Finance for the floor and the studio.
Cardio, strength, group exercise, fit-out and member-management software — funded for boutique studios, big-box gyms and multi-site operators.
£17m+
Funded into UK gyms
60mo
Typical kit-out term
0–10%
Typical deposit
12 days
Average drawdown
If it earns its keep, we've probably funded one.
Cardio
Treadmills, bikes, rowers, ellipticals, ski-ergs. Technogym, Life Fitness, Matrix, Precor, Concept2.
Strength & free weights
Plate-loaded, selectorised, racks, plates, dumbbells, benches. Hammer Strength, Eleiko, Watson, Origin.
Functional & group
Sleds, sandbags, kettlebells, suspension trainers, plyo boxes, studio mirrors, sound systems.
Boutique kit
Reformer Pilates, indoor cycling rigs, boxing equipment, F45-style functional rigs.
Fit-out & flooring
Rubber flooring, lighting, mirrors, signage, member changing facilities. Bundled with the kit.
EPOS & member software
Glofox, Mindbody, Xplor Gym, ClubRight — funded with hardware and rollout.
How fitness & recreation deals usually structure.
Typical ticket
£35k – £180k per studio
Range we fund
£10k kit refresh → £500k full gym launch
Term
36 – 60 months
Deposit
0 – 15%
Structure
HP for owned-asset write-off; lease for evergreening cardio with high obsolescence; refinance ahead of second-site openings.
The usual pain.
Member churn worries credit teams
Mainstream lenders see fitness membership models as risky. Sector-specialists model retention, joining-fees and ARPU correctly.
Boutique fit-out is soft-asset heavy
Mirrors, lighting, sound, flooring — easily 40% of a boutique studio. Generic lenders cap soft assets. Specialists don't.
Multi-site rollouts need flex
Each new studio needing fresh credit slows expansion. Programmatic facilities solve it.
How we structure it.
Fitness-specialist underwriting
Lenders who understand boutique studios, big-box, hotel gyms and council leisure contracts.
Multi-site programmatic finance
Rolling facilities for groups opening 2–5 sites a year, with pre-approved per-studio budgets.
Cardio refresh structures
Lease products with defined refresh and return rights so cardio never gets old.
Helpful next steps for fitness & recreation businesses.
Explore the asset, agreement type, planning tools and guide most relevant to the equipment you are considering. The case study above shows a real example from this sector.
Equipment finance
Explore funding options for gym, studio and leisure equipment.
ExploreFinance lease
Read about a potential structure for using fitness equipment over an agreed term.
ExploreMonthly-cost calculator
Model indicative payment scenarios for a gym or studio equipment package.
ExploreGym launch case study
See how a gym business approached a new equipment launch.
ExploreUsed equipment guide
Read key considerations before financing second-hand leisure equipment.
ExploreQuestions fitness & recreation customers ask.
Can a brand-new boutique studio get finance?
Yes — sector-specialists will lend on the strength of director experience, signed lease, fit-out plan and pre-sale numbers. Higher deposit (15–25%) at start-up stage.
What's the right structure for cardio?
Finance lease with refresh built in — cardio depreciates fast and members notice tired kit. Strength can be HP because it lasts 10+ years.
Can finance cover flooring, mirrors and sound?
Yes — fit-out is bundled with the kit on a single facility. Sector-specialists fund the lot, no soft-asset cap.
Are programmatic facilities available for gym chains?
Yes — for groups opening 2+ sites a year. Pre-approved per-site budgets, 14-day drawdown per location.
Ready to fund the next bit of fitness & recreation kit?
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Sector hub
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