Funding for Martial Arts Schools

Anything your school needs. Owners use Monera funding to expand mat space, launch and staff summer camps, run back-to-school enrollment campaigns, carry instructor payroll through the summer, refresh mats and gear, and open second locations. 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.

It's normal to us. Martial arts schools fill in September as families settle into routines and thin out in summer when they travel, while rent and payroll run all twelve months. We look at what the school produces across the full year, and revenue-based options can flex repayment down through the slow stretch.

Yes, and it's one of the smartest uses we see. A camp season turns your slowest months into revenue, but the staffing, marketing, insurance, and supplies all get paid before camp tuition arrives. Working capital bridges that gap, and camp enrollment then pays it down before fall.

No. Rank testing every few months means revenue arrives in waves on top of monthly tuition, and family pricing means the per-student number varies across your roster. Banks reading month-to-month statements can misread both. We look at the whole pattern instead.

Yes. A martial arts school's assets are mats, pads, and a reputation, not the hard collateral a bank's checklist wants. Our funding decisions are based on your revenue and time in business, so an asset-light school with a strong enrollment book is exactly the kind of business we fund.

No. We fund your business, not your customers. How families pay tuition is between them and your billing system. Our funding goes to the school itself, for space, staff, camps, and growth. It's not a consumer financing program.

Yes, though usually through working capital rather than a dedicated equipment loan. Mats, pads, and sparring gear are real costs but modest ones, so most owners fold them into a broader funding round that also covers the build-out or the season ahead.

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. Opening a school takes startup capital, which is a different product than the working capital we provide. Once you're teaching and generating revenue, we'd genuinely like to talk.

It depends on the roster. Most schools we fund generate $10,000 or more in monthly revenue, which typically takes a healthy enrollment across kids' and adult programs. If you're below that today, build the roster first and we're here when you cross it.

Approval typically comes within 4 to 8 hours, with funds following shortly after. In the Federal Reserve's 2025 Small Business Credit Survey, fewer than half of applicants received all the funding they asked for, and for a seasonal school waiting on a September wave, a slow no is as costly as a fast one.

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 gyms and fitness centers, yoga and Pilates studios, boxing and kickboxing gyms, and youth sports programs. See our Fitness & Wellness page for the full picture.