Gym & Fitness Studio FundingOutfit the floor before the memberships catch up
The new equipment, the build-out, and another trainer are due now. Memberships bill monthly, and the January surge hasn't fully landed yet.
Gym, boutique studio, or training space, we read your recurring membership deposits and bank activity, not just your credit. Steady dues are exactly what we look at.
About 2 minutes · no credit check · no obligation.
- Recurring membership revenue counts
- Gyms, studios & training spaces
- Steady dues are the strength here
You may qualify. Approval depends on underwriting. No obligation to accept an offer.
What happens after you check
- Reviewed on revenue & bank activity
- Share 3 months of statements if it looks viable
- A specialist follows up, no obligation
Sound familiar?
The floor needs gear now. Dues come in a month at a time.
A studio's revenue is steady but spread out, while the moves that grow it, equipment, space, trainers, all want cash up front. Here's where that shows.
The racks and machines that fill more classes are due now, but membership dues only land a month at a time.
With capital in place, you outfit the floor up front and grow into the recurring revenue instead of waiting to save up.
A build-out or a second studio would lift capacity, but the construction drains the cash the current floor runs on.
With working capital ready, you expand without starving the location already paying the bills.
Hiring and keeping good trainers means payroll before the new classes they run are fully booked.
With a cushion in place, you bring on coaches ahead of demand instead of capping your schedule on staffing.
You may qualify on your recurring membership deposits and bank activity, seasonal swings included. No obligation, and any payments are built to fit your cash flow.
60-second funding check
See how much capital your business could put to work.
A few quick questions. No credit check. You get a quick read on your funding strength, plus the smartest next move.
Not a commitment to lend or a bank loan. Approval depends on underwriting and is not guaranteed. Full disclosures.
You are not the only one
The cash-flow gap is normal. It is not a verdict on your business.
The squeeze between money out and money in is one of the most common pressures in small business, and research from the Federal Reserve and the JPMorgan Chase Institute shows how widespread it is.
- 27 days
- Median cash buffer the typical small business keeps in reserve, the cushion a slow stretch can swallow fast.Source: JPMorgan Chase Institute
- 1 in 4
- Small businesses hold fewer than 13 days of cash on hand.Source: JPMorgan Chase Institute
- 56%
- Of firms that sought financing needed it just to cover operating expenses, not to expand.Source: Federal Reserve, 2024 Small Business Credit Survey
- Only 41%
- Of businesses that applied for financing received the full amount they asked for.Source: Federal Reserve, 2024 Small Business Credit Survey
- Secure submission
- Reviewed by a specialist
- Revenue-first review
- No obligation
Funding optionsOne conversation. The option that fits how you get paid.
The right funding depends on what the money is for and how the cash comes in. A specialist reads your file and matches you to the fit, usually starting here.
Revenue-Based Funding
Most popularBest for covering a gap or moving on an opportunity fast.
Funding based on your revenue, not credit alone. It is a purchase of a set amount of your future receivables, not a loan, repaid as a small automatic share of deposits so it flexes with a slow week. A factor rate sets one total payback amount up front; it is not an APR.
Business Line of Credit
Best when the need keeps coming back.
A revolving limit you draw on when you need it and pay down when you don't, so you only pay for what you draw. Useful when the need is recurring rather than one-time.
HELOC
Best with 650+ credit and equity in your real estate.
A line against your property's equity, often funded within a day. You get an indicative number up front; final terms confirm against your equity and title. Speed is the draw.
Term Loan
Best for a one-time use with a predictable monthly payment.
A real business loan with a fixed payment over a set term. Because it is a true loan, an APR is the right measure here (unlike revenue-based funding), and there is no prepayment penalty.
SBA Loan
Best for strong profiles on an unhurried timeline.
Bank-funded term financing with the longest terms. As a real loan it carries an APR. It requires tax returns and more patience, so shorter bridge funding can carry you while it processes.
Equipment Financing
Best when you're buying equipment, new or used.
The equipment itself is the collateral, so it is often easier to qualify for. Possible tax write-offs may apply — confirm with a CPA.
Bridge Funding
Best when you need capital now while a slower loan is in process.
Short-term funding that puts cash to work today and can be cashed out when your term loan or SBA funds.
Invoice Factoring
Best when cash is stuck in unpaid invoices.
Turn outstanding invoices into cash now instead of waiting on net-30 or net-60. Funding is advanced against your receivables or a specific asset.
Revenue-Based Funding
Best for covering a gap or moving on an opportunity fast.
Funding based on your revenue, not credit alone. It is a purchase of a set amount of your future receivables, not a loan, repaid as a small automatic share of deposits so it flexes with a slow week. A factor rate sets one total payback amount up front; it is not an APR.
A common alternative: Equipment Financing. Best when you're buying equipment, new or used.
A funding specialist reads your file and matches the option that fits how you get paid. FundVella is not a lender; you may qualify, approval depends on underwriting, and there’s no obligation to accept an offer.
FundVella is not a lender. We connect you with specialists who review your file and match available options. Revenue-based funding uses a factor rate, not an APR (term loans and SBA loans are different and carry an APR). You may qualify; approval depends on underwriting, payments must fit your cash flow, and there's no obligation to accept.
How it worksThree steps, no surprises
- 1
Complete a quick prequalification
Answer a few questions about your business. About two minutes, no obligation.
- 2
Share recent bank statements if the file looks viable
If the basics line up, share 3 months of business bank statements for a proper review.
- 3
Review available options if underwriting supports the file
A funding specialist may contact you to review options. Approval depends on underwriting.
What owners like you fundReal funding ranges for your trade
$25,000 to $100,000
Equipment, racks, and machines
to fill more classes
$50,000 to $250,000
Build-out or a second studio
when you are ready to grow
$25,000 to $75,000
Trainers and a marketing push
ahead of the peak-season surge
Illustrative funding ranges, not an offer or a guarantee. Most files land from $25,000 into the six figures, and larger files reach $5 million, depending on underwriting.
Is this a fit?Good fit vs. may need a closer look
A “may need review” doesn't mean no, it just means a specialist will look closer.
Often a good fit
May need review
- Time open
- 6+ months of memberships
- Time open
- Just opened / under 3 months
- Monthly deposits
- Steady recurring dues
- Monthly deposits
- Thin or one-time revenue
- Bank activity
- Holds between billing cycles
- Bank activity
- Frequent NSFs / negative days
- Existing advances
- None or one manageable
- Existing advances
- Multiple stacked advances
- Statements
- 3 months ready
- Statements
- Can't share statements
Questions and plain-English terms
Everything you might ask
Most of my revenue is memberships. Does that help?
Yes. Steady recurring dues are exactly the predictable cash flow the review looks for, alongside your bank activity.
Can I fund equipment or a build-out?
Yes. Both are common uses, and equipment can be financed against itself as collateral. Amounts depend on underwriting.
My credit is not great. Can I apply?
Yes. The review weighs revenue and bank activity, not credit alone. Approval depends on underwriting.
Most of my revenue is recurring memberships, does that help?
Yes. Steady, recurring membership deposits are exactly the kind of predictable cash flow a revenue-based review looks for. Underwriting reads your deposit pattern alongside your bank activity.
Can I fund equipment or a build-out?
Yes, equipment and floor build-outs are common uses, and equipment can also be financed against itself as collateral. Amounts depend on underwriting and your deposit history.
How much funding could my business qualify for?
It depends on underwriting, amounts are based on your revenue, bank activity, time in business, and existing obligations. A specialist reviews your file to find a range.
What do I need to get started?
Just a quick prequalification. If the file looks viable, recent business bank statements (usually 3 months) help move it forward.
Will checking my readiness affect my credit?
Starting a prequalification doesn't trigger a hard credit check. Options are reviewed mainly on business revenue and bank activity; credit is considered, but it isn't the only factor.
Is there any obligation?
None. Submitting your information doesn't obligate you to accept an offer, and any payments must fit your cash flow. A specialist may contact you to review your inquiry.
Words you might hear
- Recurring dues
- The monthly membership payments that make up your steady income.
- Churn
- The members who cancel in a given month, normal in any gym.
- Factor rate
- One set price for the funding. It is not an APR. You know the full payback up front.
The gap will not close on its own
Take the 2-minute check and see where your cash runs short.