Spread the cost of a full gym fit-out from £5,000 to £300,000+ with flexible finance options. HP, lease, or refinance, compare rates from 40+ lenders.
Yes, commercial gym equipments are financed as a standard asset purchase, usually on hire purchase or a lease, with the machine itself acting as the security. UK prices typically run £5,000 to £300,000, and most deals are written over 12–60 months with a deposit of around 10–20%. Decisions typically take 24–48 hours. Used machines are financeable too, usually with a shorter term.
Typical Cost
£5k – £300k
Approval Speed
24–48 hours
Same-day for < £75k
Rates From
5.0% APR
Your estimate
Indicative only. Not a quote and not an offer of finance.
Pre-filled with a typical commercial gym equipment price. Indicative only, not a quote.
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Check EligibilityOn a purchase price of £65,000: a 10% deposit of £6,500, then 48 monthly payments of £1,371 at 5.9% APR representative (fixed). Total amount payable £72,308, including the deposit. The rate you are offered depends on your business and the asset.
Guide prices for sizing a finance agreement, not quotes. Manufacturers in this market mostly price on application, so where a current UK list price could not be confirmed the row describes a specification class rather than naming a model. Your supplier quote is what the agreement is written against.
| Machine or specification | Guide price | Type |
|---|---|---|
| Technogym Selection Line Strength Package | £30,000 – £60,000 | Strength Package |
| Life Fitness Integrity Series Cardio Package | £40,000 – £70,000 | Cardio Package |
| Matrix Commercial Full Gym Package | £45,000 – £90,000 | Full Gym Package |
| Eleiko Free Weights & Rig Setup | £20,000 – £45,000 | Strength & Rig |
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Check EligibilityCommercial gym equipment is moveable plant and generally qualifies for Annual Investment Allowance, letting the cost be deducted from taxable profits in the year of purchase. HP agreements let you claim capital allowances directly; lease payments are deducted as a running cost instead. This applies to the equipment itself; any flooring, mirrors or fixed studio partitioning are treated differently, as they become part of the building once installed.
A full gym equipment package is typically financed when opening a new site or fully re-equipping an existing gym floor, since specifying cardio, strength and free weights equipment together as one project usually gets better supplier pricing than buying piece by piece. Cardio machines with heavy daily use, particularly treadmills, tend to be replaced on a shorter cycle than strength equipment, since motors and belts wear faster than frames and plates. Buyers increasingly mix new premium-brand cardio with used or refurbished strength equipment to control the total cost of a fit-out, since strength frames and plates hold their condition well and a healthy secondhand market exists through specialist gym equipment resellers.
Several of our 200+ lenders specialise in businesses with imperfect credit histories. You may need a larger deposit or personal guarantee, but options exist. Checking your options here does not affect your credit score, because we do not run a credit search to match you. A lender will run their own checks only if you decide to apply.
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