Industry Funding

Business Loans & Funding for Gyms and Fitness Studios

Gyms and fitness studios run a business with a distinctive rhythm: expensive equipment and studio build-outs must be paid for before they generate a dollar of membership revenue, and the single biggest member-acquisition window of the year — the January and post-holiday enrollment surge — requires capacity, equipment, and staffing to be in place before that wave of revenue arrives. Y Millennial Funding provides business funding for gyms and fitness businesses — independent gyms, boutique studios across cycling, yoga, pilates, strength and HIIT, franchised fitness locations, CrossFit and functional fitness boxes, martial arts studios, recovery and wellness studios, and multi-location operators — doing $150,000 or more in annual revenue. We underwrite based on revenue patterns and bank or membership-billing settlement strength rather than equipment collateral or credit score alone, which fits an asset-light, lease-based business. Funding is structured as a percentage of revenue, so remittance flexes with enrollment cycles and seasonal attendance — and recurring membership billing makes fitness revenue somewhat steadier than many industries. Fitness operators use funding to purchase and replace equipment, to build out and renovate studios, to open additional locations, to prepare capacity and staffing ahead of the January enrollment surge, and to cover working capital through slower seasons. Decisions are fast, which matters when an equipment purchase or a build-out must be completed before the busiest enrollment window of the year. A merchant cash advance is not a loan; it is the purchase of future receivables. Not all applicants qualify, and approval depends on revenue patterns, time in business, deposit consistency, and other factors.

Merchant cash advances are not loans. Funding amounts, terms, and timing vary based on business performance and underwriting. Not all applicants qualify.