Finance for Gym & Fitness Businesses
Instant decisions under £100,000
Grow the borrowing power of your business
Funding from £25,001 to £5m
Prioritised by our panel of lenders for enhanced approvals
Rated 'Excellent' on Trustpilot
Stay competitive with bright business finance solutions
As specialists in Gym and Fitness finance, we understand both the pressures and the opportunities your business faces. Whether you're navigating seasonal cash flow, rising wage costs, or investing in the facilities and equipment that keep you ahead of the competition, we can help.
- Refurbishments & Fit-outs
- Equipment & Technology
- Cash-Flow Management
- Growth & Expansion
- Recruitment, Wages & Staff Training
- Marketing & Member Acquisition
Simple Steps to Funding
01
Apply
It only takes a minute to get started. Fill in our simple form to check your eligibility.
02
Approval
A BEAR Finance expert will call you within 1 working hour to understand your business' finance requirement.
03
Agreement
We use our expertise and panel of lenders to match you with the right solution. All terms are clearly explained.
04
Funded
In-funds as fast as 1 hour after first contact. Your BEAR Finance expert will provide ongoing support as your business continues to grow.
Discover what's possible for your fitness business
Refurbishments & Fit-outs
Soft-Asset finance offers a tax efficient solution for funding a wide variety of updates under operational expenditure. This type of finance can cover fixtures, fittings, lighting, electrics, flooring, equipment and technology.
Not only does this preserve your capital, it also spreads the cost of the assets and VAT over a period of time and OpEx payments are tax deductible. Soft-Asset finance enables you to avoid using up your cash-reserves buying depreciating assets.
- Improving lighting, décor, flooring and air conditioning
- Upgrading changing rooms, showers and reception areas
- Creating premium, ‘Instagrammable’ spaces (wellness & recovery zones, juice bars, cafés)
- Rebranding or improving member experiences
Equipment & Technology - Purchases & Upgrades
- Replacing cardio machines (treadmills, ellipticals, bikes, rowers)
- Upgrading resistance and weight equipment
- Buying specialist equipment (reformer Pilates, turf tracks, rigs, aerial hoops)
- Purchasing recovery and wellness technology (cryotherapy, ice baths,
infrared saunas, oxygen chambers)
- Investing in booking and management software
Cash Flow Management
- Bridge seasonal fluctuations – covering operational costs such as rent, staff wages, insurance and business rates during quieter months
- Unexpected costs & emergencies – equipment breakdowns, emergency repairs, urgent bills
- VAT & Corporation Tax –
fast funding to pay on time, spreading the cost and avoiding HMRC penalties
Recruitment, Wages & Staff Training
- National Minimum Wage / National Living Wage increases
- Recruiting and retaining qualified staff, instructors and managers
- Covering staff shortages or agency staff costs
- Expanding class timetables with additional instructors
- Training staff to ensure exceptional standard
Growth and Expansion
- Opening additional sites
- Expanding your site
- Acquiring a competitor’s business
- Franchise investment
Marketing, Advertising & Member Acquisition
- Digital transformation – building or upgrading your website
- Brand awareness – advertising campaigns, social media presence and influencer partnerships
- Professional photography & videography
- Events & tradeshows
Bright In Our Thinking
We challenge convention to find smarter solutions
Efficient In Our Approach
Our expertise allows us to deliver faster
Accurate In Our Process
We expertly match to enhance approvals
Relentless In Our Drive
We're committed to helping your business grow
Ready to discuss how BEAR Business Finance can support your business? Contact us today.