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How Gym Equipment Finance and Leasing Can Work for You
Fitness equipment comes in all shapes and sizes, but one thing all gym equipment has in common is cost. Purchasing fitness equipment outright can be an incredibly expensive prospect, especially if you’re buying a wide range of machinery for your fitness center. Fortunately, business owners can finance or lease gym equipment to get the gym furnishings they need without breaking the bank.
Gym Equipment Finance Options for Everyone
- Get the fitness machines you need to stock your gym and fitness coaching business
- Offer employees a place to work out at lunch or after work with an office gym

Enjoy Potential Tax Savings
- Use the Section 179 deduction to deduct 100% of your loan payments when you finance workout equipment
- Or, choose to expense 100% of depreciation during the term of your lease instead of the life of the equipment.
Maintain Cash Flow
- Finance 100% of your gym equipment to avoid down payments that can clear out business savings.
- Set payments allow you to plan expenses so you can maintain working capital throughout the year
New or Used Gym Equipment
- Upgrade your gym’s equipment to newer models with integrated technology
- Purchase used fitness equipment at a fraction of the cost of new
Gym Equipment Financing Details
For a fitness center to be successful, you need to offer a variety of workout machines and fitness equipment. The costs to purchase new equipment or upgrade worn out devices can quickly deplete your savings. When you lease gym equipment, you get the equipment sets you want without the high cost of buying outright. At National Funding, we offer gym equipment financing on up to $150,000 of equipment.
National Funding is a leader in gym equipment finance with low monthly payments and multiple loans and lease options.
Qualifications for Equipment Financing and Leasing
6 months
in business
FICO score
over 575
Equipment quote
from a vendor
How to Apply
Applying to lease fitness equipment is easy. As long as you have a quote from an equipment vendor, FICO score over 575 and have been in business for 6+ months, we can help you get started applying for financing.
Why National Funding?
When looking for gym equipment leasing companies, you want to know you’re working with a lender that understands your business. At National Funding, we know that having the best fitness equipment can help your gym succeed. Our dedicated Loan Specialists work with you to prepare a customized gym equipment finance solution that fits your business goals and needs.
We Know Gym and Fitness Businesses
Experience supporting business owners across multiple industries.Trusted by Businesses Like Yours
Over $3 billion in funding to more than 50,000 businesses nationwidePersonalized Experience
Lending solutions and payment options tailored to your specific needsFast & Easy Application Process
No-cost, no-obligation application with funding in as few as 24 hoursLoan Specialists Who Care
Experienced Loan Specialists help you make the right decisionPreserve Cash
Hold on to more of your hard-earned cash for use in other parts of the businessRatings & Reviews
As a leader in the gym equipment loan and leasing industry, we’ve helped gym owners nationwide get the equipment they need.
Disclosures
Legal Disclosures
True to our mission, we encourage you to read the following policies and learn how they affect you as a client.
(1) 24 hours:
Fast approvals and 24 hour funding subject to receipt of required documentation, underwriting guidelines, and processing time by your bank. Funds are deposited into your business checking account as soon as the next business day after approval and acceptance of terms.
(2) Early payoff discounts:
National Funding offers special opportunities for its customers to terminate contracts early and receive a discount in the process. Equipment Finance customers who pay off the total remaining balance early, at any point during the contract, will automatically receive a 6% discount off the total remaining balance. Working Capital customers who pay off the total remaining balance in full within the first 100 days of the contract will automatically receive a 7% discount off the total remaining balance. We do not currently offer a discount on our lease contracts. Customers must pay off the balance in full, be current, and in good standing to take advantage of the discount within the time parameters.
(3) Automatic payments:
Loan payments are withdrawn via Automatic Clearing House (ACH) Monday through Friday excluding bank holidays.
(4) Wide variety of payment options:
- Equipment Financing: payments are remitted monthly with terms of 2-5 years
- Working Capital Loan: payments can be remitted daily or weekly with terms of 4 months up to 24 months
(5) Potential Tax Savings:
The Section 179 Tax Deduction allows businesses to deduct the full purchase price of qualifying equipment and/or software purchased or financed during the tax year. Meaning, if you buy (or lease) a piece of qualifying equipment, you can deduct 100% of the purchase price from your gross income. You can secure the equipment, tools, and technology you need, while also taking advantage of significant tax deductions - up to $1,000,000. Consult your tax professional for more details.
(6) Guaranteed lowest payment:
Pursuant to the terms and conditions specified in these Rules and Restrictions of the Guaranteed Lowest Payment, National Funding guarantees to provide the lowest payment on equipment leased through National Funding, for lease terms from 24 to 60 months, or to pay $1000 towards qualifying executed leases. Lease payment comparisons must be based on a lease in excess of $10,000, for approved equipment, and with the same terms and conditions as those offered by National Funding within seven days that the National Funding terms are issued. To be eligible, customers must provide a competitive lease quote without contingencies, and vendor invoice, and in the name of the lessee within seven calendar days of the date National Funding issues its terms. Guarantee only valid on competitive equipment leases. Equipment finance agreements do not qualify.
In the event that the monthly lease payment amount from the competing lease company or bank is lower than the monthly payment that is being offered by National Funding for the same equipment and pursuant to the same terms, National Funding will verify the validity and accuracy of the competing leasing company’s or bank’s payment options, terms and the vendor quote. National Funding has the option, in its sole discretion, to either beat the competing leasing company’s or bank’s monthly payment rate, or pay $1000 to the lessee. The lessee must provide National Funding with the competing company’s or bank’s signed lease agreement with payment terms/options, and take delivery of the equipment. Payments will be made within 30 days, and lessee is responsible for any taxes.
The Guaranteed Lowest Payment is available to both new and established customers of National Funding. This offer is valid for new lease applications only. The Guaranteed Lowest Payment is not retroactive — a previously funded equipment lease with National Funding is not eligible for the Guaranteed Lowest Payment. Only non-contingent offers of lease terms and payment are eligible. Offers made to lessee that include subsidization by manufacturers and/or vendors will not be considered in comparing competing offers.
The Guaranteed Lowest Payment may be discontinued at any time without notice.
To participate in the Guaranteed Lowest Payment program, if you have a lease agreement and vendor quote which you believe will qualify for the program, contact your National Funding Lease Manager.
(7) Terms and Conditions apply:
This is not a guaranteed offer of credit. Loans subject to lender approval. Approval amount is based on eligibility determined by information obtained from Dun & Bradstreet. Actual eligibility may vary. Restrictions may apply. Application is subject to approval by the lender and is based on factors such as business type, time in business, annual sales, average bank balances, personal credit and other variables deemed relevant by the lender.