How Gyms Can Finance Commercial Cardio Equipment (Treadmills, Bikes, Ellipticals)

Whether you're opening a new fitness center or upgrading an existing gym, high-quality cardio equipment is a non-negotiable. Treadmills, stationary bikes, and ellipticals are the backbone of most workout spaces—but they also come with a hefty price tag.

That’s why many gym owners turn to  financing options for commercial cardio equipment to spread out costs and scale smartly without draining cash reserves.

Can Gyms Finance Cardio Equipment?

Yes! Gyms can finance commercial cardio machines—such as treadmills, ellipticals, and bikes—through equipment loans or leasing with fixed monthly payments.

Why Cardio Equipment Financing Makes Sense

Outfitting your gym with commercial-grade cardio machines can cost $2,000–$15,000+ per unit, depending on brand, features, and technology. If you’re furnishing a facility with dozens of machines, the costs add up fast.

Financing allows you to:

• Preserve  capital for marketing, staffing, or expansion

• Offer the latest equipment to attract and retain members

• Start earning ROI immediately while paying over time

• Take advantage of tax deductions (e.g., Section 179)

Related: Leasing Gym Equipment Helped One Wellness Center Thrive

What Cardio Equipment Can Be Financed?

You can finance nearly all types of commercial-grade cardio equipment, including:

🏃 Treadmills

• High-capacity running treadmills

• Incline and decline models

• Touchscreen and smart console options

🚴 Stationary Bikes

• Upright and recumbent bikes

• Spin bikes for group fitness classes

• Connected bikes with app integration

🕺 Ellipticals and Crosstrainers

• Rear- and front-drive ellipticals

• Compact crosstrainers

• Models with heart rate monitors and custom programming

✅ Financing may also cover delivery, installation, maintenance, and extended warranties.

Financing vs. Leasing: What’s the Difference?

💳 Equipment Financing (Loan)

• You  own the equipment at the end

• Fixed monthly payments

• Best for long-term usage

🔁 Equipment Leasing

• Lower monthly cost

• Option to upgrade at the end

• Ideal for keeping up with newer technology

Tip: Leasing is often preferred by gyms that refresh equipment every 3–5 years.

Sample Costs and Monthly Payment Estimates

Where to Get Gym Equipment Financing

You can secure financing from:

• Fitness equipment distributors and manufacturers (many offer in-house financing)

• Commercial equipment financing companies (e.g., National Funding, Crest Capital)

• Online lenders and marketplaces (e.g., Lendio, Fundera)

• SBA-approved lenders
  (ideal for large-scale projects)

Related: How to Choose the Right Equipment Leasing Company

What You’ll Need to Apply

Most lenders require:

• A business license or EIN

• Equipment quote or invoice

• 3–6 months of bank statements or tax returns

• Personal or business credit score (600+ preferred)

• Time in business (new gyms may need a business plan or guarantor)

Summary: How Gyms Can Finance Cardio Machines 

• Finance treadmills, bikes, and ellipticals with loans or leases

• Preserve cash flow and start generating ROI right away

• Choose ownership or upgrade flexibility based on your needs

Final Thoughts: Cardio Equipment Without Cardio-Sized Costs

Your cardio zone is often the first thing new members see—and if your equipment looks outdated or sparse, they may not return. By financing commercial cardio machines, you can build a modern, professional fitness space without waiting to save up.

Take Action: Finance Your Gym’s Cardio Equipment Today

Ready to create or upgrade your fitness facility?
Apply now for commercial fitness equipment financing—with low monthly payments, flexible terms, and fast approvals that let you build the gym your members deserve.