An F45 floor has a defined equipment spec. The rigs, the functional training stations, the timers and the screens need to be in place before a studio can sell its first membership, so the equipment cannot be phased in over the opening year.<\/p>\n\n\n\n
For an operator opening an additional site, that means a six-figure equipment bill arriving at the same time as construction and build-out costs, and before the new location has any members paying for it.<\/p>\n\n\n\n
This operator was already running three F45 studios<\/a>. The new site needed the full equipment package, construction work, and tenant improvement costs on top. The business had money in the bank, enough to buy the equipment outright if it wanted to.<\/p>\n\n\n\n That made this a question of priorities rather than affordability. Any cash spent on equipment would not be available for the build, or for the first few months of running the new studio.<\/p>\n\n\n\n Swoop arranged a $100,000 equipment loan<\/a><\/strong> with a specialist equipment lender, covering the complete package. The operator repays it in fixed monthly installments over 48 months<\/strong> instead of paying the supplier in one payment.<\/p>\n\n\n\n Equipment suits this type of funding. The asset<\/a> is specific, durable and central to how a studio earns, and a lender that understands fitness equipment can assess it on that basis rather than treating it as general business risk.<\/p>\n\n\n\n Spreading the cost over four years turned a six-figure payment into a fixed monthly cost. It also left the operator’s cash available for the parts of the project that are harder to fund, including the build itself and the working capital needed through opening.<\/p>\n\n\n\n The operator came to Swoop through F45, a Swoop partner. Swoop matched the request to a lender comfortable funding a multi-unit franchise operator, then supported the paperwork through to the funding being received.<\/p>\n\n\n\n This was the second equipment loan Swoop arranged for the operator in three months. An earlier equipment loan, for another site, had closed that July.<\/p>\n\n\n\n The complete equipment package was funded at $100,000<\/strong>, with no need to phase the order or split the delivery.<\/p>\n\n\n\n The cost became a fixed monthly repayment over 48 months rather than a single payment, so the operator knew what the equipment cost each month while the new location built its membership base and revenue.<\/p>\n\n\n\n The cash the business would otherwise have spent on equipment stayed available for construction, build-out and the early months of running the new studio.<\/p>\n\n\n\n Opening another location?<\/strong> See how equipment financing works and what Swoop would need from you to get started.<\/p>\n\n\n\n See how equipment financing works<\/a><\/p>\n\n\n\n An equipment loan funds a specific asset or a full package, and the business repays it in installments over an agreed term instead of paying the supplier upfront. In this case the operator borrowed <\/span>$100,000<\/b> for a complete F45 equipment package and repays it monthly over 48 months. Terms vary by business, equipment and lender.<\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n Yes, and an established operator usually has more to work with. A lender reviewing an equipment request will look at the trading history of the existing sites alongside the asset being funded. The operator here was running three F45 studios when this loan was arranged, and had already used equipment finance through Swoop once.<\/span><\/p>\n <\/div>\n <\/div>\n <\/div>\n Solution<\/h2>\n\n\n\n
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Key details<\/h3>\n\n\n\n
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Frequently asked questions<\/h2>\n\n\n\n
\n \n How does an equipment loan work for gym equipment? <\/a>\n <\/h5>\n <\/div>\n\n
\n \n Can an operator that already runs studios finance equipment for another location? <\/a>\n <\/h5>\n <\/div>\n\n