Equipment Loans for CrossFit and Functional Training Gyms

Building or scaling a CrossFit box or functional training facility means investing in serious gear—rigs, racks, plates, flooring, and more. But if you're like many gym owners, dropping tens of thousands of dollars up front isn’t ideal.

That’s where equipment loans for CrossFit and functional training gyms come in—giving you access to the gear you need to grow without draining your cash flow.

Can CrossFit Gyms Get Equipment Loans?

Yes! CrossFit and functional training gyms can qualify for equipment loans to finance rigs, flooring, barbells, and other essential fitness gear with manageable monthly payments.

Why Equipment Financing Makes Sense for Functional Training Gyms

Outfitting your facility with commercial-grade gear isn’t cheap. Even a modest setup with racks, plates, turf, and rowers can cost $30,000 to $100,000+.

With an equipment loan, you can:

• Get premium equipment now and pay over time

• Preserve working capital for marketing, payroll, and rent

• Build business credit with responsible repayment

• Bundle installation and delivery into one fixed monthly payment

• Access tax advantages (consult your CPA)

Related: How to Finance a Gym Expansion or Remodel

What Equipment Can Be Financed?

You can finance nearly everything you need to open or upgrade a CrossFit or functional training gym:

🏋️‍♂️ Strength & Conditioning Equipment

• Power racks, squat stands, and wall-mounted rigs

• Bumper plates, barbells, kettlebells, and dumbbells

• Weightlifting platforms and plyo boxes

• Medicine balls, sandbags, and battle ropes

💨 Conditioning Gear

• Rowers (e.g., Concept2), ski ergs, and air bikes

• Sleds, climbing ropes, and agility ladders

• Turf flooring and sprint lanes

🧱 Flooring & Facility Gear

• Rubber mats, EVA foam tiles, or turf

• Storage racks, chalk stations, and benches

• Mobility tools, resistance bands, and recovery gear

💻 Technology

• Gym management software

• TVs, timers, and sound systems

• Security systems and keyless entry tech

Sample Equipment Loan Costs

Where to Get Equipment Loans for CrossFit Gyms

You can apply through:

• Fitness equipment vendors (some offer in-house financing)

• Commercial leasing & financing companies (e.g., TimePayment, Crest Capital)

• Online lending platforms like Lendio or Fundera

• SBA-backed lenders for large gym buildouts

• Local banks or credit unions (if you have business history)

Related: How to Choose the Right Equipment Leasing Company

What You Need to Qualify

Most equipment loan providers require:

• Business license or EIN

• Equipment quote or invoice

• Business bank statements (last 3–6 months)

• Credit check (600+ preferred)

• Business plan or personal guarantor (for startups)

Related: Essential Tips for First-Time Equipment Leasing

Summary: Equipment Loans for CrossFit Gyms 

• Finance racks, rigs, plates, flooring, and more

• Get fixed monthly payments with no large down payment

• Perfect for startups or gyms scaling up quickly

Final Thoughts: Power Up Without the Financial Strain

Opening or growing a CrossFit gym is capital-intensive—but with the right financing strategy, you don’t have to compromise. An equipment loan lets you build the facility your athletes deserve, while keeping your finances strong and flexible.

Take Action: Apply for an Equipment Loan Today

Ready to level up your gym?
Apply now for CrossFit equipment financing and get the gear you need—without the financial burden of buying everything upfront.