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.
Reviewed by UK businesses
Sorted in 36 hours
"Bank wanted three weeks just to look at the file. AssetFi had the agreement signed and the digger paid for in 36 hours. Couldn't fault them."
Genuinely no fees
"I'd been stung by brokers before so I asked twice — really, no fees? Confirmed in writing. Got a sharper rate than my bank too. They've now done four vans for me."
Understood our cash flow
"We needed a CBCT scanner but our last accounts had a bad quarter. AssetFi went to specialist healthcare lenders, came back with three options and explained each properly. Brilliant."
Our panel
Lenders we use for fitness & recreation
Independent of any single lender. We place every deal with the funder offering the best fit on rate, structure and speed.
Plus 40+ specialist funders covering challenger banks, asset-specific lenders and tier-2 underwriters. Lender names shown are trademarks of their respective owners.
Questions 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?
Soft search. 24-hour decisions. No broker fees, ever.
Other sectors