Equip your gym without draining your cash
Fitness centers need constant investment in equipment — from cardio machines and free weights to functional training rigs and recovery technology. Members expect modern, well-maintained equipment, and falling behind on refresh cycles directly impacts retention and new signups. Bay Street Lending helps gym owners finance equipment upgrades and expansions without tying up working capital. Whether you run a boutique studio, a CrossFit box, or a full-service fitness center, our 50+ lender network includes specialists who understand membership-based revenue models and can structure payments accordingly.
Cardio equipment needs replacement every 5–7 years. Financing lets you keep equipment current without massive cash outlays.
A new gym location can cost $100K–$500K+ to build out. SBA loans and equipment financing make this manageable.
New locations take 6–12 months to reach target membership. Working capital covers expenses during the ramp period.
Yes. Equipment financing can cover cardio machines, strength equipment, flooring, mirrors, and ancillary equipment as a single package.
All major commercial fitness brands qualify — Life Fitness, Precor, Hammer Strength, Rogue, Cybex, and others.
Yes. Used and refurbished commercial equipment can be financed, though terms may differ from new equipment.
One application, no credit impact, and a dedicated specialist to walk you through your options. See what you qualify for in minutes.