What we finance, and who funds it
We arrange gym equipment financing through major Canadian banks and specialised leasing institutions, covering full cardio equipment lines, strength and selectorized machines, functional training rigs, and complete studio and boutique fit-outs. New equipment from a distributor and quality used or remanufactured commercial equipment both qualify, and an entire fit-out can be structured as one financing with one payment, rather than separate arrangements for cardio, strength and flooring. Franchise operators opening under a banner and independent owners building a concept from scratch are both profiles our lenders see regularly, and startup structures exist for first locations.
Commercial fitness equipment wears on a schedule
Commercial fitness equipment also wears on a schedule. Treadmills and ellipticals in a busy club accumulate hours fast, and members notice tired equipment before owners do; worn cardio is one of the most common reasons cited for switching gyms. A lease structure matched to the refresh cycle keeps the floor current, with the old line returned or sold as the new one arrives, and a predictable payment in place of periodic capital shocks. Boutique studios refreshing their concept follow the same pattern on a faster cycle.
Keeping cash for what builds membership
Financing also keeps cash free for what actually builds membership: marketing, staff and the leasehold itself. A gym that spends its whole raise on equipment opens with a silent front desk. Established operators adding a second location can use sale-leaseback on the first location's equipment to fund the expansion. Applications above $250,000 require financial statements, and we tell you what the lender file needs before anything goes in. Lease comes down to refresh plans and tax treatment. Tell us the floor plan, and we come back with terms.
Sports and recreation equipment financing
The same programs cover recreation facilities that are not gyms. Municipal and community sports complexes, indoor courts and turf facilities, climbing walls, arena fit-outs and playground installations are all equipment purchases with the same shape as a fitness floor: a large one-time cost that has to be in place before a single user arrives, serving demand that then repeats for years. Recreation operators often work to a budget cycle rather than a sales cycle, and payment structures can be set to land inside an approved fiscal year. New and quality refurbished equipment both qualify, and a full facility fit-out can be financed as one package.
