Industry finance · Gyms & fitness

Finance for gyms and fitness businesses

Fund new sites, fit-outs, equipment and expansion, including unsecured loans up to $1m with no property security.

Lenders that understand membership businesses

Gyms, studios and fitness franchises have a business model many banks struggle with: high upfront fit-out and equipment costs, recurring membership revenue, and leased premises rather than property to offer as security. That combination often leads to a slow bank process or a flat decline.

Peak Capital works with lenders that assess fitness businesses on their real trading performance: membership numbers, recurring revenue and the track record of existing sites. Whether you’re opening your first studio or rolling out across states, we structure finance that fits how your business earns.

What we fund for fitness businesses

New sites and expansion

Capital to open new locations, including interstate rollouts, without slowing your growth plans.

Fit-outs

Funding for leasehold improvements, change rooms, flooring, lighting and sound.

Gym equipment

Equipment finance for cardio, strength and functional training gear, often secured by the equipment itself.

Unsecured business loans

Up to $1m with no property security, based on your trading history.

Working capital

Smooth out cash flow between membership cycles and fund marketing pushes.

Refinancing

Consolidate existing equipment and business loans into a simpler structure.

Who we help

Independent gyms and personal training studios
Boutique fitness, pilates, yoga and F45-style studios
Multi-site and franchise operators
Owners expanding interstate
Fitness businesses refinancing expensive equipment leases

A recent deal

Health & Fitness · Melbourne

$600k unsecured business loan, settled in 4 weeks

A growing gym group was ready to expand interstate but didn’t want to tie up property as security or slow down the rollout. We prepared the business’s trading story, approached unsecured lenders that understand membership-based businesses, and secured $600k with no property security, giving the owners the capital to open new sites on their own timeline.

How it works

Talk to us

A free 15-minute call to understand your business, your goals and your current position.

We find the structure

We assess options across 100+ bank, non-bank and private lenders and recommend the best fit.

We manage it to settlement

We prepare the application, negotiate terms and handle the lender until funds are in place.

Common questions

Can I get a gym loan without property security?

Yes. Unsecured business loans of up to $1m are available for established fitness businesses with solid trading history. Equipment can also be financed and secured against the equipment itself.

Can you finance a new gym that hasn’t started trading?

Start-ups are harder, but options exist, especially for experienced operators or franchisees. Equipment finance and owner contribution usually play a bigger role. Talk to us about your plan.

How quickly can I get funded?

Unsecured loans can fund in as little as 24–48 hours once documents are in. Larger or multi-part facilities typically take 2–6 weeks.

Do I pay for your service?

Yes. There is an engagement fee paid when you select our services, and a success fee paid on successful completion of your loan funding. We explain all fees upfront before you proceed.

Planning your next site?

Book a free 15-minute call. No obligation, no credit check.

Get a free quote Call 0401 132 581