Gym Equipment Finance for Australian Fitness Businesses

Upgrade your gym, studio or fitness centre without tying up your cash flow. Equippay helps Australian fitness businesses access finance for treadmills, cardio machines, strength equipment, reformer Pilates machines, fit-out costs and more, with flexible repayment options and a fast online application.

Gym and fitness equipment
Estimate your repayments
EQUIPMENT COST
$50,000
WEEKLY
$364
per week
MONTHLY
$1,578
per month
Apply for equipment finance
Indicative repayment estimate
Secure online application
Fast online application
Apply in minutes with basic business and equipment details.
Finance from $2k–$500k
Suitable for single machines, full upgrades or complete studio fit-outs.
Flexible repayments
Choose repayment options that suit your business cash flow.
Australian support
Speak with a local equipment finance specialist.

Fitness equipment is expensive. But waiting can cost more.

Running a gym or fitness studio means constantly balancing cash flow, member experience and business growth. The right equipment can help you attract new members, keep existing clients engaged and improve the overall quality of your facility. But paying upfront for commercial fitness equipment can put serious pressure on working capital. Whether you are replacing old treadmills, expanding your strength area, opening a new studio or upgrading to premium machines, equipment finance can help you move faster without draining your bank account.

High upfront costs

Commercial fitness equipment can be expensive, especially when you are buying multiple machines or completing a full fit-out.

Member expectations

Gym members expect modern, reliable and well-maintained equipment. Outdated machines can affect retention and new sign-ups.

Growth opportunities

A new training zone, Pilates room or cardio section can create new revenue, but timing the purchase around cash flow is not always easy.

Equipment breakdowns

When key machines are out of action, it impacts the member experience. Finance can help you replace or upgrade equipment sooner.

Fitness equipment you can finance

Equippay can assist with finance options for a wide range of commercial gym and fitness equipment. Whether you are buying one machine or fitting out an entire facility, we can help structure a finance option around your business.

Treadmills

Exercise Bikes

Rowing Machines

Cross Trainers & Ellipticals

Stair Climbers

Strength Machines

Cable Machines

Power Racks & Rigs

Free Weights

Benches & Platforms

Functional Training Equipment

Reformer Pilates Machines

Recovery Equipment

Gym Flooring

Mirrors, Lighting & Fit-Out Costs

Reception & Member Management Technology

Built for gyms, studios and fitness operators

We work with a range of Australian fitness businesses, including:

  • Independent gyms
  • Franchise gyms
  • Personal training studios
  • Pilates studios
  • Yoga studios
  • CrossFit and functional training facilities
  • Boxing and martial arts gyms
  • Physiotherapy and rehabilitation clinics
  • Sports performance centres
  • Wellness and recovery studios

If the equipment is used for your business, there may be a finance option available.

Estimate Your Fitness Equipment Repayments

Use the repayment calculator to get an idea of what your gym equipment finance could look like. Your final repayment will depend on the equipment type, loan amount, business profile, lender approval, term selected and any applicable fees.

Estimate your repayments
EQUIPMENT COST
$50,000
WEEKLY
$364
per week
MONTHLY
$1,578
per month
Get started
Indicative repayment estimate
Secure online application

How gym equipment finance works

Simple steps, whether you are expanding your gym or selling equipment to fitness studios.

Finance your equipment

1
Choose your equipment
Find the gym, studio or fitness equipment you want to purchase from your preferred supplier.
2
Apply online
Submit your application with basic details about your business and the equipment you want to finance.
3
Get an outcome
We review your application and match it with suitable finance options from our lender network.
4
Finalise the purchase
Once approved, the finance documents are completed and payment is arranged with the supplier.
5
Start using the equipment
Install the equipment, start training members and repay the finance over the agreed term.

Help your customers buy sooner

Help your customers buy sooner by offering finance at the point of sale. Equippay gives suppliers a simple way to provide equipment finance options without becoming the broker, chasing banks or managing the approval process yourself.

  • Give customers repayment estimates quickly
  • Reduce "I'll think about it" delays
  • Help customers purchase larger equipment packages
  • Track applications through the partner portal
  • Get paid once the finance settles
  • Earn commission on eligible settled deals

Real gyms, real transformations

We wanted to add a strength training section and upgrade our cardio deck, but $50K upfront was difficult to manage. Equippay helped us explore finance options, the new equipment attracted serious lifters, and the repayments were supported by new membership revenue. We could not have done the expansion without this.
D
David S.
Owner, Peak Performance Gym, Melbourne
60s
Application
Fast
Approval time
$2k–$500k
Loan amount
$5M+
Equipment financed

Why fitness businesses use Equippay

Preserve cash flow

Keep cash available for rent, wages, marketing and day-to-day operating costs.

Buy better equipment

Finance can help you access higher-quality machines instead of settling for cheaper equipment that may not last.

Match repayments to revenue

Spread the cost of equipment over time rather than paying everything upfront.

Move faster

When the right equipment becomes available, finance can help you act quickly.

Support from real people

Our Australian team can guide you through the process and explain your options clearly.

Suitable for growth

Finance can be used for upgrades, replacements, expansions or new studio fit-outs.

Frequently asked questions

Yes, used or refurbished gym equipment may be considered depending on the age, condition, supplier, asset type and lender requirements.

Ready to finance your gym equipment?

Upgrade your gym, studio or fitness facility with finance options designed for Australian businesses. Apply online and see what equipment finance options may be available for your business.

For gym owners
Finance your equipment
Apply online and see what finance options may be available for your business.
Apply now
For equipment suppliers
Close bigger deals
Help customers explore finance options and earn commission on eligible settled deals.
Become a Partner