Lendus.

Gym & Fitness Business Loans

From boutique studios to full-scale gyms, get the finance you need to open, equip, or grow your fitness business. Lendus compares 200+ lenders for the best gym finance deals.

200+ UK lenders
2-minute application
No credit check to apply
FCA-regulated brokers

Typical Range

£10k – £750k

Average Loan

£85k

for gym & fitness

Decision Speed

24–48 hrs

for unsecured loans

Eligibility requirements

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Loan types available

Unsecured Business Loan

Rate
7.5% – 24.9% APR
Term
1 – 5 years
Security
No security required
Best for
Equipment purchases, marketing campaigns, studio fit-outs, and working capital

Secured Business Loan

Rate
4.9% – 13.9% APR
Term
1 – 15 years
Security
Property or significant business assets
Best for
Purchasing or leasing premises, large-scale fit-outs, or multi-site expansion

Asset Finance

Rate
5.5% – 13.5% APR
Term
2 – 5 years
Security
The gym equipment being financed
Best for
Cardio machines, resistance equipment, functional rigs, and specialist studio equipment

Representative example

Borrow £85,000 over 36 months at 9.9% APR (fixed). Monthly repayment: ~£2,739. Rates depend on your circumstances and the type of loan.

Market context

The UK fitness industry is worth over £5.2 billion and serves approximately 10.7 million members across 7,400 gyms and fitness facilities. The boutique fitness sector has grown by over 30% since 2019.

Common challenges

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Bad credit?

Several of our 200+ lenders work with gym & fitness businesses that have imperfect credit. You may need a personal guarantee or higher rate, but options exist. Our eligibility check uses a soft search — no impact on your credit score.

Frequently asked questions

Can I get a loan to open a new gym from scratch?
Yes, though start-up gym finance typically requires a strong business plan, evidence of industry experience, and often a personal guarantee or some form of deposit. Lenders want to see your projected membership numbers, pricing model, and a signed lease or heads of terms for your premises. Start-up loans from £10,000 to £250,000 are available. Lendus can match you with lenders who fund new fitness ventures.
What is the best way to finance gym equipment?
Asset finance or equipment leasing is the most popular option for gym equipment. It spreads the cost over 2-5 years, and the equipment itself acts as security so you don't need additional collateral. This preserves your cash flow for rent, marketing, and wages. A full gym equipment package (cardio, resistance, free weights, flooring) typically costs £40,000-£150,000 depending on the size and quality of equipment.
Do lenders consider membership direct debits as income?
Yes, recurring membership income paid via direct debit is viewed very favourably by lenders because it is predictable and contractual. This steady revenue stream makes gym businesses attractive borrowers compared to businesses with irregular income. Lenders will typically look at your last 3-6 months of direct debit collections through your membership management system (such as GoCardless, Harlands, or Ashbourne).
Can I finance a boutique fitness studio or yoga studio?
Absolutely. Boutique studios, yoga, Pilates, and CrossFit boxes are all eligible for business finance. The loan amounts tend to be smaller (£15,000-£100,000) because the premises and equipment costs are lower than a full-size gym. Lenders are increasingly familiar with the boutique model and its higher per-member revenue. A clear niche, strong local demand, and pre-sales or waitlist evidence will strengthen your application.

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