New equipment
Time to upgrade your treadmills, cable machines, or free weights? Gym equipment finance helps you buy (or lease) it without the big upfront cost.
Fitness business loans
Running a gym isn’t just about machines; it’s about happy members, smooth operations, and healthy cash flow. Our business gym loans give you the flexibility to to grow your space and revenue with confidence.
Requesting a quote has no impact on your Credit Score.
Common financing needs for fitness SMEs
The right financing can keep your gym, studio, or online training operations thriving.
Studio renovations
Access credit to refresh your space or fit out a new location with flooring, mirrors, lighting, and other essential improvements.
Staffing & training
Hire PTs, group instructors, or admin staff, and fund professional development to keep your team at the top of their game.
Tech & software
From booking systems to virtual classes, invest in tech that makes your members' experience seamless, and helps you scale without stress.
Member acquisition
Bring new members in and keep your community engaged with marketing campaigns, brand activations, and fitness events.
Expansion & Diversification
Open a new studio, add wellness services, or launch a franchise, and use finance to grow on your terms.
Everyday operations
Cover rent, utilities, insurance, and wages, and keep your fitness SME running no matter how memberships flow.
Finance solutions built for fitness businesses
Equipment finance
Secure capital to buy essential gear for your business, from cardio machines to weights, functional training equipment, and recovery accessories.
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Lease agreement
Pay a set amount over a lease term and use the latest fitness equipment without having to buy it outright.
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Business line of credit
Access funds as needed to manage daily expenses, cover seasonal expenses, or handle unplanned outlays.
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Business acquisition loan
Unlock the resources to purchase an additional gym location, expand your current space, or take over a franchise.
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Business term loan
Borrow money to pay for routine business expenses (or cover unexpected costs), often without needing to offer collateral.
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Requesting a quote has no impact on your Credit Score.
Types of fitness businesses we finance
- Gyms and fitness centres
- Boutique and speciality studios
- Personal trainers
- Fitness franchises
- Sports rehab centres
- Mobile fitness businesses
- Online fitness platforms
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How to apply for a fitness loan
STEP 1: GET A QUOTE
Tell us about your business loan needs and immediately receive quotes from over 90+ bank and non-bank lenders.
STEP 2: GET APPROVED
Confirm your quote and we handle your business loan approval so you can focus on what matters—your business.
STEP 3: GET FUNDED
Sign your finance documentation and receive funding. It is that simple.
Get a quote
Requesting a quote has no impact on your credit score.
Why choose Valiant
ONE APPLICATION TO 90+ LENDERS
We simplify business finance by handling the hard work. Complete a quick form or speak with a specialist, and we’ll match you with the right solution from 90+ lenders—often within 24 hours.
PERSONALISED SUPPORT
Our expert brokers cover all areas of commercial finance. From your first quote to settlement and beyond, you’ll have a dedicated broker by your side—ready to support your funding needs now and in the future.
BUILT FOR AUSTRALIAN SMEs
Since 2015, we’ve helped over 30,000 Australian SMEs across every industry access $3 billion in funding—supporting them through challenges and unlocking new opportunities.
FAQ's
Can I get a loan to start a gym?
Absolutely! You can get a business loan to start a gym. Common options include secured and unsecured business finance, which are often paired with equipment loans to fund your full fitness lineup.
Lenders will want to see that you’ve done your homework, including a business plan, cash flow forecasts, and some evidence you can run the business. Remember, the stronger your plan is, the more likely you are to get approved, even as a first-time gym owner.
Should I finance or lease gym equipment?
Leasing fitness equipment comes with lower upfront costs, included maintenance, and flexibility to upgrade to the latest models when your lease is up. However, you don't own the equipment, and it can be more expensive over time.
Financing gives you full ownership, more control, and the ability to sell the assets later, often lowering the total cost in the long run. The trade-off is it requires a higher initial investment, and you’re responsible for maintenance and repairs.
So, which option's best? It all comes down to your cash flow, business stage, and growth plans.
Can I finance an existing fitness franchise?
Yes, you can finance a fitness franchise, often with more favourable terms than a completely new gym since you have financial reports to show the lender.
As usual, having paperwork ready to go is key. Lenders usually ask for the franchise agreement, proof of income, a credit check, and recent financial statements.
What do lenders look for when approving a gym loan?
Lenders look at things like:
- Business performance and financial situation
- Time in business
- Credit score
- Loan purpose
- Collateral and assets
- Business plan
- Franchise agreement, if applicable
Can new gyms with little revenue get a loan?
Yes, but it can be trickier to get approval, especially from traditional banks. For gyms just starting out, options like low-doc loans, secured finance, or alternative lenders are often more accessible.
The key is showing how you’ll generate income with a clear business plan, cash flow projections, and startup cost estimates.
Do I need collateral to get a gym loan?
You may need collateral for a gym loan, depending on the type you go for. With equipment finance, the machines serve as security, and to access lower rates or bigger amounts, lenders may require extra collateral.
But don't worry, there are also unsecured options available, especially for quick, short-term, or smaller funding needs.
Hear from our clients
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Awards & key milestones
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