Can I finance a full gym floor package?

Full packages are common in this category. List every item and category in the equipment description so the requested amount reflects the complete build-out.

Is used fitness equipment eligible?

Used fitness equipment is commonly financed. Include the age, make and condition, since heavily used cardio equipment often draws additional documentation requests.

Can a new gym without operating history submit a request?

Newer businesses can submit a pre-qualification request. Documentation and underwriting requirements are typically stronger for a first location, and eligibility is determined by the financing provider.

Do you cover recreation facilities beyond gyms?

Recreation businesses such as courts, studios, climbing facilities and family entertainment centers can describe their equipment in a request. Explain the facility type and how the equipment produces revenue.

Fitness & Recreation

Fitness & Recreation Equipment Financing

Gyms and recreation facilities are membership businesses, so equipment is what members are actually paying for. Requests here usually involve a package rather than a single machine, and they are easiest to review when they describe the facility, its square footage and whether this is a new opening, an expansion or a replacement cycle.

Fitness & Recreation equipment in operation at a United States business site

Equipment we see most in fitness

Cardio machines, strength equipment, functional training rigs, turf, recovery equipment and recreation facility equipment.

Treadmills, ellipticals, bikes and rowers
Squat racks, power racks and platforms
Selectorized strength machines and cable systems
Free weights, dumbbells, plates and benches
Functional rigs, turf, sleds and conditioning equipment
Recovery equipment, saunas, flooring and studio build-out equipment

Common financing use cases

Opening a new gym or studio

A full floor package of cardio, strength and flooring is usually acquired at once. Describe the facility size and the concept.

Replacing an aging cardio fleet

Cardio equipment wears out on a predictable cycle. Note how many units you are replacing and the age of the current fleet.

Adding a service line or expanding the floor

Recovery rooms, turf areas, group studios and pickleball or recreation additions are common expansion requests.

Details that usually come up in review

Membership businesses are often seasonal; January and spring demand patterns are worth describing.
Floor packages combine many items into one request, so list every category you are buying.
Flooring, installation, assembly and delivery are frequently part of the true project cost.
Leased facilities may involve landlord consent or fixture-attachment considerations.
Franchise concepts often have an approved equipment list; mention brand requirements.

Submitting a pre-qualification request is not an application decision and is not an approval, offer or commitment to lend. All financing is subject to review and approval by the applicable financing provider.

Fitness equipment financing questions

Ready to explore fitness equipment financing?

Start a pre-qualification request. It takes a few minutes, no documents are needed to begin, and you will get a reference number for your records.

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Phone: 888-629-3416 · Submitting a pre-qualification request is not an application decision and is not an approval, offer or commitment to lend. All financing is subject to review and approval by the applicable financing provider.

Last updated September 5, 2026 · Reviewed and published by Ai Loan Brokerage LLC, operating as EquipmentLoan.com (Loan Broker).