We understand fitness gear.
Commercial treadmills, selectorized strength lines, rigs, saunas, and climbing walls all hold value differently. We know which lenders are comfortable with each.
Industries we serve
Gym and Recreation Equipment Financing
Members notice everything. A treadmill with a dead console, a cable machine with a frayed cable, or a locker room that feels tired can quietly push people toward the gym down the street. Whether you run a full size health club, a boutique cycling studio, a CrossFit box, a hotel fitness room, or a community park, the equipment is the experience you're selling.
MissionFund helps you get that equipment without draining your cash. We're a veteran owned commercial finance brokerage, and we compare offers from 60+ lending sources so you can pick the structure that fits your budget and your growth plans. From a single rower to a full facility buildout, we can help you check options with a soft credit pull that won't affect your score.
Gym and Recreation Equipment We Help Finance
Explore the equipment categories we finance most often for fitness and recreation operators.
Treadmills
Commercial, curved manual, and incline treadmills for busy cardio floors.
Exercise Bikes
Air, spin, upright, and recumbent bikes for studios, clubs, and fitness rooms.
Ellipticals, Climbers, and Rowers
Ellipticals, stair climbers, and rowing machines to round out your cardio floor.
Strength Machines
Multi station, cable, leg press, and plate loaded machines for your strength floor.
Racks, Smith Machines, and Rigs
Squat racks, Smith machines, training rigs, and lifting platforms.
Functional Training
Functional zones, kettlebells, battle ropes, speed bags, and turf.
Climbing Walls and Obstacle Courses
Climbing and bouldering walls, obstacle courses, and ninja courses.
Saunas and Steam Rooms
Traditional and infrared saunas, steam rooms, and cold plunge tubs.
Facility Upgrades
Lockers, rubber flooring, control upgrades, and projectors for your facility.
Technology and Security
Check in kiosks, POS systems, security cameras, and access control.
Playground Equipment
Modular and accessible play structures, swing sets, and safety surfacing.
Splash Pads
Splash pads, spray features, and water recirculation systems.
Park and Site Amenities
Pavilions, fencing, bike racks, benches, and shade structures.
How Gym and Recreation Equipment Financing Works
We keep the process simple so you can stay focused on members, residents, or guests.
Apply in minutes.
Fill out one short application. We use a soft credit pull only, so checking your options doesn't touch your credit score.
We shop your deal.
We match your request with the lenders in our network of 60+ sources that understand fitness and recreation equipment, from commercial cardio to playground structures.
You compare and choose.
We lay out the offers in clear terms. You choose the payment, structure, and end of term option that makes sense for you.
Get funded.
Once you sign, the lender typically pays your equipment vendor directly, and your gear can ship and install on your schedule.
Submitting your application authorizes us to submit it to lenders within our network on your behalf, which helps keep things moving.
Why Gym and Recreation Owners Choose MissionFund
Used and refurbished equipment welcome.
Many gyms stretch their budget with remanufactured cardio or strength pieces. Depending on the lender, we can often finance those too.
Whole project financing.
Flooring, lockers, check in kiosks, installation, and freight can often roll into one package, depending on the lender.
Options for public and shared spaces.
Parks, homeowners associations, apartment communities, and schools can finance playgrounds, splash pads, and site amenities.
Soft pull only, and free to apply.
You can see what's available without a hard inquiry or an application fee.
Transparent and welcoming.
We explain every option in plain English, and a real person answers when you call.
Financing Programs That Fit Gym and Recreation Businesses
Different facilities need different structures. These programs tend to work well:
Program Equipment Finance Agreement (EFA)
You own the equipment from day one and make fixed payments. It's a great fit for strength equipment and racks that last a long time on the floor.
Program Fair Market Value (FMV) Lease
Lower payments, then upgrade, keep leasing, buy at fair market value, or return it. Many clubs like this for cardio and technology that they refresh on a regular cycle.
Program $1 Buyout Lease
Make lease payments, then own it for one dollar at the end. It suits saunas, climbing walls, and other equipment you plan to keep for the long haul.
Program SBA Loans
Government backed loans up to $5MM for larger projects like a new club buildout, a facility purchase, or acquiring an existing gym.
Startups and Growing Businesses
Opening your first studio or box? Equipment financing is available from day one, even before you have a track record. That means you can outfit your space with bikes, racks, and flooring and keep your startup capital for rent, marketing, and staffing during your presale period.
Once you've been in business at least a year, working capital and a business line of credit can help with seasonal membership swings, a second location, or a new program launch. For bigger moves like buying a building or acquiring another club, SBA loans can fund up to $5MM.
What You'll Need to Apply
For requests under $150K, we can often get you approved on the application alone. For larger projects, financial statements can strengthen your file and support higher amounts.
When it's time to fund, many deals finalize with just your driver's license and the equipment invoice or quote from your vendor. If you're financing a mix of items from several suppliers, send us each quote and we'll help keep them organized.
Frequently Asked Questions
Still have a question?
Talk to a real person. We're happy to walk you through your options.
Can I finance used or refurbished gym equipment?
Yes, in many cases. Plenty of lenders will finance remanufactured cardio and strength equipment from reputable refurbishers, especially when it comes with a warranty. Share the vendor quote and we'll find lenders that fit.
I'm opening a new gym. Can I still get equipment financing?
Often, yes. Equipment financing is available from day one for startups, and the equipment itself helps secure the deal. Strong personal credit and a clear business plan can help you get the best offers.
Can HOAs, apartment communities, and parks finance recreation equipment?
They can. Homeowners associations, property managers, and park operators regularly finance fitness rooms, playgrounds, splash pads, and site amenities. We'll match you with lenders that work with those types of organizations.
Can installation and flooring be included in my financing?
Depending on the lender, soft costs like delivery, installation, assembly, and rubber flooring can often roll into the same agreement. That keeps your project on one payment instead of several.
Will applying hurt my credit score?
No. We only use a soft credit pull to check your options, so your credit score isn't affected. Applying is also free.
Should I lease or buy my cardio equipment?
It depends on how often you plan to refresh. If you like to update cardio and consoles on a regular cycle, an FMV lease can keep payments lower and make upgrades easy. If you want to own it outright, an EFA or a $1 buyout lease may fit better.
Get started
See what your business qualifies for.
Applying is free, takes just a few minutes, and uses a soft credit pull only.
Prefer to talk first? Book a call