Commercial Financing
Commercial Financing and Leasing Program - Flexible Capital From Equinox Funding
At Repetition Fitness, we don’t just design world-class gyms—we help you fund them. We are proud to announce our official partnership with Equinox Funding, a leader in commercial finance.
Through this partnership, we provide our clients with a seamless, "turnkey" experience. While we handle the 3D designs and equipment selection, Equinox Funding provides the aggressive, flexible capital needed to bring those designs to life.
Our partnership allows us to offer four distinct funding paths to suit your specific project needs:
Why This Partnership Works for You
As former athletes and trainers, the Repetition Fitness team knows that a gym is only as good as the equipment inside it. By partnering with Equinox Funding, we ensure that our creative designs are backed by the financial power to make them a reality.
-
Streamlined Process: Design and financing conversations happen under one roof.
-
Industry-Specific Terms: Equinox understands the lifecycle and value of fitness equipment.
-
Start-Up Friendly: We specialize in helping new facilities get off the ground with aggressive entry-level programs.
- Fast Approval: Get approved within 24 hours with fast access to the funding team.
Who This Financing Is For
This program applies across every market we serve:
Frequently Asked Questions
What is commercial gym equipment financing? It's a way to acquire gym equipment — cardio, strength, and functional systems — through a loan or lease structure instead of paying the full cost upfront, preserving cash for other opening or operating costs.
What's the difference between financing and leasing gym equipment? Financing (an equipment loan) means you own the equipment from the start and build equity as you pay it down. Leasing means you pay for use over a term, often with an end-of-term option to purchase, upgrade, or return the equipment.
Can a new gym or studio qualify for financing? Often, yes — start-up-friendly programs typically weigh the business plan and projected use more heavily than years in business, though requirements vary by lender and program.
What documentation is typically needed to apply?
For Established Gym Owners (2+ Years in Business)
Established fitness businesses with documented revenue typically qualify for the best lease rates and terms. Requirements include a completed application, last two years of business tax returns, equipment quotes or invoices, and proof of business location. Down payments of 0-10% are common for operators with strong financials, and credit scores in the 650+ range typically qualify.
For Newer Fitness Businesses (6-24 Months)
Gyms and studios in their first two years can qualify based on membership revenue trajectory, personal credit history, and industry experience. Lenders understand the ramp-up period and evaluate what your revenue will look like at month 18, not just what it looks like today. Some additional documentation may be required, including a business plan and membership projections.
For Startup Gyms and First-Time Owners
This is where equipment leasing truly separates itself from bank loans. First-time gym owners and personal trainers opening their first studio qualify based on fitness industry certifications (NASM, ACE, ACSM, CrossFit Level 1/2), personal credit history, realistic business plan and membership projections, and equipment collateral value. A 10-20% down payment often helps strengthen the application. Many first-time owners who were declined by banks are approved for equipment leasing within 48 hours.
Credit Score Guidelines
- 700+: Best rates, zero-down programs available
- 660-700: Standard programs, competitive rates
- 620-660: Approval possible, modest down payment may be required
- Below 620: Approval possible with larger down payment and strong industry experience
Documentation Typically Required
- Completed equipment leasing application
- Personal and business tax returns (if applicable)
- Equipment quotes or invoices
- Business plan with membership projections (startups)
- Lease agreement or proof of location
- Fitness certifications or credentials (helpful for first-time owners)
Does financing cover design and installation, or just the equipment itself?
Financing covers physical products such as gym equipment, sometimes services (like installation) depending on specific structures. Gym design typically isn't included.
How long does approval take? Approval can happen as fast as 24 hours with the right documentation.
Fuel Your Reps. Fund Your Vision.
Ready to see what you qualify for? Click the link below to start your application through our dedicated portal at Equinox Funding.
[Apply Now Through Equinox Funding Below]
Need a design consultation before you apply?