Funding for Gyms & Fitness Centers

Anything your gym needs. Owners use Monera funding to replace and add equipment, renovate locker rooms and training floors, staff up for the January rush, open a second location, run marketing campaigns, and carry payroll through the slow summer months. You apply once and we match you to the funding you qualify for.

Funding generally ranges from $10,000 to $500,000. The amount you qualify for depends mostly on your monthly revenue and how long you've been operating, not on a single credit score.

Yes. Equipment financing covers cardio machines, strength equipment, and recovery gear, with terms up to 60 months and the equipment serving as collateral. Many owners bundle equipment into a working capital loan instead, especially when the purchase comes with delivery, installation, or flooring work around it.

Approval typically comes within 4 to 8 hours, with funds following shortly after. A down treadmill row or a broken cable stack is the first thing members notice, so speed is usually the whole point of the request.

No, it's how the industry works. The New Year surge means staffing and equipment spend land before the dues catch up, and summer softens while rent and payroll keep running. We look at what your gym produces across the year, and revenue-based options can flex repayment down in slower months.

Industry benchmarking from the Health & Fitness Association shows fitness operators retain about two-thirds of their members in a year, so turnover is normal, not a red flag. A bank reading month-to-month statements can mistake that churn for decline. We look at the whole revenue picture instead.

Yes. We fund franchisee-owned gyms all the time, and the funding is independent of your franchisor. Owners often use it for the remodel and equipment-refresh cycles franchise agreements set on the brand's schedule, which have a way of arriving before the cash to pay for them.

Not yet, and it's better to say so plainly. We fund operating businesses: at least 6 months in business and $10,000 or more in monthly revenue. Most funding searches in fitness come from people planning a first gym, and that stage needs startup capital, which is a different product than the working capital we provide. Once you're open and generating revenue, we'd genuinely like to talk.

No. We fund your business, not your customers. Membership billing and payment plans for members are a different product entirely. Our funding goes to the gym itself, for equipment, staff, space, and growth.

Yes, and it's measurable. The Health & Fitness Association reported 81 million Americans belonged to a gym, studio, or other fitness facility in 2025, an all-time high and a 5.2% increase from 2024, with an estimated 7 billion visits surpassing the pre-pandemic peak. Growth is real, but it arrives as wear on your floor and pressure to reinvest, which is exactly what funding is for.

No. Checking what you qualify for uses a soft credit pull that won't affect your score, and there's no obligation to move forward.

Yes. We fund yoga and Pilates studios, martial arts schools, boutique class studios, personal training businesses, and wellness centers. See our Fitness & Wellness page for the full picture.