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.
How we help Gym & Fitness Businesses
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 hoop)
- 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
BEAR Finance Provide Bespoke Hospitality Solutions
"bespoke and efficient financing solutions."
At BEAR Business Finance, we listen to your goals and recognise that your industry's unique challenges require bespoke and efficient financing solutions.
Ready to discuss how BEAR Business Finance can support your hospitality business? Contact us today.
BEAR Finance Solutions
Short-Term & Tax Loans
- Fast financial support when your business needs it most
- Unsecured without PG available
- Pre-approved in 2 minutes
- Competitive rates from 6.9%
- In-funds as fast as 1 hour
- Use to pay urgent Tax Bills
Term Loans
- Low rate, affordable solutions, precision matched to your business needs.
- Borrow up to £2 million
- Same-day decision up to £100k
- No early repayment fees or redemption penalties
- Unsecured without PG available
- Settle any time and ability to overpay
Consolidation Loans
- Reduce strain on cash-flow
- Lower your monthly outgoings
- Improve budgeting with one, low cost, monthly repayment
- Consolidate secured borrowing onto unsecured facilities
- Combine borrowing from multiple lenders
- Upgrade existing borrowing to reflect current financial performance
Revolving Credit Facilities
- On-demand flexible funding
- Access immediately
- Only pay interest on what you borrow
- Credit limit of up to £1 million
- Terms up to 60 months
- Approved within hours
- Control over how and when you borrow
- No fees for early repayment
- No Director guarantee option available
FUEL YOUR START-UP - WE FUND NEW BUSINESSES ACROSS THE UK
Get in touch to discover how we can secure funding for your start-up
Hard Asset Finance
- Spread large capital expenditure to reduce cash flow strain
- Low rates available with specialist funders
- Overcome budget restraints
- Benefit from annual capital allowance tax relief
- Own your asset from the start of the agreement
- Asset bolster your balance sheet
- Defer VAT for 3 months
Soft Asset Finance
- Avoid large start up or project costs
- Overcome budget restraints
- Terms from 1 - 6 years
- Start-up funding available
- Spread the cost of VAT
- OpEx payments are tax deductible
- Avoid upfront expenditure on depreciating assets
Asset Refinance
- Free up capital on assets already purchased
- Funds paid directly to your business account for immediate cash injection
- Move CapEx onto OpEx to avoid cash flow restraints
- Own the asset at the end of the term
- Tax benefits
- Utilise liquid cash tied up in tangible assets
Franchise Asset Finance
- Fund the fit-out of your new franchise
- Refurb, refresh or expand your existing franchise
- Ideal for fixtures, fittings, equipment and branding
- Preserve capital by avoiding expenditure on depreciating assets
- Achieve tax efficiencies via operational expenditure
- Spread the cost of VAT
- Invest in technology