Finance question
Can I finance a gym fit-out?
Yes. A gym fit-out can be financed up to $500,000, with the flooring, mirrors, rig and cardio and strength equipment funded together in one facility, often low-doc and repaid over a term as the gym takes members. You do not need to own the space, as the equipment and build secure the loan.
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The short answer
Kit out the floor and pay as members join
A gym is equipment-heavy, and most of the spend, rigs, racks, plates, cardio machines, flooring and mirrors, lands before your first member walks in. Financing lets you fund the whole floor together up to $500,000 and repay it over a term, so the fit-out is paid off as memberships build rather than in one hit that ties up your capital before you have any revenue.
The equipment is strong security, which helps approvals. Gym gear holds value, so lenders are comfortable securing against it, and many deals run low-doc or no-doc with approvals inside 24 to 48 hours. That keeps the build on track for opening and lets you lock in equipment orders before prices or lead times move.
Ventas is a broker across 40+ lenders, not a single bank with one policy. We match your concept, whether it is a boutique studio or a 24-hour club, and your paperwork to the lender most likely to fund it, subject to lender assessment. There is no upfront fee to you; the lender pays us on settlement, so our job is simply to get the deal approved well.
Do you qualify?
What a gym fit-out deal usually needs.
Gym equipment
Rigs, racks, cardio and strength gear to secure the loan.
Floor and fit-out
Flooring, mirrors and the studio build.
An active ABN
Sole traders and companies both qualify.
Low-doc friendly
Many deals settle without full financials.
Why gym fit-outs finance well
Gear holds value
Equipment that keeps its value makes strong security for lenders.
One facility
Machines and build funded together instead of piecemeal.
Cash for launch
Keep capital for marketing and staff, not the fit-out.
A real example
A studio owner needs $130,000 for a rig, dumbbells, cardio machines and rubber flooring. Rather than pay cash, the fit-out is financed low-doc, approved inside 48 hours and repaid over a term as members sign on. The equipment and flooring went into the one facility, keeping cash free for the launch. Illustrative only.
Common questions
Frequently asked questions
Can I fund both gear and the build?
Yes. Equipment and the fit-out can be financed together up to $500,000 in one facility.
Do I need to own the space?
No. Leaseholders can finance a gym fit-out; the equipment and build secure the loan.
Can I include used equipment?
Often yes. Many lenders finance quality used gym gear as well as new, subject to lender assessment.
How fast is approval?
Many fit-out and equipment deals are approved within 24 to 48 hours.