FITNESS & GYM EQUIPMENT
Gym equipment financing and leasing
A gym floor is bought all at once and paid for out of memberships that arrive one month at a time, which is exactly the mismatch leasing exists to fix. We finance commercial cardio, selectorized and plate-loaded strength, functional rigs, studio equipment and the flooring and build-out that go under them. That covers an independent gym, a franchise unit opening to the franchisor's equipment list, and a boutique cycling, rowing or Pilates studio.
What we finance
New or used, from any vendor, dealer or auction. Named manufacturers are examples of what this covers, not a limit — if what you need is not on this list, ask.
- Treadmills, ellipticals and bikes — Life Fitness Integrity SL, Precor TRM 800, Matrix Performance
- Stair climbers and curved treadmills — StairMaster 8 Series, Woodway Curve
- Connected cardio with streaming consoles — Technogym Excite Live, Peloton commercial
- Selectorized strength lines — Life Fitness Insignia, Precor Resolute, Matrix Ultra
- Plate-loaded and Hammer Strength equipment
- Functional rigs, racks and platforms — Rogue, Eleiko, Sorinex
- Free weights, dumbbells, kettlebells and storage
- Group cycling and studio — Keiser M3i, Stages SC3, Schwinn
- Functional cardio — Concept2 RowErg and SkiErg, Assault, Torque Tank
- Recovery, turf, rubber flooring, mirrors, access control and club management software
- Franchise equipment packages built to the franchisor's spec
- Pilates and rowing studios — Balanced Body and Merrithew reformers, WaterRower fleets
- Heart-rate training systems, screens and studio audio-visual
- Second and third units for existing franchisees
Why lease it
01
The floor arrives before the members do
You cannot sell memberships to an empty room. Financing puts the full floor in on opening day and lines the payment up with the dues that follow.
02
Refresh cardio on a schedule
Cardio wears out faster than strength and members notice first. A term matched to the refresh cycle means the machines get replaced before they become the reason someone cancels.
03
Build-out on the same lease
Rubber flooring, turf, mirrors, sound, access control and the club software are part of the gym. They can be financed with the equipment rather than out of pocket.
FREE QUOTE
Get a custom quote in minutes
Tell us what equipment you need — from any list above, or something that is not on one. An ACG specialist follows up, typically within 24 hours, with options built around your business.
Business equipment financing. $10,000 minimum. We do not finance personal or household purchases.
- — NO OBLIGATION, NO HARD CREDIT PULL
- — NEW OR USED, ANY VENDOR
- — OR CALL (949) 822-3017
Three steps to your equipment
01
Request a quote
Use the form above or call (949) 822-3017. No obligation and no hard credit pull to get a number.
02
Secure approval and sign
Most decisions come back the same day. Documents are signed online.
03
Order your equipment
We deal with the vendor directly — payment, inspection and delivery — so you can keep running the business.
Gym equipment financing questions
Can I finance gym equipment to open a new gym?
Yes. New gyms and studios are financed regularly, based on the owner's experience, the signed lease on the space, the business plan and a down payment. It is worth applying rather than assuming a pre-opening business cannot be funded.
Do you finance a whole gym floor at once?
Yes, and that is the usual structure. Cardio, strength, functional rigs, free weights and the flooring go on one lease even when they come from several manufacturers and dealers, so the floor is one payment.
Can you finance used or refurbished commercial fitness equipment?
Yes. Refurbished commercial cardio and strength equipment from dealers is financed regularly, and it is a common way to fit out a second location without paying new prices.
Can gym build-out costs be included in the lease?
Yes. Rubber flooring, turf, mirrors, sound systems, access control and club management software can be written into the same lease as the equipment.
Can I finance the equipment package for a gym franchise?
Yes. Gym franchise equipment financing from American Capital Group covers the full equipment list a franchisor specifies, from cardio and strength lines to bikes, rowers, reformers, turf, flooring and heart-rate systems, for the first unit or the fifth. Most packages are approved on an application alone, with no financial statements up to $150,000, and larger buildouts are quoted on a short financial package.
Can I finance boutique studio equipment like reformers, bikes and rowers?
Yes. Pilates reformers, indoor cycling bikes, rowing fleets, functional training rigs and the audio-visual and heart-rate systems that run the class all qualify, and they can share one lease with the flooring, mirrors and front-desk fit-out. Independent studios qualify the same way franchise units do.
Know what you need?
An application takes a few minutes and most decisions come back the same day. If you would rather see a payment first, the calculator gives you a range without asking for anything.