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Specialist Services for Cost-effective Gym Equipment Finance

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With constantly changing and emerging approaches to fitness and exercise, gyms and trainers need to stay on trend with the latest equipment to meet market expectations. Machines and equipment at busy fitness centres can get a good workout and require regular replacement. But the costs of new gear and the accessibility to affordable fitness equipment financing can be a barrier for many operators.

  • Low gym equipment loan interest rates
  • Credit score not impacted
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Why Aussies Choose Jade

 
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The easy application process provides you with comprehensive information. Make a fully informed decision on your equipment loan.

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Loan Specialist

Equipment Loan Specialist

With over 25 years of experience in finance, we have a reputation for negotiating great rates with same-day approvals.
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Affordable Equipment Financing for Every Fitness Business

No excuses, no procrastination – when new machines are required, operators can use our specialist services for cost-effective loans for gym equipment. We have lenders to suit all types of operations – self-employed personal trainers, fitness centres, group operations, both large and small, and the expertise and resources to secure gym finance at the best rates and flexible terms.

We understand that gym memberships and use of personal trainers can feel the impact of costs-of-living. Making it important for operators to keep their outgoings under control and not pressure cash flow. When requiring new equipment, that means ensuring the gym loan is workable and affordable. Objectives which we work closely with our customers and our lenders, to achieve.

Rows of gym equipment ready to use

Overview of Gym Equipment Loans

Securing affordable fitness equipment financing can be crucial to establish a new gym or personal training service and to upgrading an existing centre.

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Structured to Suit You

Regardless of the size of the operation, the finance has to work for the business. We provide funding solutions which are specifically sourced and structured to suit the specifics of the operation. Making the prospect of acquiring high quality machines and equipment accessible and affordable for more operators.

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Wide Range of Applications

All types of business set-ups can be eligible for gym equipment financing. That includes the many self-employed, part-time and freelance trainers in the sector. Fitness equipment financing can be sourced for individual apparatus or for multiple machines.

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All Types of Gym Equipment

The type of equipment we finance can include cardio machines, cross trainers, elliptical machines, stair climbers, workout stations, all variants of exercise bikes, and loans for weight training equipment. Technology for the installation of smart machines can also be acquired with a loan for gym equipment.

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Getting Started

To discuss your specific purchase, speak with one of our brokers or simply apply online for a prompt response and quick quote.

  • Flexible Gym Equipment Leasing.
  • Chattel Mortgage and CHP Gym Gear Finance.
  • Rent-to-Own Fitness Equipment Finance for regular upgrading.
  • Fixed low interest rates, fixed terms, flexible fixed repayments.

Fitness Equipment Financing Credit Types

The type of equipment we finance can include cardio machines, cross trainers, elliptical machines, stair climbers, workout stations, all variants of exercise bikes, and loans for weight training equipment.

  • Flexible Gym Equipment Leasing.
  • Chattel Mortgage and CHP Gym Gear Finance.
  • Rent-to-Own Fitness Equipment Finance for regular upgrading.
  • Fixed low interest rates, fixed terms, flexible fixed repayments.
An empty gym setup with all the pro gear ready to go

Equipment finance guides and resources

Our guides offer quick comparisons and simple explainers to help you power through the financing process with confidence.

Expert Guidance for Your Unique Business Needs

There are a number of differences with these credit facilities which make each more or less suited to specific business set-ups. Importantly is whether a business uses the cash or accruals method of accounting. Lease and Rent-to-Own best suit the accruals method, Chattel Mortgage the cash method, and CHP may suit businesses using either method.

Another difference which can be particularly relevant in the fitness industry that may need to upgrade equipment regularly, is the ownership of the equipment over the finance term. With Leasing and Rent-to-Own, the ownership remains with the lender. This can be seen as a more flexible option for more efficient upgrading at the end of the term. This may also suit smaller operators as the asset does not get posted to the balance sheet.

There are also differences in what elements of the loan are tax deductible and with the interest rates. Speaking with an accountant may clarify the most suitable credit facility for your business set-up and the objectives you hope to achieve in the future.

We offer all options at fixed best rates, and negotiated fixed terms to deliver the most flexible repayment schedule. Our brokers will be working to understand your objectives and structuring the loan to meet cash flow expectations and optimised for tax benefits.

To get started, connect with us.

A young woman packing gear into her duffle bag after a good workout at the gym.
Lender Loan Product Interest Rates From Monthly Repayment
Jade Equipment Finance 6.59%Fixed Rate $588.25 MONTHLY
Jade Business Loans - Unsecured 14.95%Fixed Rate $712.91 MONTHLY
Jade Business Loans - Secured 5.99%Fixed Rate $579.84 MONTHLY
Jade Overdraft - Non Bank 14.95%Fixed Rate $712.91 MONTHLY
Jade Chattel Mortgage 6.85%Fixed Rate $591.92 MONTHLY
Jade Operating Leases 6.85%Fixed Rate $591.92 MONTHLY
Jade
Equipment Finance
6.59%Fixed Rate $588.25 MONTHLY
Jade
Business Loans - Unsecured
14.95%Fixed Rate $712.91 MONTHLY
Jade
Business Loans - Secured
5.99%Fixed Rate $579.84 MONTHLY
Jade
Overdraft - Non Bank
14.95%Fixed Rate $712.91 MONTHLY
Jade
Chattel Mortgage
6.85%Fixed Rate $591.92 MONTHLY
Jade
Operating Leases
6.85%Fixed Rate $591.92 MONTHLY

THE INTEREST RATE IS CALCULATED ON A SECURED LOAN PREDOMINATELY FOR BUSINESS USE, EFFECTIVE 02/05/2026 AND SUBJECT TO CHANGE. WARNING: THE INTEREST RATE IS TRUE ONLY FOR THE EXAMPLES GIVEN AND MAY NOT INCLUDE ALL FEES AND CHARGES. DIFFERENT TERMS, FEES OR OTHER LOAN AMOUNTS MAY RESULT IN A DIFFERENT INTEREST RATE.

We work harder to secure the best rates.

Gym Fitness Equipment FAQs

  • Yes. Lease is one of the commercial credit facilities available to purchase fitness machines and equipment. The other options are Chattel Mortgage, CHP and Rent-to-Own.

  • Interest rates on gym loans are individually offered by lenders following an assessment of the individual application.

  • Sole traders with an ABN can be eligible for commercial finance.

  • Self-employed operators may consider a personal loan or business financing for gym equipment. Business finance would generally be considered preferable due to the lower rates and tax benefits.

  • All business financing products offer tax deductions. Lease and Rent-to-Own payments are deductible. CHP and Chattel Mortgage deliver a deduction when the equipment is depreciated.

  • Lenders can approve funding arrangements for multiple items of fitness equipment. This is subject to individual lender guidelines. Working through a broker may provide access to suitable lenders.

  • A wide range of fitness machines and apparatus may be acquired with financing. Approval is subject to lender guidelines.

  • Technology systems may be financed with commercial credit facilities. Depending on being accepted as suitable security may determine what type of loan is most appropriate.

  • Asset acquisition finance is typically arranged with fixed interest rates.

  • A balloon is an optional inclusion with Commercial Hire Purchase and Chattel Mortgage.