Loan For Gym Business in Aurora, CO
Loans for gym businesses in Aurora fund the buildouts, equipment purchases and expansions for boutique studios, CrossFit boxes, functional-training gyms and full-service health clubs across the Denver metro. We work with first-location openings and multi-unit operators.
Fitness has become a recurring-revenue business — and lenders now underwrite gyms similarly to SaaS: monthly member value, churn, LTV and CAC matter more than total revenue. A gym with 400 members at $150/mo on 4% monthly churn is a much stronger credit than one grossing more with 8% churn.
Marquette structures gym deals with SBA lenders who understand fitness plus equipment financiers for turf, rigs, cardio and strength equipment.
- New studio or gym buildout
- Gym or franchise acquisition
- Equipment: rigs, cardio, strength, turf
- Second-location expansion
- Franchise fee + buildout combined
- Refinancing high-rate startup debt
- Fitness industry experience or franchise support
- Personal credit 660+ typical
- Member count, ARPU, churn (for existing gyms)
- Business plan and pro forma (startups)
- Signed lease or LOI
From intake to funded in four steps.
“Gyms have high failure rates in year 1–2, and lenders know it. First-time operators without franchise support will pay for that risk with higher rates or bigger down payments. Franchise brands (F45, Orangetheory, StretchLab, etc.) unlock better terms because the model is proven.”
Questions Aurora operators actually ask.
Is an SBA loan available for a first gym?+
Yes, especially for franchise-brand locations on the SBA-approved franchise list. Independent-concept gyms are harder but possible with strong operator experience.
Can I combine buildout and equipment in one loan?+
Yes — SBA 7(a) covers TI, equipment, franchise fees, and working capital in one facility.
What about acquiring an existing gym?+
Gym acquisitions are underwritten heavily on member retention data. Bring 12+ months of billing, churn and freeze reports.
Equipment-only financing?+
Available — equipment lenders finance rigs, cardio, and strength packages at 3–5 year terms with minimal paperwork.
Do you finance boutique concepts like pilates or barre?+
Yes — boutique fitness is one of the strongest sub-verticals right now, and lenders like the high ARPU + low equipment-cost profile.
Talk to Aurora about loan for gym business.
15-minute call. Real advisor. Real answer on whether this is the right program for your Aurora business.