Home / Industries / Fitness & wellness
Fitness & wellness funding
Funding for gyms and studios built on recurring members.
An established gym or studio has recurring membership revenue, which gives a lender something predictable to underwrite. It also has big upfront costs: equipment, build-outs and new locations. Bayside is a Miami-based capital advisory firm. We compare equipment financing, term loans, SBA loans and lines of credit for fitness and wellness operators, and show you the real cost of each.
Boutique fitness studios · gyms and health clubs · multi-studio operators · physical therapy and rehab practices
Where the cash gets stuck
Recurring revenue. Lumpy costs.
Equipment is the biggest line item
Racks, cardio and specialty equipment can cost as much as the space, and it wears out on a schedule.
Build-outs before members
A new studio pays rent, contractors and staff before the first membership bills.
Sign-ups rise and fall
Membership revenue moves through the year. Payments sized for the best month squeeze the slow ones.
Lenders read the deposits
Lenders underwrite what lands in your bank account. Clean, steady recurring billing makes a stronger file than a strong month.
Funding options
Funding sized to the next studio, not the next month.
We compare options across a network of independent funding partners and explain which ones fit your situation, not just what is easiest to sell.
Equipment financing
Finance a full equipment package or a refresh, with the equipment as collateral, so cash stays in the business.
Compare options → 02Term loans & SBA
Fixed payments for a build-out, a new location or buying an existing studio. Slower to close, and usually cheaper than short-term options when the file supports it.
Compare options → 03Business line of credit
A standby line for the ramp-up months of a new location, or the slow stretch of the year.
Compare options → 04MCA consolidation
Carrying an MCA from a past expansion? We look at whether a term structure can replace it before you take on the next one.
Compare options →Our focus is established operators with a real project: a build-out, a full equipment package or another location.
Before you apply
What a strong fitness file looks like.
Bring these and we can show you what lenders will realistically offer, and what each option costs.
Meet your funding advisors- Two or more years operating, with business bank statements that show the membership deposits.
- Your membership count and billing mix: monthly, annual and class packs.
- The lease, the contractor bid and a budget, if you are building out a new space.
- Quotes for the equipment, if you are financing equipment.
- A list of any loans or MCAs outstanding, with balances and payments.
Who we work with
Built for established operators.
Bayside works with established businesses, usually with at least two years in business, around $40K or more in monthly revenue, and a funding need of $100K or more. What each lender requires depends on the product.
You may be a strong fit if you run:
- Boutique studios adding a location
- Gyms and health clubs funding a renovation or equipment refresh
- Multi-studio operators
- Physical therapy and rehab practices
How it works
Simple. Transparent. Built around your numbers.
Tell us about your business and goals
A short call to understand the business, the project and the timeline. Then we tell you exactly what underwriters will want to see.
Get your free Capital Strategy Report
Every option you qualify for, what each really costs, and a straight recommendation. It takes a short application and 3–4 months of business bank statements.
Move forward with the option that fits
You choose the structure. We package the file, work it with the lenders, and stay with you after it closes.
Bayside acts as a commercial lending broker and capital advisory partner, connecting you with approved commercial funding providers. All funding is subject to lender review and qualification.
Quick questions
Fitness & wellness funding, answered.
Can I finance a full equipment package for a new studio?
Yes, when the business behind it is established. The equipment is the collateral, and lenders still look at time in business, revenue and credit. A brand-new studio with no operating history is outside what we do.
Does recurring membership revenue help?
It helps a lender see predictable cash flow in your bank statements. Lenders still underwrite on what is deposited, not on the contracts alone.
Do you work with physical therapy and rehab practices?
Yes, when the practice is established and the funding need is $100K or more. Insurance-billed and cash-pay practices are underwritten differently, and we take that into account when we match the file to lenders.
Do you work with businesses outside Miami?
Yes. We are based in Miami and focused on South Florida, and our lender network serves qualified businesses nationwide.
Find out what you actually qualify for.
A short application and 3–4 months of business bank statements. Within 24–48 hours, your Capital Strategy Report shows every option you qualify for and what each really costs.
Bayside Business Advisors LLC Copyright © | All Rights Reserved 2026
Bayside Business Advisors is a commercial finance brokerage and capital advisory firm based in Miami, Florida; not a direct lender. We help established businesses across South Florida explore commercial financing through a network of independent funding partners. Funding approvals, amounts, rates, and timelines are subject to lender review and qualification. Results described on this page are not guaranteed and may vary based on individual business circumstances, creditworthiness, and lender requirements. Bayside Business Advisors LLC does not charge upfront fees. All funding is subject to underwriting and lender approval. This page does not constitute a commitment to lend.