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Gym and Recreation

Exercise Bike Financing

Bikes are some of the hardest working pieces on any fitness floor. A cycling studio might run the same 40 bikes through several packed classes a day, while a senior living fitness room depends on a comfortable recumbent that residents actually want to use. The right bike keeps people coming back.

Financing makes it practical to buy an entire studio's worth of bikes at once, or to add a few specialty models without dipping into reserves. You get consistent, modern equipment on the floor and payments that grow alongside your class schedule.

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Programs that fitEFAFMV Lease$101 Buyout LeaseResidual Lease

Exercise Bikes We Help You Finance

  • 01

    Air Bikes

    Air bikes use a large fan for resistance, so the harder you push, the harder it gets. Arms and legs work together, which makes them a staple for conditioning in CrossFit boxes, bootcamp studios, and athletic training rooms. They need no power and hold up to brutal use. When comparing models, look at the fan housing, belt drive versus chain drive, seat adjustability, and the monitor's interval programs. Used air bikes are common and easy to inspect, though you'll want to check bearings and the crank for play.

  • 02

    Spin Bikes

    Indoor cycling bikes are the heart of boutique cycling studios and group fitness rooms. Key choices include magnetic versus friction resistance, belt drive for quiet rides, adjustable handlebars and saddles, and whether you want connected consoles that track power and cadence for leaderboards. Studios buying 30 or more bikes should think about color, branding, and service support from the vendor. Refurbished spin bikes can be a smart way to launch, but budget for new pedals, saddles, and resistance pads.

  • 03

    Upright Bikes

    Upright bikes are the familiar, self powered cardio bikes found in health clubs, hotel gyms, and corporate fitness centers. They offer a traditional riding position with programmed workouts on the console. Look for a step through frame for easy mounting, a quiet generator or self powered design so you don't need outlets, and a console your members find simple. They take up little floor space, so they're a good way to add cardio capacity in a small room.

  • 04

    Recumbent Bikes

    Recumbent bikes seat riders in a reclined position with back support, which takes stress off the hips and lower back. They're the preferred choice for physical therapy clinics, senior living communities, apartment fitness rooms, and anyone serving members with mobility concerns. Pay attention to the step through height, seat slide mechanism, weight capacity, and handle placement. Many facilities keep recumbents for a long time, so an ownership focused program can make sense.

Why Finance Exercise Bikes Instead of Paying Cash

Filling a cycling room is a large upfront cost before you've sold a single class pack. Financing spreads that cost out so your presale and membership revenue can help cover payments.

Keeping cash on hand also gives you room for instructors, sound systems, and marketing. When connected bike technology moves forward, a financing plan can make it easier to upgrade instead of falling behind competitors. Your purchase may qualify for Section 179 deductions; check with your tax professional.

What Your Financing Can Include

Depending on the lender, your bike financing can also cover:

  • Freight and delivery for large studio orders
  • Assembly and fit setup for each bike
  • Performance monitors, power meters, and leaderboard software
  • Studio display screens that show class metrics
  • Bike mats and flooring for the cycling room
  • Extended warranties and replacement parts packages

Programs That Work Well for Exercise Bikes

  • Program

    Fair Market Value (FMV) Lease

    Lower payments, then upgrade, keep leasing, buy at fair market value, or return it. Great for connected spin bikes that evolve quickly.

  • Program

    $101 Buyout Lease

    Works like the $1 buyout with the final purchase price set at $101.

  • Program

    10% and 15% Residual Lease

    Lower payments now, then either pay the set residual and keep the bikes or return them when the studio is ready for newer models.

Building out a full cardio area? Check out treadmill financing too.

New Business or Established, We Can Help

Launching a new cycling studio? Equipment financing is available from day one for startups. Established gyms can add or replace bikes anytime. Visit our gym and recreation financing page for the bigger picture.

What You'll Need

Requests under $150K can often be approved on the application alone. Funding may finalize with your driver's license and the bike invoice. Financial statements can help if you're outfitting several studios.

Frequently Asked Questions

Still have a question?

Talk to a real person. We're happy to walk you through your options.

Can I finance an entire cycling studio at once?

Yes. Many studio owners finance all their bikes, monitors, screens, and sound equipment in one package, depending on the lender. Send us each quote and we'll organize the request.

Are connected bikes with subscriptions financeable?

The bikes and hardware are usually financeable. Some lenders can include software setup or content packages as soft costs, so share the full quote and we'll check.

Can I finance used spin bikes?

Often, yes. Lenders frequently finance refurbished bikes from established resellers. A warranty and a clear description of the refurbishment help.

Which bike type is best for an apartment or homeowners association fitness room?

Many communities choose a mix of an upright and a recumbent bike because they're easy to use, quiet, and often need no power. We can finance whichever combination fits your space.

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