Gym Equipment Financing

Gym equipment financing for studios, franchises, and hotel fitness centers — cardio, strength, and full facility packages. Representative example: a $80,000 equipment package runs about $1,5xx/month.*

Get a Quote Talk to an Expert

The Equipment package Reality

Fitness equipment is membership equipment — the floor sells the contract. We finance full facility packages for studios, franchise gyms, and hotel fitness centers, with structures that respect membership ramp and seasonality.

Built for This Asset

Structures priced by people who know what a equipment package earns and how it holds value — not a generic credit box.

Hospitality Expertise

Part of our Hospitality vertical: payment structures matched to how this industry's revenue actually arrives.

Backed by $1B

A $1B forward flow agreement with TPG gives Elevex institutional capital strength with entrepreneurial speed.

What We Finance

Cardio lines — treadmills, bikes, ellipticals, rowers
Strength circuits and free-weight systems
Functional training rigs and turf
Studio packages — spin, boxing, group fitness
Recovery and wellness equipment
Franchise buildout packages to brand spec

Payment Structures

The differentiation: four ways to own the same equipment, engineered to your cash flow. Compare them side by side on our structures page.

Operating Lease

Off-balance-sheet treatment with end-of-term flexibility — return, renew, or purchase. Often the right answer when technology cycles or accounting outcomes drive the decision.

$1 Buyout Lease

Own the equipment for one dollar at term end. Fixed payments, full Section 179 eligibility, and a clean path to ownership.

Seasonal & Step Payments

Payments that follow your revenue curve — lighter in slow months, heavier in peak season, or stepping up as new equipment ramps to full production.

Usage-Based & As-a-Service

Payments tied to hours, output, or consumption. The category Elevex is defining: pay for what equipment achieves, not what it costs.

How It Works

Three steps from quote to funded.

1 · Apply in Minutes

Application-only to $1,000,000 — no tax returns or financials below that threshold. Have your equipment quote, auction listing, or build spec ready.

2 · Structure Together

A finance professional (not a portal) walks the structure options — term, seasonality, end-of-term — and prices the deal to your cash flow.

3 · Fund in 24–48 Hours

Most transactions fund within 24–48 hours of signed documents. Your vendor gets paid; you get to work.

Common Questions

Can a new gym or studio finance its equipment floor?

Yes — gym equipment financing for startups leans on presales, the lease, and operator experience, with step payments that stay light during the membership ramp. Franchise buildouts finance to brand spec as one package.

Is used or refurbished commercial gym equipment financeable?

Certified-refurbished cardio and strength lines finance regularly — often the right economics for an independent studio where the price gap versus new is widest.

Can I finance a used equipment package?

Yes — used equipment package financing is standard business, whether the unit comes from a dealer, an auction, or a private seller. We value working assets on condition and remaining service life, not a blanket age cutoff, and set terms the equipment can actually support.

Does a equipment package qualify for Section 179?

Most business-use equipment placed in service this tax year qualifies for Section 179 expensing, financed or purchased outright — often meaning the first-year deduction outruns your first-year payments. Run your numbers on our Section 179 calculator and confirm specifics with your tax advisor.

How fast can gym equipment financing close?

Application-only decisions to $1,000,000 come back in minutes for qualified credits, and most deals fund within 24–48 hours of signed documents. Apply online with your quote to start.

EDITOR NOTE (remove before launch): *Representative example for illustration only — not an offer of credit. Actual payment depends on credit profile, term, structure, and equipment; all financing subject to approval. Explore <a href="/equipment-financing">equipment financing</a>, <a href="/equipment-leasing">equipment leasing</a>, or estimate tax savings with the <a href="/section-179-calculator">Section 179 calculator</a>.

Ready to finance your equipment package?

Payments built on outcomes, from the team that knows your industry. Equipment sellers: offer financing at the point of sale with CapVex.

Apply Now Sellers: Register