Invoice financing for fitness & wellness
Get up to 90% of your unpaid invoices now. Gym owners use Credible Lending invoice financing to replace cardio and strength equipment or build out a new studio, with settled when your customer pays and advances within 24 hours.
| Amount | Up to 90% of invoice value |
|---|---|
| Term | Settled when your customer pays |
| Speed | Advances within 24 hours |
| Payments | Settled from invoice payment |
| Best for | B2B businesses with slow-paying customers |
Common uses in fitness & wellness
- Replace cardio and strength equipment
- Build out a new studio
- Launch a membership campaign
- Add recovery services
Why gym owners choose invoice financing
Equipment wears out
Members notice tired machines. Replace them without draining the account.
January is a surge
Capital for marketing and staffing ahead of peak sign-up season.
Buildouts are big
A second location fits a term loan with predictable payments.
How does invoice financing work?
- 1
Submit open invoices from creditworthy business customers.
- 2
Receive an advance of up to 90% of their value.
- 3
Your customer pays as usual.
- 4
You receive the balance, minus a transparent fee.
What do I need to qualify?
- 1 year in business
- $10K+ in monthly revenue
- 625+ FICO score
Other funding for gym owners
- Equipment financingGet the equipment now. It secures the loan.Up to 100% of equipment cost · Matched to the equipment's useful life
- Term loansOne lump sum, fixed payments, up to 60 months.$10K – $5M · Up to 60 months
- Business line of credit$10K to $5M in revolving credit. Pay only for what you draw.$10K – $5M · Up to 24 months
Questions, answered
Something else on your mind? Ask an advisor.
Can gym owners qualify for invoice financing?
Yes. Most Credible Lending programs look for at least one year in business, $10,000 or more in monthly revenue and a 625+ credit score. We review fitness & wellness financials with the industry's cash-flow patterns in mind.
Will my customers know I'm using invoice financing?
It depends on the structure. Ask your advisor about options where you continue to collect payments directly.
Can I finance fitness equipment?
Yes. Commercial cardio, strength and recovery equipment can be financed against the equipment itself.
Ready when your business is.
Apply in about three minutes with a soft credit check. You'll hear back the same day.