Can a full gym floor be financed at once?

Yes. Cardio, strength, and functional equipment can be financed on one project quote and valued as a package. The overall structure is determined during underwriting and approval.

Can delivery and assembly be included?

Yes. Delivery, assembly, and floor layout can often be included as soft costs when they appear on the same project quote. Inclusion is determined during underwriting.

Can flooring and turf be financed with the equipment?

Flooring, turf, and mirrors can sometimes be included as soft costs when they appear on the same project quote. Inclusion is determined during underwriting and approval.

Equipment Financing

Commercial Fitness Equipment Financing

Direct answer

RCR International Finance LLC finances commercial fitness equipment for gyms, studios, hotels, and corporate wellness centers, including cardio machines, strength systems, and functional training gear. Funding can cover a new facility buildout or a floor refresh through an equipment loan or lease, often using the equipment as collateral. Eligible units, terms, and any down payment are subject to underwriting and approval based on the business and the quote.

Start an Application Call +1 248-939-2646

7 to 12 years

Typical useful life

New & used

What's financed

Loan / lease

Both available

The asset

Secured by

Subject to underwriting and approval.

Reviewed by the RCR International Finance LLC team

Commercial finance specialists · Last reviewed January 2026

Written to reflect how commercial fitness equipment financing actually works and checked against our editorial & compliance standards.

?Quick answer

Plan ahead

Estimate your payment

Model a monthly payment for commercial fitness equipment before you apply.

Open the estimator

What commercial fitness equipment you can finance

A representative sample of eligible assets in this category.

Treadmills and ellipticals
Stationary and indoor cycling bikes
Selectorized strength machines
Plate-loaded strength equipment
Free weights, racks, and benches
Functional training rigs and turf
Rowing machines and stair climbers

Financing commercial fitness equipment: the basics

RCR International Finance LLC arranges commercial fitness equipment financing for businesses acquiring fitness equipment. Because the asset secures the deal, commercial fitness equipment is one of the more accessible commercial structures, and it keeps working capital free for payroll, materials, and growth. Subject to underwriting and approval.

New fitness equipment typically qualifies for longer terms and full warranties on frames and electronics, which suits high-traffic gyms. Used and remanufactured cardio and strength equipment is commonly financed and valued on condition and remaining life. Both new and used purchases are subject to underwriting and approval.

A loan builds ownership in durable equipment a gym intends to keep for years, which fits established facilities. A lease can ease the upfront cost of a full floor and bundle delivery and assembly, and refresh-friendly structures help studios update cardio on a cycle. The right structure depends on cash flow and tax planning.

Loan vs lease: which fits this asset?

Both options finance commercial fitness equipment, the right choice depends on how long you keep the asset and whether ownership or lower payments matters more.

Equipment Loan

Build ownership

You own the equipment outright at the end of the term
Builds equity in the asset as you pay it down
Best for equipment with a long, productive useful life
Payments are typically higher than a comparable lease

Equipment Lease

Lower payments, flexibility

Lower monthly payments to preserve cash flow
Flexibility to upgrade, renew, or return at term end
Best for assets you replace or upgrade often
End-of-term purchase options may be available

Soft costs you can often include

Financing frequently covers more than the sticker price, so the asset is working from day one.

Freight and delivery to the facility

Roll freight and delivery to the facility into the financed amount where the structure allows.

Assembly and floor layout

Roll assembly and floor layout into the financed amount where the structure allows.

Flooring, turf, and mirrors where included

Roll flooring, turf, and mirrors where included into the financed amount where the structure allows.

Applicable sales and use taxes

Roll applicable sales and use taxes into the financed amount where the structure allows.

Extended warranty or service contracts

Roll extended warranty or service contracts into the financed amount where the structure allows.

How equipment financing works

Select equipment

Identify the commercial fitness equipment and obtain a vendor quote with specifications.

Apply

Submit the quote with recent bank statements so underwriting can assess the asset and cash flow.

Loan or lease

Choose an ownership-building loan or a lower-payment lease, subject to approval.

Vendor payment

On approval, financing pays the vendor and you take delivery.

Documents to finance commercial fitness equipment

Signed equipment quote or project invoice
Three to six months of recent business bank statements
Most recent business tax return
Specifications: equipment list and quantities
Driver's license or government-issued ID of the owner
Completed credit application

All financing is subject to underwriting and approval. Program availability may vary, and documentation requirements depend on the financing structure.

Industries that finance commercial fitness equipment

Hospitality

Financing property acquisition or renovation

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Facility Services

Covering crew payroll against net-term contracts

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Healthcare

Financing clinical, imaging, and diagnostic equipment

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