01
Member churn
Use net active membership after freezes and cancellations, not gross sign-ups, when modelling repayment.
Gyms & Fitness
Capital for gyms and studios.
Funding for independent gyms, boutique studios, PT operators, CrossFit boxes and wellness clubs. Built for membership cycles, kit-heavy capex and seasonal trading.
£5k – £5M
Funding range
3 – 24 mo
Repayment terms
File dependent
Review timing
Before choosing funding
Test growth against member retention
A useful facility should follow the commercial cycle it is paying for. These are the details worth testing before comparing offers.
02
Fit-out lead time
Include rent, pre-opening payroll and marketing during the period before membership revenue begins.
03
Equipment life
Match the repayment term to expected kit usage, maintenance and replacement cycles.
What to prepare
Having these ready makes the first review more useful and reduces avoidable follow-up.
- Membership and churn report
- Direct debit receipts
- Fit-out and equipment quotations
- Site-level forecast for expansion
Questions worth asking
Use these to compare the repayment structure with the way your business earns cash.
- 01How many retained members cover the new monthly cost?
- 02What is funded before opening revenue starts?
- 03Is ownership or leasing better for the kit?
Fitness operators run on a recurring revenue base that simplifies the underwriting view. Member churn, attrition and class fill rates tell a clearer story than a single bureau score.
We work with gyms and studios across the UK, from single-site independents to multi-club operators. Timing depends on the file, verification and written terms.
Typical use cases
- Kit refresh: rigs, plates, cardio, recovery
- New site fit-out, flooring and acoustics
- Studio expansion, second location
- Marketing, member acquisition, paid social
- Premises deposit and dilapidations
- Coaching and class instructor hire
Useful reading
Go deeper before you decide.
Practical guide6 min read
Asset finance UK: hire purchase, leasing and refinance explained
Hire purchase, finance lease, operating lease and asset refinance, how each works, tax treatment, and which suits your business.
Practical guide7 min read
Business expansion loans for growing UK SMEs: sizing, structure and speed
A practical guide to funding UK business expansion: choosing the right structure for the growth thesis, sizing the facility, and getting through underwriting cleanly.
File based
Review timing
£5k–£5M
Facility size
Explained
Search process
Clear
Written terms
Funding most suited to gyms & fitness
Merchant cash advance
Advance against future card receipts. Repay as a small share of daily settlements.
Learn moreRevenue based financing
Repayments calibrated to top-line cash receipts. Eases in quieter months.
Learn moreTerm business loan
Fixed monthly repayments over 3 to 24 months for planned investment.
Learn moreFrequently asked
Do you fund single-site independents?
Yes, subject to monthly turnover and the facility size requested.
Can a fit-out for a new location be funded?
Yes. Fit-out capex is a common use of our term facility. A short P&L for the existing site supports the file.
Is membership revenue read into the file?
Yes. Direct debit and recurring revenue are factored into the cash flow view via Open Banking.
What about seasonal demand?
Revenue based financing eases service in quieter months and rises through January and September peaks.
When the bank says no, we take a closer look.
Start with a short initial enquiry. If a credit search is needed later, it will be explained first.
Check eligibility