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Gym and Recreation

Sauna and Steam Room Financing

Recovery has become one of the biggest draws in fitness. Members now expect more than a locker room shower, and contrast therapy with heat and cold is a common reason people choose one club over another. Recovery studios, day spas, hotels, and high end apartment communities are adding saunas, steam rooms, and cold plunges to stand apart.

These amenities can justify premium membership tiers and add revenue through recovery sessions. Financing makes it practical to install them without a large upfront payment.

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Programs that fitEFA$1 Buyout LeaseEquipment Loan

Saunas and Steam Rooms We Help You Finance

  • 01

    Traditional Saunas

    Traditional Finnish saunas use an electric or wood fired heater with stones to create high, dry heat, and users can ladle water on the stones for a burst of humidity. Commercial units are built from durable woods like cedar, hemlock, or spruce and sized for several people at once. Consider heater capacity, electrical requirements, ventilation, bench layout, and whether you want prebuilt modular rooms or a custom build. Commercial heaters and controls should be rated for heavy daily use, with timers and safety cutoffs.

  • 02

    Infrared Saunas

    Infrared saunas use panels that warm the body directly at a lower air temperature, which many users find more comfortable. They're a centerpiece in recovery studios and wellness centers that sell private sessions. Compare near, mid, and full spectrum heaters, cabin size, low electromagnetic field (EMF) claims backed by testing, and built in audio or chromotherapy lighting. Most units plug into standard or dedicated circuits, which simplifies installation. Studios often buy several private cabins at once, so ask vendors about commercial warranties and multi unit pricing.

  • 03

    Steam Rooms

    Steam rooms use a generator to fill a sealed, tiled space with warm, humid air. They're typical in health clubs, hotels, and spas. A steam room is a construction project as much as an equipment purchase: you need a properly sized generator, waterproofing, a sloped ceiling to control drips, drainage, and moisture resistant lighting. Prefabricated steam enclosures can shorten the timeline. Generator maintenance and water quality matter, so factor in automatic flush systems and descaling. Steam rooms are almost always built new.

  • 04

    Cold Plunge

    Cold plunge tubs keep water at a chilled temperature for contrast therapy after a sauna or workout. Recovery studios, athletic facilities, and upscale gyms often pair them with heat. Look at chiller capacity, filtration and sanitation such as ozone or UV, insulation, and how quickly the tub recovers temperature between users. Commercial plunges handle more traffic than residential models and may require specific plumbing and drainage. Check local health codes before you buy, since shared plunge pools can face inspection requirements.

Why Finance Saunas and Steam Rooms Instead of Paying Cash

Recovery amenities involve equipment plus construction, electrical, and plumbing work. Financing spreads those costs so the new services and premium memberships can help cover payments.

It also keeps your cash free for marketing a new recovery offering and training staff. 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 cover:

  • Electrical upgrades and dedicated circuits
  • Plumbing, drains, and water lines for steam and plunges
  • Waterproofing, tile, and enclosure construction
  • Ventilation and exhaust work
  • Chillers, filtration, and sanitation systems
  • Delivery, installation, and startup service

Programs That Work Well for Saunas and Steam Rooms

  • Program

    $1 Buyout Lease

    Lease payments, then own it for one dollar at the end. It works well for long lasting cabins and steam systems.

  • Program

    Equipment Loan

    A loan that usually carries the strongest incentives for paying off early, though the details depend on the lender, which is useful if recovery sessions ramp up quickly.

Refreshing the locker rooms too? See gym facility upgrade financing.

New Business or Established, We Can Help

Opening a recovery studio? Equipment financing is available from day one for startups. Established gyms and spas can add heat and cold therapy to lift membership value. Learn more on our gym and recreation financing page.

What You'll Need

Requests under $150K can often be approved on the application alone. Funding can often finalize with your driver's license and the equipment invoice. Financial statements help for larger spa projects.

Frequently Asked Questions

Still have a question?

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

Can I finance a recovery studio with several infrared cabins?

Yes. Many recovery studio owners finance multiple cabins, cold plunges, and related equipment in one package, depending on the lender.

Are construction costs for a steam room financeable?

Depending on the lender, tile, waterproofing, plumbing, and installation can often be included with the steam generator. Share your contractor's quote along with the equipment quote.

Can hotels and apartment communities finance saunas?

Often, yes. Property owners and managers regularly finance saunas and steam rooms as resident or guest amenities.

Are cold plunge tubs eligible for equipment financing?

Commercial cold plunge units are generally financeable, especially from established manufacturers. Residential grade tubs may be harder to place with lenders.

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