Gym and fitness equipment finance
Strength lines, cardio fleets, reformers and custom rigs — financed so your cash stays free for fit-out, marketing and member growth.
Good equipment drives member retention, but kitting out a floor is a serious outlay. Financing on a chattel mortgage spreads the cost over the years the gear is earning and keeps cash free for the things that actually grow memberships.
Who it's for
Gym operators, PT studios, pilates and reformer studios, wellness facilities.
Reformer and boutique studio fit-outs
Reformer pilates and boutique studios are among the fastest-growing niches in Australian fitness, and the equipment holds value well — which lenders like. We can finance a full studio fit-out in one facility so you open with your cash intact for fit-out, marketing and the first months of memberships.
Strength lines, cardio fleets and rigs in one facility
Kitting out a floor means plate-loaded and selectorised strength, a cardio fleet, free weights, racks and custom rigs — a serious outlay all at once. These can usually be packaged into a single chattel mortgage with one repayment rather than juggling separate agreements per supplier, which is simpler to budget against membership revenue.
A balloon protects cash while memberships build
Memberships build over months, but the equipment bill lands on day one. A balloon (residual) — commonly around 30% — lowers the monthly repayment so cash stays free for the marketing and staffing that actually grow your member base. At the end of the term you refinance the balloon, pay it out, or refresh the floor.
New, used or an existing gym's equipment
Commercial fitness gear holds value well, so quality used equipment and the fit-out of an existing gym you're taking over are both financeable, not just new lines from a supplier. Used and private purchases just need a quick check on the assets and a title (PPSR) check, which we handle.
Own the equipment, claim the GST and depreciation
On a chattel mortgage your business owns the equipment from day one, so you can generally claim the GST input tax credit on the purchase and depreciate it over time. The instant asset write-off may apply to some items — confirm the current rules and your eligibility with your accountant.
Talk to a specialist
Get a competitive rate and the right structure for your next asset. No obligation, no credit-file hit to ask.
- Panel of commercial lenders
- Low-doc options for established ABNs
- Pre-approval before you buy
Work it out backwards.
Start with a repayment that keeps cash in your business and see what it finances — then we’ll line up a competitive rate to match.
A balloon lowers your monthly repayment and keeps cash in the business. ~30% is common; new vehicles can go to 40%.
Real rates today typically sit in the 6–9% range depending on the asset, its age, your ABN and security. A guide, not a quote.
Estimate only, excluding fees and charges. Not a quote, offer, or credit assistance. Actual repayments depend on the lender’s assessment.
Common questions
Commercial fitness equipment is commonly financed over three to five years, roughly aligned with the equipment's working life. A balloon can lower the monthly repayment further if cash flow in the early period is tight, which it usually is while memberships build.
Explore more finance
Ready to move on your next asset?
Get pre-approved and negotiate as a cash-equivalent buyer — we'll handle the rate, the structure and the paperwork.