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.
Yes! Gyms can finance commercial cardio machines—such as treadmills, ellipticals, and bikes—through equipment loans or leasing with fixed monthly payments.
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
You can finance nearly all types of commercial-grade cardio equipment, including:
High-capacity running treadmills
Incline and decline models
Touchscreen and smart console options
Upright and recumbent bikes
Spin bikes for group fitness classes
Connected bikes with app integration
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.
You own the equipment at the end
Fixed monthly payments
Best for long-term usage
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.
| Equipment Type | Retail Price | Estimated Monthly (60 mos) |
|---|---|---|
| Commercial treadmill | $8,500 | ~$155–$180/month |
| Spin bike (set of 10) | $20,000 | ~$370–$420/month |
| Elliptical machine | $6,000 | ~$110–$135/month |
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)
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)
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
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.
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.