Business loans for gyms & fitness
January fills your gym.
July empties your account.
Finance for Australian gyms, studios, and fitness businesses managing the capital cost of equipment, the volatility of membership revenue, and the seasonal swings that define the industry.
Apply now
2 minutes · No credit check · Free
Overview
Why fitness businesses choose Avoir
The fitness industry runs on two truths that work against each other: members join in January and quit by March, and equipment needs to be maintained and upgraded year-round regardless. Your commercial treadmill fleet has a lifecycle. Your reformers need servicing. Your changeroom fit-out ages faster than your lease. Meanwhile membership revenue is seasonal, direct debit cancellations spike every June, and the studio down the road just installed a new rig that's pulling your PT clients. Capital investment in a fitness business isn't optional — it's how you stay competitive. Avoir connects Australian fitness businesses to lenders who understand the industry's unique revenue profile and equipment-heavy cost structure.
Membership-based revenue looks predictable until you account for churn, seasonal attrition, and the reality that your best trading month requires the most front-loaded investment. New year campaigns, promotional offers, and group class schedules all require capital before the memberships that fund them are sold. Lenders in Avoir's network assess fitness businesses on their revenue trajectory and trading patterns — not just their quietest month's bank statement. Whether you're a gym owner replacing a cardio floor, a yoga studio fitting out a new space, or a PT business investing in equipment for a new facility, a specialist will review your situation and advise on available options.
Key features
Equipment purchases
Fund cardio machines, free weights, resistance equipment, and commercial fitness technology without depleting operating cash.
Studio fit-outs
Fit out a new studio, refurbish existing facilities, or add new training areas. Fast approval means you can move when opportunities arise.
Seasonal cash flow
Bridge quiet periods, cover payroll during membership dips, and prepare for peak season marketing campaigns.
All fitness formats
Traditional gyms, CrossFit, yoga, Pilates, personal training studios, martial arts, dance studios, and allied fitness businesses eligible.
Eligibility
Do I qualify?
Gyms, fitness studios, personal training businesses, and health and wellness operators with 12+ months of trading history are typically eligible to apply. Seasonal revenue profiles — strong Q1, slower winter months — are understood and accommodated. A specialist will assess your specific situation.
Process
How it works
Apply in 2 minutes
Complete our short online form with basic details about your business and what you need. No credit check, no documents required at this stage.
We match your profile
Your enquiry is assessed and matched to the most suitable lending partners in our network based on your business profile, loan amount, and purpose.
Receive your offer
A specialist contacts you within 2 hours with tailored options. They will walk you through available terms and answer any questions.
Funds in your account
Once you accept an offer and provide the lender's required documentation, funds are typically transferred within 24 hours.
FAQ
Common questions
Everything you need to know about getting a business loan. Can't find the answer you're looking for? Apply and a specialist will answer your questions directly.
Apply now →Can a gym or fitness studio get an unsecured loan?
Yes. Fitness businesses with consistent membership revenue and 12+ months trading are eligible for unsecured business loans.
Can I use a loan to buy gym equipment?
Yes. Equipment purchase is one of the most common uses for fitness business loans in our network.
Can a sole trader personal trainer apply?
Yes. Personal trainers with an ABN, consistent client revenue, and 12+ months of trading are eligible to apply.
How much can a gym borrow unsecured?
Between $10,000 and $500,000 depending on your annual membership and service revenue.
Can I get a loan to open a new studio location?
Yes. Expansion finance for new fitness studio locations is available through our lending network.
Do franchise gyms qualify?
Yes. Franchise fitness businesses are eligible. Lenders assess the franchisee's trading history and cash flow independently.
Ready to apply?
Don't let an equipment gap cost you members.
Two minutes to apply. No credit check. A specialist will be in touch within two hours.
NO COLLATERAL
NO CREDIT CHECK
2 MIN APPLICATION