Eligibility
What lenders look for
- Canadian registered fitness business
- New or used commercial-grade equipment
- New facilities and established gyms alike
Zero-down options available · Terms 24 to 72 months · New or used, any seller
Gym and fitness equipment financing
Financing for commercial fitness equipment and full facility fit-outs, from cardio and strength lines to functional rigs, new or used, across Canada.
Estimate your paymentExample rate 9%
$1,967/month over 48 months
CBL funds up to $1,000,000
Example only, not a quote. The lease example includes a 10% buyout at the end of the term. Your rate depends on credit, time in business and the equipment.
Continue to applicationThe short answer
Yes. CBL Financial arranges loans and leases for commercial fitness equipment, from cardio and strength lines to functional rigs and full facility fit-outs, new or used, from any seller. It suits new gyms opening their doors and established facilities replacing tired equipment. Funding goes up to $1,000,000, terms run 24 to 72 months, and zero-down options are available.
At a glance
CBL Financial is an equipment financing brokerage in Calgary, Alberta, that arranges gym equipment financing for businesses across Canada. Funding goes up to $1,000,000, terms run 24 to 72 months, and approvals can come the same day for straightforward files.
| What it is | Gym equipment financing, arranged through a lender network |
|---|---|
| Funding | Up to $1,000,000 |
| Terms | 24 to 72 months |
| Approval time | Same day possible for straightforward files |
| Where | Businesses across Canada, from a head office in Calgary, AB |
| Equipment | Cardio (treadmills, bikes, rowers), Strength & plate-loaded lines, Functional rigs & racks, Studio & spin setups, Recovery equipment |
| Sellers | New or used, from a dealer, auction or private seller |
| Rate and down payment | Set by the lender for each file, based on credit, the asset and its age |
In a gym the equipment is the product, and it ages in full view of paying members. Financing lets a new facility open fully equipped and lets an established one refresh its cardio and strength lines on a regular cycle, without a capital hit that competes with rent and staff.
A new gym earns nothing on day one and builds toward capacity over months, so a full payment from opening week works against the business. Where lenders offer it, we ask for lighter early payments while the membership base develops. Quality used commercial-grade equipment can also cut fit-out costs substantially, so we finance well-maintained pre-owned units alongside new ones. For a first location on a tight budget, that mix is often what makes the numbers work.
Why CBL
Why finance gym equipment with CBL
The whole floor in one deal
Cardio, strength, functional rigs and studio setups financed together, instead of dozens of separate equipment invoices.
Room for ramp-up
Some lenders offer lighter early payments while a new gym builds its member base. We ask for that structure when you are opening a new location.
Used commercial-grade funded
Quality pre-owned commercial fitness equipment can bring fit-out costs down, and we finance it with a proper valuation.
Refresh without a capital hit
Established facilities can replace tired equipment on a monthly payment instead of a lump sum out of reserves.
How it works
A straightforward process
- Step 1
Outline the facility
A new fit-out or a refresh, with the equipment list and whether units are new or used.
- Step 2
We size and place it
The full package goes to lenders suited to fitness facilities and your stage, sized so the payment fits your membership revenue.
- Step 3
Funded and open
Vendors are paid directly and the floor is equipped. Terms run 24 to 72 months, so payments can track membership revenue.
Start your application
Ready when you are
Apply in one sitting. Approvals can come the same day. Questions? Call 877-522-2498.
Start your application