What is Commercial Fitness Equipment Financing
Commercial Fitness Equipment Financing—Own or Upgrade Without the Upfront Hit
Lease or finance gym equipment with predictable monthly payments and keep cash flow strong. With the right structure, your members effectively cover the payment while you scale your facility.
What is Commercial Fitness Equipment Financing?
Fitness Equipment Financing lets gym owners pay over time instead of a lump sum upfront—preserving cash flow. Like a loan or lease, you make payments for the term and can own or return at the end depending on structure (EFA / $1 buyout vs FMV lease). In a functioning gym, member dues effectively cover the equipment payment.
Types of Financing Options
Equipment Financing Loans (EFA)
- Secured by the equipment
- Fixed interest & monthly payments
- Ownership path; equipment serves as collateral
Equipment Leasing (FMV / Operating)
- Rent for a set term; option to buy at end
- Lower payments than loans; easier upgrades
- Great for high-end equipment & refresh cycles
Commercial Equipment Financing Companies
- Specialized lenders for commercial fitness
- Competitive rates; tailored plans
- Finance new or used equipment
SBA Loans
- Lower rates & longer terms
- Thorough application; stronger credit profile
- Often best for new build-outs & practice offices
Straight talk: Use leases/EFAs for equipment—not daily/weekly cash advances. Match payments to revenue cadence to protect approvals and cash flow.
Ask About Our Financing Promotion
- $99 for the first 6 months
- 90-day deferred payments
- $0 down equipment financing (qualified)
Program Highlights
- Fast, simple online application — No financials up to $250,000
- Corp-only (no personal guarantee) options available
- Up to 120% equipment cost (include delivery, install, flooring, mirrors, etc.)
- Up to $5,000,000 with financial statements
- Next-day funding approval
- 12–72 month fixed payment terms
- No prepayment penalties (program-dependent)
- $1 buyout leases & FMV options
Why Liberty Capital Group, Inc.?
Startups and expanding gyms face unique underwriting challenges. We structure the deal to maximize approval odds while keeping cash outlay minimal.
Tailored Solutions
Built around your credit, time in business, equipment mix, and growth plan.
Expert Guidance
Hands-on advisors who know fitness underwriting and vendor verification.
Flexible Terms
Choose EFA (ownership) or FMV (flexibility) with terms aligned to revenue.
What Do I Need to Apply?
- Online Application: Complete, upload, and authorize. Soft inquiry first; hard inquiry may occur upon approval for equipment financing.
- Equipment Invoice or Quote: Multiple vendors accepted; we’ll bundle into one monthly payment. Pre-funding up to 100% for approved vendors.
- 3–4 Months Bank Statements: Your funding advisor will align process & timeline, issue offer, and coordinate vendor payment. Used equipment up to 60 months (program-dependent).
Apply Online
Prefer a quick estimate first? Get an instant quote.
FAQ: Fitness Equipment Leasing
Is leasing better than financing for gyms?
If you refresh equipment regularly, FMV leasing lowers payments and simplifies upgrades. If you want long-term ownership and resale, consider an EFA or $1 buyout lease.
Can soft costs be included?
Often yes—delivery, installation, flooring, tech setup, and training can be included up to ~120% total project cost (program-dependent).
Do you work with startups?
Yes. Startups may need additional down/security. We’ll package the file to fit the right lender and exposure limits.
How fast can I get funded?
Approvals can be next-day; funding may occur within 24–72 hours after docs and vendor verification.
