Gym Equipment Finance
Spread the cost of commercial gym equipment from £5,000 to £300,000+ with flexible finance options. HP, lease, or refinance — compare rates from 40+ lenders.
⚡60-second enquiry
🔒No credit check
📊200+ lenders
🇬🇧UK-based advisors
Typical cost range
£5,000 – £300,000
Average: £60,000
Finance available
HP · Lease · Refinance
From 5.0% APR
Approval speed
24–48 hours
Same-day for < £75k
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Finance Options for Gym Equipments
Hire Purchase (HP)
RateFrom 5.5% APR
Term12–60 months
Deposit10–20%
OwnershipYours at the end
Best for: Gym owners wanting to own equipment outright
Finance Lease
RateFrom 5.0% APR
Term12–60 months
DepositNone required
OwnershipReturn or buy (balloon payment)
Best for: Tax-efficient — claim 100% of payments against profit
Operating Lease
RateFrom 5.8% APR
Term24–48 months
DepositNone required
OwnershipReturn at end
Best for: Refresh equipment regularly to retain members. Off balance sheet.
Popular Gym Equipment Models & Costs
Life Fitness Integrity Series (x10)£40,000 – £70,000Cardio Package
Technogym Selection Pro (x8)£30,000 – £55,000Strength Package
Precor Discovery Line (x6)£25,000 – £45,000Plate-Loaded
Assault AirRunner (x5)£12,000 – £20,000Functional Package
Tax Benefits of Gym Equipment Finance
Gym equipment qualifies for Annual Investment Allowance (AIA), letting you deduct the full cost from taxable profits in year one — up to £1,000,000. HP allows capital allowances. Lease payments are fully deductible from profits.
UK Gym Equipment Market
The UK fitness industry is worth £5.1bn with over 7,200 gyms and 10.5 million members. The average gym spends £80,000–£150,000 on equipment for a new opening. Equipment refresh cycles average 5–7 years for commercial gyms.
Frequently Asked Questions
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