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Gyms & fitness businesses · Ireland
Gym business loans
& equipment finance.
Upgrade your equipment, get a new location ready or keep cash available for the everyday costs. We help Irish gym owners compare merchant cash advances, term loans and equipment finance through specialist lenders.
Merchant cash advance
For gyms with regular card takings that need working capital.
- From 90 days trading
- Typically €5,000 or more in monthly card takings
- Repayments collected as a share of eligible card sales
- Cover staffing, marketing and the day-to-day costs of running your gym
- Compare the total cost and any minimum-payment conditions before deciding
Term loans for fit-outs & growth
For established gyms investing in their current premises or another location.
- Unsecured term loans from €5,000 to €500,000
- From 12 months trading with one year’s accounts
- Annual turnover of €100,000 or more and a net profit
- No recent missed payments on bank statements
- Fund fit-out costs, expansion and working capital with monthly repayments
Gym equipment finance
Spread the cost of eligible equipment rather than paying for it all upfront.
- Hire purchase or leasing for suitable new or used equipment
- Treadmills, exercise bikes, resistance machines and strength equipment
- A supplier quote helps us compare the options
- Equipment finance can sit alongside a loan for the wider fit-out
- Eligibility and repayment terms depend on the equipment and your business history
Finance is subject to lender assessment. Unsecured term loans are not registered against property or business assets, but some lenders ask directors for a personal guarantee. Merchant cash advances depend on eligible card takings; regular direct-debit membership income is not automatically treated as card sales.
Client success · 26 May 2025
District One Gyms opening a new location
District One Gyms had an opportunity to open a new location and needed funding to get moving. We arranged a 24-month term loan to help secure the premises and complete the gym fit-out, while the team focused on pre-sales.
In the Google review shared with that story, the team said:
“When the opportunity to open a new gym came up we needed cash quick. Rather than wasting time with banks we went direct to Business Loans. Rupert did all the paperwork, secured the finance and we could focus on pre-sales. This allowed us to get the process moving fast. Thanks to the team at Business Loans the fitout is complete and we've already doubled what we borrowed with our pre-sales. Thanks again!”
That pre-sales result was what the client reported at the time, not a claim about profit or a promise of the same outcome for another gym. It is a good example of finance supporting an expansion while the owners concentrate on getting the new location ready.
Planning a fit-out or another location? Our unsecured business loans page covers term-loan options, while asset finance may suit eligible gym equipment.
Guides for your industry
8 November 2026
How Quickly Can SMEs Borrow Money in Ireland?
A supplier deadline, a replacement vehicle or cash tied up in invoices: find out what speeds up Irish SME finance, what to prepare and how to choose funding that fits.
Read guide →
3 November 2026
Is a Merchant Cash Advance Right for Your Irish Business?
How merchant cash advances work in Ireland: card-sales repayments, costs, eligibility from 90 days trading and the alternatives to compare before applying.
Read guide →
16 October 2026
How to Secure Equipment Finance in Ireland: A Guide
Table of Contents How to Secure Equipment Finance in Ireland: Step-by-Step What You'll Need Before You Apply Types of Equipment Finance Available Equipment Finance Application Requirements Documents Lenders Typically Ask
Read guide →
21 April 2026
Working Capital Finance as Costs Rise for Irish SMEs
How Irish SMEs can manage rising costs and cash-flow gaps: compare working capital finance, understand interest-rate risk and check repayments before borrowing.
Read guide →
31 October 2025
Real Irish Businesses. Real Funding Wins.
Real Irish client stories: funding for manufacturing, advertising, hospitality and a tile retailer that secured merchant cash advances to buy extra stock.
Read guide →
Common questions
Can my gym get finance after 90 days trading?
A merchant cash advance can be considered from 90 days trading if your gym has regular eligible card sales, typically at least €5,000 a month. If most members pay by direct debit, tell us how those payments arrive so we can look at the right options.
Can I finance a gym fit-out or a second location?
Yes. An established gym may qualify for a term loan to help with premises, fit-out costs and working capital. Unsecured term loans require at least 12 months trading, one year’s accounts, annual turnover of €100,000 or more, a net profit and no recent missed payments.
Can I finance new or used gym equipment?
Suitable new or used gym equipment can be considered for hire purchase or leasing. Send us the supplier quote and details of your business so we can compare the options.
Free to you. Lenders pay us a commission when your loan completes. How we get paid