Funding for sports facilities, wellness centers, sports retail, coaching businesses and health clubs. £10k to £500k available. Explore gym finance for gym launches and expansion.
Climbing centers, trampoline parks, indoor football facilities, tennis centers, swimming pools, martial arts dojos, boxing gyms, cycle studios, skating rinks. Equipment, expansion, refits, working capital.
Float therapy centers, cryotherapy clinics, massage therapy studios, sports therapy practices, physiotherapy clinics, chiropractic centers. Equipment finance and facility funding.
Sports equipment retailers, activewear brands, supplement shops, online sports stores, franchise sports retailers. Stock finance, expansion, marketing, ecommerce platforms.
Personal training studios, sports coaching academies, yoga studios, Pilates studios, dance schools, sports camps. Equipment, facility leases, marketing, expansion.
Booking platforms, member management systems, coaching apps, wearable tech, sports analytics software. Development funding, marketing, equipment.
Outdoor activity centers, adventure parks, water sports centers, ski hire shops, bike rental businesses, outdoor retail. Seasonal working capital, equipment, expansion.
£5k - £250k
Spread equipment costs over 1 to 5 years. Commercial fitness equipment, sports facility equipment, retail fixtures, vehicles. Competitive rates — pricing on application.
£10k - £150k
Fast access funding for working capital, marketing, refits, stock. No assets required. 3 months to 5 years. Rates 8% to 40%+.
£25k - £500k
Fund new locations, franchise purchases, major facility upgrades. Secured or unsecured depending on amount and profile.
£50k - £500k
Buy an existing sports business, purchase competitor, acquire franchise rights. Structured against business cashflow.
£15k - £200k
Facility refits, new flooring, changing rooms, reception areas, studio spaces. Keep existing business running while upgrading.
£10k - £100k
Bridge cashflow gaps during quiet seasons, fund peak season stock, cover marketing spend before revenue arrives.
Traditional banks struggle with sports and wellness businesses. They see seasonality as risk, recurring revenue models as unstable, equipment as depreciating assets with no value. They apply retail or hospitality lending criteria to businesses that operate completely differently.
Specialist lenders understand the sector. They know climbing walls have 20-year lifespans, understand that January membership spikes fund the whole year, recognize that sports retail has predictable patterns and wellness services scale through word of mouth. They fund hundreds of sports businesses annually and structure deals that match your cashflow reality.
A climbing center needed £120k to expand their bouldering area and add a training facility. Banks said no because the business was only 18 months old and climbing walls are too niche. A specialist lender saw strong membership growth, understood the equipment holds value, and approved the funding in 48 hours at 11% over 5 years. The expansion paid for itself in 14 months through new memberships.
Most lenders want 6 to 12 months trading minimum. Some will consider startup funding if you have relevant experience, strong business plan, and can demonstrate demand. Franchises often get better terms due to proven model.
Lenders assess on annual turnover and profit margins. Minimum turnover requirements vary by lender and loan size, typically £60k+ annual turnover. For secured asset finance, more flexible. They understand sports businesses can have thin margins if reinvesting in growth.
Directors provide personal guarantees. Good to fair credit gets best rates. Historical credit issues are workable if the business is trading strongly and issues are explainable. Credit requirements vary significantly by lender.
Sports and wellness businesses often have seasonal peaks (January, summer, back to school). Experienced lenders understand this and assess you on annual performance, not monthly volatility. Some allow payment holidays during quiet months.
Lenders want clarity on what the money does. Equipment that generates revenue, expansion that increases capacity, marketing that brings in customers. Vague working capital requests get scrutinized. Specific use cases with clear ROI get approved faster.
£30k - £150k
You are opening a second location, launching a new studio, or starting a new sports facility from scratch. You need funding for fit-out, equipment, initial marketing, and working capital buffer. Typical funding £30k to £150k depending on scale. Mix of secured equipment finance and unsecured working capital works well.
£15k - £80k
Your existing equipment is worn out or outdated. You need to replace it to maintain member satisfaction and stay competitive. Typical funding £15k to £80k. Asset finance structured over 3 to 5 years lets you spread costs while equipment pays for itself.
£50k - £500k
You want to buy an existing sports business, purchase franchise rights, or acquire a competitor to consolidate market position. Typical funding £50k to £500k. Structured against projected cashflow from combined business.
£10k - £50k
You need to invest heavily in stock before peak season or fund a major marketing campaign to drive peak season bookings. Typical funding £10k to £50k short term (3 to 12 months) to be paid back when revenue arrives.
£20k - £100k
Your facility needs a refresh. New flooring, updated changing rooms, better lighting, modernized reception. Typical funding £20k to £100k. Keep business operating while upgrading. Loan structured over 2 to 5 years.
We start with a discovery call to understand what you are funding, where the business is now, where you want it to go. We ask the questions lenders will ask so we can position your application properly.
We then shortlist 2 to 4 lenders from our panel of 70+ who specialize in sports and wellness businesses and are most likely to approve at competitive rates. We help you pull together the information they need (bank statements, business overview, equipment quotes, whatever is relevant).
Applications typically get decisions in 24 to 72 hours for straightforward deals. More complex acquisitions or large facility projects take 1 to 3 weeks. Once approved, funds usually arrive in 3 to 7 working days.
LoanLogic is a commercial finance brokerage connecting SMEs to 70+ specialist lenders. We focus on businesses across South West England that traditional banks decline or delay. Funding from £10k to £500k for equipment, expansion, acquisitions, and working capital.
Founded by Ben, an independent gym owner with 16 years of finance experience. We prioritize getting you the right deal over maximizing our commission.
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