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hi@centurybusinessfinance.co.uk

    Gym Business Loans & Finance

    Fast, Flexible Finance for Gyms and Fitness Businesses

    Check If I Qualify
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    Check eligibility
    in 20 seconds

    Apply online
    in 2 mins

    Decisions in
    less than 1hr

    Borrow between
    £10,000 - £250,000

    No fees to
    settle early

     

                         

     

    Business Loans from £10,000 to £250,000 for your gym

    Running or expanding a gym requires significant upfront investment, from purchasing specialist fitness equipment to fitting out premises, hiring staff and launching marketing campaigns. Whether you’re opening a new gym, upgrading facilities or managing seasonal membership fluctuations, access to the right finance is essential to keep operations stable and growth on track.

    A gym business loan provides fast access to the capital needed to fund equipment, refurbishments, staffing and working capital without tying up personal savings or disrupting day-to-day operations. With simple applications, quick decisions and flexible repayment options, gym finance helps fitness businesses move forward with confidence.

    Gyms Image 1

    Your Fast Track To Funding

    10,000
    +

    Businesses helped

    892,000,000
    £

    Million funds sourced

    24
     hours

    Average turnaround from start to finish

    10000
    +
    Businesses helped
    892000000
    £
    Million funds sourced
    24
    hours
    Average turnaround from start to finish
    10000
    +
    businesses helped
    892000000
    £
    million funds sourced
    24
    hours
    average turnaround time from start to finish

    What Is Gym Business Finance?

    Gym business finance is a form of funding designed specifically for gym owners and fitness operators looking to launch, expand or stabilise their business. Instead of covering large costs upfront, you can borrow the amount you need and repay it over an agreed term, helping you manage investment while maintaining healthy cashflow.

    These loans are commonly used to fund cardio and strength equipment, studio fit-outs, flooring and changing facilities, technology systems, marketing campaigns and general working capital. Loan amounts typically range from £10,000 to £250,000, depending on trading history, revenue and affordability.

    How Does a Business Loan For a Gym Work?

    Our process is designed to be fast and straightforward, getting you the funding you need with minimal hassle.

    Apply in Minutes

    When applying, lenders typically request:

    • Basic business details

    • Six months of business bank statements

    • Recent year-end accounts

    • Details of how the funding will be used
      Quotes for gym equipment or refurbishment costs (if relevant)

    • Providing clear information helps lenders assess your application quickly.

    Lender Assessment

    Lenders assess factors such as:

    • Lenders evaluate key factors, including:
      Your experience operating a gym or fitness business

    • Monthly revenue and membership income

    • Cashflow consistency and affordability

    • Existing financial commitments
      Whether income is diversified (memberships, PT, classes, corporate clients)

    This ensures the funding structure aligns with your business needs and repayment capacity.

    Repayments

    Once approved, funds are released quickly so you can move forward with confidence. Repayments typically include:

    • Fixed daily, weekly or monthly payments

    • Terms ranging from 1 to 5 years

    • Unsecured or asset-linked options

    • Interest rates based on affordability and risk

    This provides predictable costs while supporting cashflow continuity across projects.

    When Should You Use Gym Business Finance?

    Gym loans are ideal when you want to invest in growth or manage cashflow without placing pressure on working capital. Common scenarios include:

    • Opening a new gym or fitness studio

    • Purchasing or upgrading gym equipment

    • Funding fit-outs, flooring or changing facilities

    • Expanding floor space or adding new studios

    • Managing seasonal dips in membership income

    • Hiring trainers or front-of-house staff

    • Investing in marketing ahead of peak periods

    These loans work best when your gym has a clear operating model and consistent revenue.

    Who Is Eligible for Gym Business Loans?

    Gym finance may be suitable if:

    • You operate a UK-registered gym or fitness business

    • Your business has at least 12 months of trading history

    • Your accounts show consistent income or membership revenue

    • You can demonstrate repayment affordability

    Both independent gyms and multi-site operators may be eligible, depending on financial performance.

    Take Your Gym Business to the Next Level with Century

    At Century Business Finance, we work with a wide panel of lenders who understand the specific needs of gym and fitness businesses. Whether you’re investing in equipment, expanding facilities or improving cashflow, we keep the process fast, simple and transparent.

    Step 1

    Check if you’re eligible in 20 Seconds

    Step 1
    Step 2

    Apply online in 2 mins

    Step 2
    Step 3

    Get your decision

    Step 3
    Step 4

    Funds paid into your bank within 24 hours

    Step 4

    What our clients say

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    “Jacob and Century have been brilliant for a number of years. Jacob has always listened to the company needs and ensured we were only matched with products that suited. I really highly recommend both the company, and, Jacob!”
    Jonathon Ison
    “The customer care was top-notch. I dealt with Jake Brown who was always on top of our needs. The service was very precise and all the formalities were sorted within a few days. Thumbs up all the way. Would definitely recommend Century Business Finance.”
    Wale Towolawi
    “No government initiative or loan has helped our business as much as Jake Brown. The service has been first class. Recovery from covid has been slow and challenging but it would have been impossible without Jake himself. He has literally saved the business! Communication has been crystal clear with finance approved and arranged on the same day. An outstanding service from a company I intend to use again and again. Thank you”
    Owl Education Ltd
    “Tom Hall has been fantastic. Within a week of exploring our options, the money was in the bank and the business kicked off. Highly recommend..”
    Mark Gill
    “Tom Hall has been very helpful and dealt with my queries and informed me of everything i need to do . Tom has managed to secured me the loan from century finance and i would definitely recommend them to every businesses.”
    Davis Sanassy
    “Joe Taplin has been so helpful from start to finish. Got regular updates about the application and did all he can to get funds available within days. Handled every task very professionally.”
    Upul Ekanayake
    “Tom has been very helpful in supporting our business needs. Only area for improvement is the level of detail in their quotations to enable a better market comparison.”
    Alan Gates
    “Joe was so helpful from start to finish of our communication. Kept me updated every step of the way & kept it very easy. Definitely recommend.”
    Nat
    “First rate service by my account manager Jake Brown, first time using Century Finance and I would use Jake again and recommend him to anyone looking for finance.”
    John Bailey
    “Exceptionally professional and quick service I would highly recommend to all my business colleagues. Many thanks especially to John Harrison who has been such a fantastic help throughout.”
    Mike Finnigan
    “I had the pleasure of dealing with Kane Murfitt and honestly cannot fault him. He stayed in regular contact throughout the process, guided me through the application and kept me fully updated. Very Happy!”
    Marlon Carrington
    “Great support from start to completion under the guidance of Jacob Bryant.Totally recommend for any business finance..”
    Justin Jones
    “I was very impressed at the speed, detail and affordability of business loans found by Century Business Finace. Jake was incredibly knowledgeable giving varied scenarios of how to ustilise their services - I've already made recommendations to my colleauges - thank you!”
    Finance Department
    “A fantastic service from the team at Century Business Finance from start to finish. It's my first time dealing with them and the service from both Max and Ben as been absolutely first class. I highly recommend Century Business Finance and will be using them again in the future when the need arises.”
    Ryan White
    “Excellent all round, I no longer waste my time trying others - Top work from my acc manager Joe Taplin”
    Dan Currey
    “A 5 star service. Very impressed with the account manager and will 100% recommend his services”
    Vincent Torku
    “As a small business at times its hard to get small amount for cashflow but dealing with Jacob Bourne has made the small business grow. What a professional Jacob is and it was so efficient that i will not hesitate to recommend CBF to any small to medium business.”
    Alliance Speciality Care
    “The customer service from John was great, very friendly and efficient. Would definitely recommend”
    Katie
    “We used Century to assist in funding our expansion, and could not be happier with how they helped. Jacob was prompt, professional and efficient.”
    Martyn Solari
    “A 5 star service. Very impressed with the account manager and will 100% recommend his services”
    Vincent Torku

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