.

Purchasing commercial fitness equipment including cardio machines, free weights, and functional training rigs

Facility buildout and renovation for new studio or gym locations

Covering rent and operating costs during seasonal membership dips

Technology investments for member management software and booking platforms

Marketing campaigns to drive membership growth and reduce churn

Top Funding Options for Fitness & Wellness

Based on what works best for fitness & wellness businesses in our lender network.

SBA Loans

Government-backed financing with lower rates and longer terms. 7(a), 504, and more.

Amount$50K - $5.0M
Speed30-60 days
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Equipment Financing

Finance new or used equipment with predictable payments that fit your cash flow.

Amount$10K - $500K
Speed3-5 days approval, 5-10 days to funding
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Working Capital Loans

Fast funding to cover payroll, inventory, or cash-flow gaps when you need to move quickly.

Amount$50K - $500K
Speed48-72 hours
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Revenue-Based Funding

Flexible capital tied to your cash flow, with fast approvals and minimal documentation.

Amount$25K - $500K
Speed24-48 hours
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Fitness & Wellness Funding FAQ

What is the best way to finance gym equipment?
Equipment financing offers 4-10% APR for treadmills, ellipticals, weight racks, functional training rigs, and specialty studio equipment. The equipment serves as collateral, lowering rates. Terms are 3-10 years matched to the equipment's useful life.
Can I get funding to open a new gym or studio location?
Yes. SBA loans offer up to $5M with 5-20 year terms for facility acquisition and buildout. Working capital loans provide $50K-$500K within 48-72 hours for faster-moving opportunities. Equipment financing covers the gym equipment separately at lower rates.
How do fitness businesses handle seasonal membership drops?
Revenue-based funding automatically adjusts payments to your daily deposits, so summer dips in gym membership revenue mean lower payments. Working capital loans provide a fixed capital buffer. Both help you maintain operations through predictable seasonal cycles.
Do boutique fitness studios qualify differently than large gyms?
No. Yoga studios, Pilates studios, CrossFit boxes, and boutique cycling studios qualify through the same programs as full-size gyms. Lenders evaluate monthly revenue, time in business, and credit profile. Studios doing $10K+/mo are strong candidates.
What documentation do fitness businesses need for funding?
Most programs require 3-6 months of bank statements and basic business information. Equipment financing needs equipment quotes from vendors. SBA loans require tax returns and financial statements. Revenue-based funding has the lightest documentation burden.

Still Not Sure? Talk to Us.

Not every situation fits a neat box. If you have questions about funding your fitness & wellness business, start a free SmartMatch assessment and our team will walk you through your options.

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