Finance for the Fitness Industry
Gym equipment, studio fitouts, franchise funding — CFI understands fitness businesses.
$5k – $500k
Finance range
Up to 7 years
Flexible terms
4–48 hrs
Typical approval
Fixed rates
Rate certainty
A finance partner that understands fitness
CFI Finance has helped fitness businesses across Australia — from single-studio operators and personal trainers to multi-site franchise groups. We understand the equipment, the fitout costs, and the way fitness businesses grow.
Whether you're buying gym equipment, fitting out a new studio, acquiring a franchise territory, or just need working capital to get through a quieter period — we can help.
What can you finance?
CFI offers a range of finance products suited to fitness businesses at every stage.
Gym & studio equipment
Cardio machines, strength equipment, functional rigs, flooring, sound systems — finance the equipment you need to open or upgrade.
Studio fitouts & renovations
Finance the full cost of fitting out a new location or renovating an existing space — equipment, fixtures, installation, and builder costs in one facility.
Franchise purchases
Buying into a fitness franchise — new territory or existing resale? We're the franchise finance experts and can help structure your purchase.
Franchise refurbishments
Need to meet your franchisor's refresh or refit requirements? We fund refurbishment obligations so you can preserve your cash reserves.
Vehicle finance
Mobile personal trainers, equipment delivery, or service vehicles — finance new or used vehicles from $5k to $500k with terms up to 7 years.
Working capital
Fast access to cash for marketing campaigns, seasonal dips, or unexpected costs. Unsecured loans from $10k to $50k with quick approval.
Who is this for?
Commercial gyms & fitness centres
Full-service gyms, 24/7 facilities, and large-format fitness centres
Boutique studios
Yoga, pilates, boxing, F45, CrossFit, cycling — specialist studios of all types
Franchise operators
Single-site or multi-site franchise owners opening, expanding, or refurbishing
Personal trainers
Mobile PTs and studio-based trainers investing in their own equipment or space
Wellness & recovery centres
Ice baths, saunas, recovery equipment, and wellness facility fitouts
Martial arts & combat sports
Dojos, boxing gyms, MMA facilities — mats, bags, rings, and fitout
How it works
Tell us what you need
Apply online or talk to a specialist. Tell us about your business and what you're looking to finance.
Get assessed
Our credit team reviews your application in-house. Most decisions are made within 24–48 hours.
Get funded
Once approved, funds are released to you or paid directly to your supplier. Simple.
Why choose CFI?
We understand fitness businesses
We've funded gyms, studios, and fitness franchises across Australia. We know the equipment, the fitout costs, and how fitness businesses operate.
Fast approval — hours not weeks
We make decisions in-house, not through a committee. Most applications are assessed within 24–48 hours, and many within the same day.
New business friendly
Starting a gym or studio? Most lenders will say no. CFI has helped thousands of Australians start their own business — including fitness.
Common questions
Can I finance gym equipment?
Yes. We finance all types of commercial fitness equipment — cardio machines, strength equipment, functional rigs, flooring, sound systems, and more. Finance from $5,000 to $500,000 with terms up to 7 years.
Can you fund a fitness studio fitout?
Absolutely. Not many lenders will finance a fitout because there's no tangible asset to repossess — but CFI does. We can fund the full project cost including equipment, fixtures, installation, and builder costs in a single Business Loan.
I'm buying a franchise gym — can you help?
Yes — we're the franchise finance experts. Whether you're buying a new franchise territory or an existing franchise resale, CFI can help structure a finance package that works. We work with franchise operators across Australia.
Do I need to be an established business?
No. CFI has helped thousands of people start their own business. If you're opening a new gym or studio, we can work with you — especially if you have relevant industry experience or are buying into a franchise with a proven model.
What do I need to apply?
Australian Business Number (ABN), be an australian resident or permanent visa holder, and a quote or invoice for what you're looking to finance. We'll guide you through anything else we need — it's a straightforward process.
More questions? See our full FAQ or get in touch.
Ready to talk about your fitness business?
Get a quote or talk to a CFI Finance Specialist about your equipment, fitout, or franchise finance needs.