Revenue-Based Financing for Gyms & Fitness
January brings 200 new memberships. August sees cancellations and slowdown. Revenue-based financing structures payments as a percentage of your deposits, automatically adjusting to your actual membership revenue. Strong January pays more. Slow August pays less.
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Revenue-Based for Fitness Patterns
Revenue-based financing calculates payments as a percentage of your bank deposits. Since gym deposits surge in January and slow in summer, payments naturally align with fitness industry seasonality.
January Surge Alignment
New Year membership surge creates strong deposits in January-February. Revenue-based payments are higher when you have the cash to pay.
Summer Relief
Summer slowdown and cancellations reduce deposits. Revenue-based payments drop proportionally during lean months.
Automatic Adjustment
No need to request payment modifications. Structure automatically adjusts based on actual membership deposits.
Deposit Percentage Model
Typical revenue-based financing takes 8-12% of daily or weekly deposits until obligation is satisfied.
Why Fixed Payments Create Stress
Fitness revenue is highly seasonal. Financing should acknowledge gym economics.
Fixed Payments vs. Seasonal Reality
A $3,000 monthly payment is easy in January but crushing in August when memberships drop.
Fitness Seasonality
40-60% revenue swing between January peak and August low. Fixed payments ignore this reality.
Summer Cash Drain
Fixed payments drain cash during slow summer months, risking operational capital.
Cancellation Timing
Summer cancellations reduce revenue right when fixed payments feel heaviest.
New Member Investment
Marketing and equipment for January rush require capital. Payments should align with results.
Variable Year Protection
Some years are stronger than others. Fixed payments do not adjust to actual business performance.
Revenue-Based Financing Process
Get approved with payments that automatically match your membership flow.
Application
Complete application with gym information and capital needs.
10-15 minutes
Bank Statements
Provide 4-6 months bank statements showing membership deposit patterns.
Upload documents
Evaluation
We analyze deposit patterns and membership revenue to determine terms.
24-72 hours
Funding
Accept terms with percentage-based payments. Funds deposited to your account.
1-2 days after approval
Payments That Match Membership Reality
Revenue-based financing ties payments to your actual bank deposits. January's membership surge naturally pays more when you have it. Summer slowdown automatically pays less. Natural alignment with fitness business seasonality.
January Alignment
Strong membership months mean higher payments when cash is available.
Summer Relief
Slow months mean lower payments automatically. No crushing summer payments.
Automatic Adjustment
No negotiation or modification requests. Structure adjusts based on actual deposits.
Membership Revenue Focus
We understand recurring billing patterns. Your membership model supports approval.
Fast Access
Most applications receive decisions within 24-72 hours.
Variable Year Protection
Weaker year means lower deposits means lower payments automatically.
Revenue-Based for Gyms
Common applications where membership-aligned payments provide optimal structure.
Equipment Purchase
Finance equipment with payments that track membership revenue.
Typical funding: $25K-$100K
Marketing Campaign
Pre-season marketing with payments aligned to resulting memberships.
Typical funding: $15K-$50K
Facility Improvement
Renovation or improvement with seasonal payment alignment.
Typical funding: $20K-$75K
Working Capital
Operating capital with payments that flex with membership patterns.
Typical funding: $15K-$60K
Expansion
Growth capital paid back through membership revenue.
Typical funding: $40K-$150K
Technology
Systems and technology with membership-aligned repayment.
Typical funding: $15K-$50K
Revenue-Based vs. Fixed Payment Options
Understanding how revenue-based differs from traditional financing.
| Feature | Revenue-Based | Fixed Term Loan | MCA |
|---|---|---|---|
| Payment Structure | % of deposits | Fixed monthly | % of card processing |
| Seasonal Adjustment | Automatic | None | Card volume only |
| Summer Payments | Automatically lower | Same as January | Lower if card drops |
| Membership Value | Primary factor | Considered | Processing focus |
| Speed | 24-72 hours | 1-3 weeks | 24-48 hours |
| Total Cost | Known factor | Known APR | Known factor |
| Best For | Seasonal alignment | Budget certainty | Speed |
| Documentation | Bank statements | More extensive | Processing statements |
Revenue-Based Requirements
What qualifies gyms for revenue-based financing.
Membership Revenue
Consistent membership billing through bank deposits.
$20,000+ monthly
Operating History
Established gym with operating track record.
6+ months preferred
Bank Statements
Bank account showing membership deposit patterns clearly.
4-6 months statements
Seasonal Pattern
Clear seasonal pattern with peaks and slower periods.
Normal gym seasonality
Active Operations
Currently operating gym with ongoing membership activity.
Active business
Positive Revenue Trend
Stable or growing membership revenue pattern.
Positive trajectory
Revenue-based financing emphasizes deposit patterns. Seasonal variation is expected and the structure is designed for it.
Real Results
FlexZone Fitness
Gym, Nevada
The Challenge
FlexZone needed $45,000 for equipment and marketing. Fixed monthly payments of $2,200 would be impossible during summer slowdown when membership drops 40%.
The Solution
Revenue-based financing with 10% of deposits. January-March paid $3,500-$4,000 monthly. June-August paid $1,800-$2,200 monthly.
The Result
Equipment purchased. Marketing executed. Payments naturally tracked with membership revenue. No summer cash crisis. FlexZone refinanced with same structure for expansion.
“Fixed payments would have crushed us in summer. Revenue-based means January pays more when we have it, summer pays less automatically. Perfect for gym seasonality.”
Gym Revenue Data
Understanding fitness business revenue patterns.
Why Gyms Choose Revenue-Based
Benefits of deposit-aligned payment structures.
January Automatic
Higher payments during peak season when cash is available.
Summer Relief
Lower payments during slowdown. No cash crisis.
No Negotiation
Payments adjust automatically. No modification requests.
Membership Value
Recurring billing patterns support approval.
Fast Access
Quick approval when equipment or marketing cannot wait.
Year Protection
Weaker years automatically mean lower payments.