Short answer
Anytime Fitness owners with an operating club can apply with Merchant Fund Express for equipment financing, working capital, a line of credit or revenue-based financing from $5,000 to $5,000,000. The most common needs are cardio and strength equipment replacement, club refreshes and the gap between membership billing and fixed costs. Each club is reviewed on its own deposits and existing payments; a complete file usually gets a decision in 2–4 hours. Merchant Fund Express is independent of Anytime Fitness.
What Anytime Fitness owners usually need funded
Equipment replacement
Treadmills, bikes and strength stations in 24/7 use wear out faster.
Access and security
Key-fob access, cameras and the systems that make 24/7 possible.
Club refreshes
Flooring, lighting and locker rooms to keep members renewing.
Dues timing
Billing cycles do not always line up with rent and payroll.
Every way to fund your Anytime Fitness location
Already running a Anytime Fitness location and need capital? Merchant Fund Express funds existing Anytime Fitness owners with every structure below, from $5,000 to $5,000,000, on one 4-minute application.
| Product | What it does for a Anytime Fitness store |
|---|---|
| Business loan | A lump sum for a cardio-floor replacement. Franchise business loans. |
| Merchant cash advance | Fast capital repaid as a share of card and bank deposits, so a slow week takes a smaller bite. Franchise MCA. |
| Revenue-based financing | Payments that track January-heavy sales instead of a fixed amount. Revenue-based financing. |
| Line of credit | A reusable limit for membership-draft timing gaps. Line of credit. |
| Equipment financing | For cardio and strength equipment, with the equipment anchoring the deal. Equipment financing. |
| Working capital | For club supplies and a marketing push, repaid from the store's own revenue. Working capital. |
Already carrying an advance? Existing advances are considered, and MCA refinance is there to lower the payment. More owners in your category: Fitness franchise funding.
Match the need to the funding
| If you need to… | Look at | Why it fits |
|---|---|---|
| Replace a cardio line | Equipment financing | Term matched to useful life |
| Upgrade access-control hardware | Equipment financing | Asset-backed |
| Refresh floors and locker rooms | Remodel funding | Finish work |
| Dues settle after rent is due | Line of credit | Reusable |
| Build out a new club | Not offered | Startup capital |
What makes an Anytime Fitness file different
Anytime Fitness publishes a flat monthly royalty rather than a percentage: $842 per month per club for owners of one to nine gyms and $647 per month at ten or more, according to its franchising page. A fixed royalty is easier to plan around than a percentage, and a reviewer will see it as a steady monthly draw. The brand describes 24/7 access and prototypes designed to fit most spaces.
Membership revenue usually arrives as recurring billing deposits clustered around billing dates. That is normal. What changes the picture is existing equipment leases; many clubs carry them, and they directly affect what a new equipment payment can look like. List them all. For more on the sector, see fitness franchise funding.
How fast it moves, and what to send
- Apply in about 4 minutesName Anytime Fitness as your brand, give the store address and say what the money is for.
- Upload statements and IDThree months of business bank statements for the entity that owns the store, plus ID for each owner.
- Decision, usually in 2–4 hoursMerchant Fund Express reviews deposits and existing payments and presents the option that fits.
- FundingSame-day funding is available on approved files; funding often lands the next business day.
A worked example (hypothetical)
An Anytime Fitness owner with one club wants to replace eight treadmills before January sign-ups and has an older equipment lease ending in four months. They ask for $48,000 with the vendor quote. A reviewer would look at recurring billing deposits, the flat royalty and the existing lease, and might set an equipment financing term that starts comfortably and gets easier once the old lease ends.
Hypothetical illustration of how a file is sized, not a past transaction.
Anytime Fitness at a glance (public sources)
From Anytime Fitness's official franchising site. Its pages cited different location counts and capital minimums, so we show only the clearest figures.
Sources: Anytime Fitness franchise · What it takes · Why invest. Checked Oct 2026. Figures change with each disclosure year; confirm current terms with the franchisor. Anything we could not verify is left out.
Owner questions, answered
I already operate a Anytime Fitness location. Can I apply?
Yes. If the club is operating and depositing membership revenue, Merchant Fund Express funds open stores like yours.
What documents do I need?
The application, three months of business bank statements and owner ID. No tax returns to apply.
Can I finance new treadmills and strength equipment?
Yes. Fitness equipment at an operating club is a common equipment financing request.
I own several clubs. How does the review work?
By entity. Clubs under one LLC and account can be reviewed together; separate LLCs are reviewed separately.
Are you affiliated with Anytime Fitness?
No. We are a separate, independent company with no tie to Anytime Fitness or the company that franchises it. Anytime Fitness is named here only so its owners can find a page written for them.
Keep going
Not affiliated with or endorsed by Anytime Fitness or its franchisor. Merchant Fund Express is a separate, independent company; the brand appears here so its owners can find this page. Terms depend on the business's revenue and history.