Fitness Equipment Financing
The strategic financing partner for gyms, studios, and fitness operators ready to grow.
Fitness equipment is expensive, it depreciates fast, and the right deal structure can mean the difference between a thriving facility and a cash flow problem. Whether you’re opening your first studio, expanding a franchise location, or refreshing aging cardio floors, United Leasing & Finance structures financing around how your fitness business actually operates. We work with independents, established franchises, startups, and equipment vendors — and we’ve been doing it for 60+ years. No bank templates. No generic terms. Financing built around your membership model, your seasonal patterns, and your growth plans.
Financing for Revenue-Producing Fitness Equipment
We finance the equipment your members pay to use — preserving working capital so you can invest in marketing, staff, and the next location.
Why Fitness Operators Choose ULF for Equipment Financing
Deep Industry Experience
With 60 years of industry experience, we are a stable business partner equipped with the knowledge and expertise to navigate complex financial landscapes.
Fitness-Specific Structures
Whether you're a multi-location franchise operator, a single-location independent, or a new studio getting off the ground, we have financing structures that work for your stage of business.
Vendor & Manufacturer Partnerships
We work directly with fitness equipment vendors and manufacturers, which means your financing can be integrated into the purchase process — not a separate conversation you have to manage on your own
Competitive Rates & Terms
Terms up to 72 months with rates that align to current market conditions — giving you the flexibility to match your payment size to your revenue model.
100% Equipment Financing
We can finance the full cost of your equipment with no large down payment required — so your capital stays available for buildout, marketing, and operations.
Fast Approvals. One Dedicated Contact
Decisions in days, not weeks. One dedicated financing representative who knows your account and can move when you need to.
Common Questions for Fitness Equipment Financing
United Leasing & Finance offers equipment finance agreements, leasing options, credit facilities, and refinancing for equipment you currently have with other lenders.
Starting the application process is easy. You can contact us directly to speak with a team member who will guide you through the necessary steps and help you gather the required documentation for a smooth and efficient application experience. If you would like to get started now, you can apply using our secure online credit application by clicking here.
Yes, we offer flexible payment options, including seasonal payments, to accommodate the unique cash flow needs of your business. Our team will work with you to design a payment plan that aligns with your business cycles and financial goals.
United Leasing & Finance will finance your business essential equipment, vehicles, and other business machinery. We provide financing for customers across a wide range of industries such as car rental, construction, manufacturing, hospitality, fitness, health and wellness, taxi and limousine, and much more! We can also finance your customers if you are a dealer or vendor that sells equipment to businesses.
The credit application lists all the items you need to provide including the following: information about the vendor or equipment supplier, business information including legal business name, Federal Tax ID (EIN), annual income, business type, address, a contact name for the person executing the lease, guarantor information, estimated equipment cost, equipment description, and equipment location.
To apply for financing with us, your business must have been operating for at least two years and have a minimum credit score of 675. You'll need to provide the most recent personal and business tax returns, personal financial statements, and business bank statements.
With most transactions, the approval process takes around 1–2 business days. We will then issue the final documentation. In most cases, the funding only takes a few days. The process can take longer depending on the availability of equipment.
Payments on your equipment finance contract begin once you have taken delivery of the equipment you purchased.