MissionFund.AI

Gym and Recreation

Elliptical, Stair Climber, and Rower Financing

A strong cardio floor is more than a row of treadmills. Ellipticals give members a joint friendly option, stair climbers have a loyal following and often a waitlist at peak hours, and rowers have become essential for group training and total body conditioning. Offering all three helps you serve a wider range of members and spread traffic across the floor.

Financing lets you add these machines in the right quantities without a large cash outlay. You can balance your cardio mix to match what members actually use and adjust as demand shifts.

Apply Now or book a call
Programs that fitFMV LeaseEFA$1 Buyout LeaseResidual Lease

Ellipticals, Stair Climbers, and Rowers We Help You Finance

  • 01

    Ellipticals

    Ellipticals move the legs in a smooth oval path with little impact, which makes them popular with older members, people returning from injury, and anyone who wants a long, steady session. Commercial units vary in stride length, whether the stride adjusts automatically, and whether the moving handles engage the upper body. Front drive models tend to be more compact, while rear drive models often feel smoother. Also consider step up height and the console options. Refurbished ellipticals are widely available and can be a good value when the bearings and linkages have been serviced.

  • 02

    Stair Climbers

    Stair climbers come in two main styles: stepmills with a revolving staircase and stepper machines with independent pedals. Stepmills deliver an intense workout and are a favorite in big box gyms and athletic clubs, but they're tall, heavy, and need solid flooring and enough ceiling clearance. Compare step height, speed range, handrail design, and emergency stop features. Because stepmills see heavy traffic and have more moving parts, look closely at service access and parts availability, and favor well documented reconditioned units if you buy used.

  • 03

    Rowing Machines

    Rowing machines work the legs, core, and back in one smooth motion. Air resistance rowers are the standard in CrossFit boxes and performance gyms, water rowers appeal to boutique studios for their look and feel, and magnetic rowers run quietly for hotel and apartment fitness rooms. Look at the monitor, how the rower stores upright, rail length for tall users, and seat comfort. Rowing studios buying in bulk should also ask about connected monitors for group racing. Quality rowers last a long time and hold value on the used market.

Why Finance Cardio Equipment Instead of Paying Cash

Ellipticals and stepmills are some of the priciest pieces on a gym floor, and rowers add up fast when you buy a full class set. Financing turns those costs into steady payments you can plan around.

It keeps your cash and credit available for staffing, maintenance, and unexpected repairs. You can also refresh cardio lines more often, which helps you stay competitive with newer clubs. Your purchase may qualify for Section 179 deductions; check with your tax professional.

What Your Financing Can Include

Depending on the lender, your financing may also cover:

  • Delivery and rigging for tall, heavy stepmills
  • Assembly and calibration of each machine
  • Floor reinforcement or heavy duty mats where needed
  • Console upgrades, entertainment systems, and connected fitness software
  • Wall storage or upright storage solutions for rowers
  • Warranties and preventive maintenance agreements

Programs That Work Well for Ellipticals, Stair Climbers, and Rowers

  • Program

    Fair Market Value (FMV) Lease

    Lower payments, then upgrade, keep leasing, buy at fair market value, or return it. It fits clubs that rotate electronic cardio regularly.

  • Program

    $1 Buyout Lease

    Lease payments, then own the machines for one dollar at the end.

  • Program

    10% and 15% Residual Lease

    Lower payments now, then either pay the set residual and keep the machines or return them when the cardio floor is due for a refresh.

Rounding out the cardio floor? See treadmill financing and exercise bike financing.

New Business or Established, We Can Help

Startups can get equipment financing from day one, so you can open with a complete cardio lineup. Established operators can add machines as membership grows. Learn more on our gym and recreation financing page.

What You'll Need

For requests under $150K, the application is often all it takes to get approved. Funding can often finalize with your driver's license and the equipment invoice. Financial statements help for larger orders.

Frequently Asked Questions

Still have a question?

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

Can I finance just one or two stair climbers?

Yes. Financing works for single machines as well as full floor packages. Funding starts at $10K, so bundling a couple of climbers with a rower or two often works well.

Will lenders finance water rowers for a boutique studio?

Often, yes. Lenders look at the vendor, the equipment value, and your business profile. A quote from an established supplier makes the process smoother.

Do I need special flooring for a stepmill?

Many stepmills are heavy and create a lot of vibration, so manufacturers often recommend a solid, level surface and heavy duty mats. Depending on the lender, those costs can be included in your financing.

Can I trade in old ellipticals when I upgrade?

Many vendors accept trade ins, which can reduce the amount you need to finance. With an FMV lease, you may also have the option to return older equipment and upgrade at the end of the lease.

Keep exploring

More in Gym and Recreation

Back to Gym and Recreation Equipment Financing

Get started

See what your business qualifies for.

Applying is free, takes just a few minutes, and uses a soft credit pull only.

Apply Now Or call (970) 400-9870

Prefer to talk first? Book a call

Scroll to Top