Industries we fund · Gyms & Fitness Studios
Working capital for gym businesses
Membership revenue is the best kind of revenue - until equipment ages, a franchise refresh comes due, or January capacity means turning people away.
Clearwater places gym files with funding partners that already know the industry: $10K to $2M, sized off your real bank deposits, with no hard credit pull to apply. Searching for gym business loans? What we place is revenue-based funding - an advance repaid out of daily deposits - and this page explains exactly how it prices so you can compare honestly.
How funders read a gym file
Funders love membership books: recurring ACH billing landing on the 1st and 15th is the most predictable deposit pattern in small business. Churn is the counterweight - a book showing flat or growing membership deposits across four months prices near the top of the band. Class-based studios with package sales read slightly lumpier but still strong. January-May is the natural application window: trailing months capture the new-year lift.
What gym businesses use the capital for
- Equipment refresh or expansion
- Buildout for classes or recovery rooms
- Franchise-mandated remodels
- Marketing pushes ahead of January
What the numbers look like
Most files support roughly half to 1.4 times monthly bank deposits - where a file lands depends on deposit consistency, time in business, and existing positions. As an illustration only: a gym business depositing $50,000 a month might see an advance around $45,000, repaid as about $283 per business day until a fixed $59,400 is paid. The total is fixed on day one - it never compounds or grows - and most deals carry prepayment discounts, shown with your offer.
| Advance range | $10,000 - $2,000,000 |
| Monthly revenue floor | $10,000 in business deposits |
| Time in business | 6+ months |
| Credit | Cash flow weighs more - scores from 450 workable |
| To apply | No hard credit pull. 4 months of statements + month to date |
Gyms & Fitness Studios funding questions
Why do funders like gyms?
Recurring membership billing. Predictable ACH deposits twice a month are exactly the revenue shape advances are priced on.
My revenue dips in summer. Problem?
It is the industry pattern and funders know it. Four trailing months tell the story; a normal summer dip with a strong book behind it prices fine.
Can a franchise location apply or does corporate?
The operating entity that banks the revenue applies - for franchisees, that is you. Franchise remodel mandates are one of the most common uses we see.
See your number, not a sales pitch
Two minutes, no hard credit pull, and the estimate is sized off your real deposits.
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