Equipment
Cardio equipment, weights, racks, or tech. Fund new gear or upgrade existing kit without the upfront cash hit. Spread the cost and keep your floor running at full capacity.
Funding built for fitness studios
Funding simplified for fitness studio operators — from your first studio to multi-unit expansion.
Swoop helps studio operators build the financial strength to thrive
Whether you are opening your first studio or running your fifth, we find the funding so you can keep your cash where it earns: on the floor.
From fit-outs and equipment to working capital, refinancing, and new site acquisitions, securing capital shouldn’t hold your business back. Strength, pilates, cycle, boxing, or full-service — we bring you tailored options from across the entire market, backed by a funding manager who knows the fitness industry inside out.
What studio operators actually fund
New unit build-out
Design, improvements, fixtures, decor and signage. The costs that land before the site earns.
Recovery suites
Saunas, plunge pools and contrast therapy rooms. A premium tier members pay extra for.
Renovation and refresh
Re-floor, re-rig, re-brand. Keep the studio feeling new without pausing operations to save up.
Refinance and consolidate
Bring expensive short-term borrowing into one payment you can actually plan around.
Working capital
Payroll, rent day and marketing campaigns, covered when member billing does not line up with the bills.
Second unit and multi-unit expansion
Use the operating history of studio one to fund studio two. Established operators get better terms, and we make that case for you.
How it works
Know where you stand every step of the way.
1
Onboard in minutes
Create your profile, upload documents, and connect your data to streamline your application.
2
Meet your dedicated funding manager
Work with a dedicated specialist who knows the fitness space inside out.
3
We handle the heavy lifting
We match you with top lenders, manage the end-to-end process, and negotiate on your behalf.
4
Secure your funding
Access the capital you need to bring your vision to life — whether opening a new studio or expanding an existing one.
Connect once, gain ongoing value
Linking your banking and accounting data powers your application and unlocks a real-time performance dashboard for your studio. Get live insights into your business at any time — whether you secure funding or not.
Where are you right now?
Opening my first studio
You’ve signed, or you’re about to. Now it’s time to build out, equip, and prepare for launch day.
- Franchise fee and document costs
- Design, build-out and fixtures
- The opening equipment package
- Pre-sale marketing before day one
- Working capital to cover the first months of operating
Scaling an existing studio
Your doors are open and generating revenue. Now get the funding to expand, upgrade your space, refinance debt, or bridge a cash gap.
- Second and third unit expansion
- Equipment refresh and re-rig
- Saunas, plunge pools and recovery suites
- Refinancing expensive short-term debt
- Working capital through a quiet quarter
Real studios, real results
Equipment loan
Florida
$100,000
48 months, fixed monthly
A multi-studio operator funded a full equipment package without spending its own cash
Three studios open, a fourth on the way. The floor has a defined equipment spec, and all of it has to be in place before the studio can sell a single membership.
“The rigs, the functional training stations, the timers and the screens need to be in place before a studio can sell its first membership.”
- Full package funded at once, no phased orders
- Cash kept for construction and build-out
- Second equipment loan arranged within three months
Startup funding
Virginia beach
Opened on schedule
After another lender stalled
Two first-time owners opened on time after another lender slowed them down
Sean Ward and Hocque Figueroa pooled their resources to open their first F45. Their original lender raised objections rather than solutions, and the opening date was at risk.
“Everything felt very slow and difficult. They were raising objections rather than trying.”
- Equipment and renovation costs covered
- Lenders found who worked to their timeline
- Studio opened as planned
Testimonials
Swoop was amazing! I was looking for refinancing and they got straight onto finding me the best possible option. I would highly recommend them.
Owner, F45 Cambridge, Australia
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