A real person from our partnership team will reach out directly.
Built to Keep Projects Moving2–4 hrsMost credit decisions come back within hours, helping sales teams maintain momentum. Direct & 25+FPG is a direct lender with access to 25+ strategic funding partners for more ways to get a deal done. $350KApplication-only financing available up to $350,000, subject to credit approval. Dedicated TeamReal people who understand fitness and recreation equipment, equipment sales and vendor programs.
Financing that works at the speed of an equipment sale
Fast decisions matter when a gym is racing a grand opening, a studio wants equipment in before January or a rental company needs inventory before the summer season. Speed alone is not enough — sellers also need flexible structures and people who understand the equipment, the buyer and the project.
The Equipment Seller's Perspective
Financing should help create the yes — not show up after the no.
Your priority is to move equipment, shorten the sales cycle and protect margin. When financing is treated as an afterthought, the buyer may already have decided to keep worn equipment another year, buy used from a closing gym, or cut the order down to what they can pay for today.
Sell the payment against the revenue
Facilities think in memberships, class bookings and rentals. A monthly payment lets the buyer weigh new equipment against the revenue it helps bring in.
Keep the order whole
Presenting financing early keeps the full floor, studio or attraction package together instead of trimmed down to a few pieces now and the rest someday.
Get equipment in before the season
January for fitness and summer for rentals and attractions. Financing helps buyers get equipment in place before the busy season instead of after it starts.
Protect margin
Give customers structure and payment flexibility before discounting the package or absorbing delivery and installation becomes the easiest way to save the deal.
We Speak Fitness & Recreation
Built around the equipment that keeps people coming back
FPG finances new and used fitness and recreation equipment, from a few pieces for a studio to a complete gym or entertainment center. We underwrite the buyer and understand that equipment type, condition, resale value and how the equipment earns can all influence how a transaction should be structured.
Cardio EquipmentTreadmills, ellipticals, bikes, rowers and stair climbers for commercial floors.
Strength & Functional TrainingSelectorized and plate-loaded machines, racks, free weights and functional training rigs.
Studio & Boutique EquipmentIndoor cycling bikes, reformers, rowing studios and group fitness equipment.
Sauna, Cold Plunge & RecoverySaunas, cold plunges, hydro-massage and recovery equipment for gyms and studios.
Inflatables & Party RentalsBounce houses, water slides, obstacle courses, interactive games and rental inventory.
Trampoline, Climbing & PlayTrampoline courts, climbing walls, ninja courses and indoor play structures.
Arcade, Bowling & SimulatorsArcade games, bowling equipment, golf and sports simulators for entertainment centers.
Outdoor Recreation & RentalsRental fleets of e-bikes, kayaks, paddleboards and other outdoor recreation equipment.
Selling a new gym, studio buildout or entertainment center that spans several equipment categories? FPG can structure financing around the complete project rather than one quote at a time.
Why Equipment Sellers Use FPG
One financing relationship. More ways to get the deal done.
FPG combines direct lending, in-house underwriting and a network of strategic funding partners. That gives your sales team more flexibility without forcing them to manage multiple lender relationships on every opportunity.
More flexibility without more complexity
- Direct lending plus access to 25+ strategic funding partners
- Structures for A, B and C credit profiles, including independent gyms, studios and rental operators
- Fast decisions on straightforward transactions
- Support for multi-asset buildouts spanning floors, studios and attractions
- A named finance team that works directly with your sales reps
People who understand the equipment and the sale
Fitness and recreation deals are not generic business financing. The equipment, the opening date, the busy season and how the facility earns all matter. FPG's team works with sellers and buyers to structure the transaction around the equipment and the way the business will run.
Your FPG fitness & recreation finance team
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Jon McBrideSVP, Growth & Strategic Partnerships — Hard Assets
Casey GoodellVP, Strategic Sales & Partner Development
Kristopher TozierVP, Strategic Sales & Partner Development
Flexible Structures
Typical programs are not one-size-fits-all.
The right structure depends on the buyer, the equipment and when the equipment starts earning. FPG can structure the sale around an opening date or a busy season instead of forcing every buyer into the same payment pattern.
Equipment Finance Agreements
Traditional structures for customers that want predictable payments and ownership economics.
Purchase Options
Fixed-term structures designed for customers who intend to own the equipment at the end of the term.
Residual Structures
Options that can reduce scheduled payments when a residual value makes sense for the asset and transaction.
Deferred Payments
Structures that can help a facility get through delivery, setup and opening before regular payments begin.
Seasonal Payments
Payment schedules that can be aligned with busy and slow months, such as the summer rental and event season.
Step Payments
Lower early payments that step up over the term, useful for new facilities building membership after opening.
Multi-Asset & Buildout Packages
One transaction covering cardio, strength, studio and attraction equipment instead of separate paperwork for each quote.
New & Used Equipment
Financing for new equipment and for qualifying used and remanufactured equipment.
Delivery, installation and freight can be included alongside the equipment, so buyers can finance a ready-to-use floor or attraction rather than the equipment alone.
How It Works
From equipment quote to funded sale
Your sales team stays focused on the customer and the next project instead of chasing financing paperwork.
1
Quote the Equipment
Your rep builds the proposal around the facility, the layout and the members or customers the buyer is planning for.
2
Present Financing
Introduce payment options early instead of waiting for a cash flow objection.
3
Customer Applies
The buyer completes the branded application from a phone or desktop.
4
FPG Structures the Deal
We underwrite the opportunity and determine the best available structure.
5
Documents & Funding
FPG handles documents and funds the seller on delivery and acceptance.
6
Sell the Next Facility
Your reps stay focused on buyers, buildouts and the next opportunity.
The goal: make financing part of the sales motion without turning your sales team into a finance department.
Program Capabilities
Everything your team needs to use financing as a sales tool
FPG builds the program around your sales process and supports the tools, training and marketing needed to make financing easy to introduce — in the quote, at a trade show or during a facility walkthrough.
Custom Program Design
A financing structure built around how you sell.
You getA program that supports your margin and close rate
Your reps getSimple guidance for when and how to introduce financing
Co-Branded Financing Assets
Marketing support that helps make financing visible before the objection.
You getAccess to our CMO for special co-branded marketing campaigns and financing content
Your reps getReady-to-use assets that make financing easier to introduce and promote
Sales & Quote Tools
Make monthly-payment selling easier for your team.
You getTools that support payment-based selling without building technology internally
Your reps getA simple way to move from project cost to a financing conversation
Ongoing Enablement
A dedicated finance team that stays engaged after launch.
You getVisibility and support across active financing opportunities
Your reps getSomeone to call when a live deal needs help
Payment-Based Selling
Help customers evaluate the payment, not just the project cost.
Facility owners think in memberships, class packs and bookings. A monthly payment puts the equipment in those same terms, so the conversation shifts from total project cost to how many members or rentals cover it each month.
| Equipment Investment | 36 Months | 48 Months | 60 Months | 72 Months |
|---|---|---|---|---|
| $35,000Example: inflatable rental package or a small studio equipment set | $1,105 | $863 | $718 | $622 |
| $125,000Example: boutique studio buildout or a cardio floor refresh | $3,946 | $3,081 | $2,565 | $2,222 |
| $400,000Example: full gym buildout or an entertainment center attraction package | $12,628 | $9,860 | $8,208 | $7,112 |
Illustrative estimates only. Rates, terms and structures are subject to credit approval and may vary.
Fitness & Recreation Equipment Financing FAQ
Questions equipment sellers ask
Why should our sales team introduce financing before a customer raises a cash flow objection?
Introducing financing earlier gives the buyer more ways to evaluate the purchase. Instead of discussing only project cost, your rep can frame the decision around a monthly payment and compare it against the memberships, bookings or rentals the equipment supports.
Can a full gym or entertainment center buildout be financed in one transaction?
Yes. A project spanning cardio, strength, studio and attraction equipment can be structured as a single transaction rather than separate paperwork for each quote, which also keeps orders from being trimmed down one piece at a time.
Can delivery and installation be included in the financing?
Yes. Delivery, installation and freight can be included alongside the equipment. Amounts and structure are subject to credit approval.
Do you finance inflatables and party rental inventory?
Yes. FPG finances inflatables, interactive games and other rental inventory for party rental and event companies. Seasonal payment structures can align payments with the busy months. Structure and terms are subject to credit approval.
Can FPG help independent gyms, studios and newer operators?
Often, yes. FPG is a direct lender with in-house underwriting and access to 25+ strategic funding partners, so A, B and C credit profiles can be placed. A thinner profile usually means a shorter term or a down payment rather than a decline.
Do you finance used or remanufactured equipment?
Yes. FPG finances new and qualifying used and remanufactured equipment. Age, condition and resale value typically affect the term rather than eligibility.
How fast are decisions?
Most credit decisions come back in two to four hours. Full buildouts, larger projects, unusual structures or more complex credit situations can require additional review.
What happens when a deal does not fit FPG's direct-lending box?
FPG also works with 25+ strategic funding partners. That gives the team additional ways to structure qualifying transactions without forcing the seller to manage separate lender relationships.
When does the seller get paid?
FPG funds your company in full on delivery and acceptance. The purchaser pays FPG based on the agreed terms. You receive payment, and FPG manages the financing from there.
Vendor Partner Result
Financing support that helps create more sales opportunities
30%reported increase in pipeline
“FPG has been instrumental in driving opportunities in our pipeline. Their strategic insights and tailored solutions increased our pipeline by 30%.”— FPG Client | Vendor Partner
The value is not just access to capital. It is giving the sales team another tool to keep an opportunity moving when price, payment structure or credit flexibility could otherwise slow the deal down.
All financing is subject to credit approval. Terms and structures vary based on the customer and transaction. Payment examples shown on this page are illustrative and are not an offer or commitment to lend.