Gym Equipment Financing: Home Gyms, Studios & Commercial Floors

Gym Equipment Financing: Payment Plans for Home Gyms, Studios, and Commercial Floors

Last updated July 2026. Prices verified against the live RecovAthlete catalog.

Gym equipment at RecovAthlete runs $925 to $21,500 per machine, and a full commercial floor lands between $22,000 and $60,000. Nobody finances a single leg curl. They finance a floor. Home buyers spread the cost through Affirm at checkout. Gyms, studios, and PT clinics fitting out a floor go through one of four business lenders on a single application, and financed equipment can still qualify for a Section 179 deduction.

Gym equipment financing lets you spread the cost of strength machines, functional trainers, rope rigs, and cardio over 12 to 60 months. At RecovAthlete, individual machines run $1,270 to $21,500. A commercial floor is 8 to 12 machines and goes on one business lender application.

Price the floor, not the machine. A commercial strength circuit is 8 to 12 stations, not one. Quoting them one at a time is how gym owners end up with four financing applications, four payments, and a worse rate on every one of them. Get one quote for the whole floor and put it on one application.

Key numbers at a glance

  • Gym equipment at RecovAthlete runs $925 to $21,500 per machine.
  • A Powerline BSG10X ($1,270) is approximately $35 a month over 36 months.
  • An EXM4000S multi-station ($7,495) is approximately $208 a month over 36 months.
  • A Body-Solid T50 treadmill ($1,385) is approximately $23 a month. A T150 commercial treadmill ($4,195) is approximately $70 a month.
  • An 8-station Pro Clubline commercial circuit is roughly $22,380.
  • A complete commercial floor, 11 strength stations plus cardio, lands near $44,240.
  • Finance the floor on one application, not machine by machine. Eight applications means eight hard inquiries and a worse rate on every one.
  • Gym equipment and recovery equipment finance on the same paper, through the same four lenders. RecovAthlete quotes both on one purchase order.
RecovAthlete has no control over any financing decision. Approval is based on your creditworthiness and is solely the lender's decision.

Financing at a Glance

From $35/month Body-Solid Powerline BSG10X Single Stack Gym ($1,270) over 36 months, assuming 0% APR. Affirm rates range 0% to 36% based on credit.
0% to 36% APR Via Affirm at checkout. 0% is available on select terms for qualified buyers.
Full floor $22K to $60K An 8-station Pro Clubline circuit is roughly $22,380. Add functional, smith, and cardio and a complete floor lands near $44,240.
Section 179 eligible Financed gym equipment can qualify for deduction in the year placed in service. Confirm with your CPA.

Can You Finance Gym Equipment for Home Use?

Quick answerYes. Gym equipment at RecovAthlete runs $925 to $21,500 per machine. That covers the Powerline BSG10X ($1,270) through the EXM4000S multi-station ($7,495). Add it to the cart and select Affirm at checkout. Affirm rates range from 0% to 36% APR based on credit.

Buying gym equipment for a home or garage setup? Whether it is a Powerline BSG10X single stack ($1,270), a Body-Solid G3S selectorized home gym ($2,260), or an EXM4000S multi-station ($7,495), Affirm lets you spread the cost at 0% to 36% APR depending on your credit profile. Add it to the cart and choose Affirm at checkout.

How to read the payment figures on this page. Affirm rates range from 0% to 36% APR based on your credit profile. 0% APR is available on select terms for qualified buyers. The payment figures below assume 0% APR and are shown for comparison only. Your actual rate and monthly payment are confirmed by Affirm at checkout, before you commit. Prices verified against the live catalog July 2026.

The two Affirm payment options

Pay in 4 (0% APR)

Split the purchase into 4 interest-free payments, charged every 2 weeks. No interest, no fees. Minimum purchase $35.

Monthly Installments (0% to 36% APR)

Spread the cost over 3, 6, 12, 18, 24, or 36 months. Rate depends on credit profile and term.

What Is the Monthly Payment on a Home Gym?

Quick answerAssuming 0% APR for comparison, a Powerline BSG10X ($1,270) is approximately $35 a month over 36 months. A Body-Solid G3S ($2,260) is approximately $38 a month. A G10B multi-stack ($4,595) is approximately $77 a month. An EXM4000S ($7,495) is approximately $125 a month. Affirm rates range 0% to 36% APR, so actual payments may be higher. On cardio, a T50 walking treadmill ($1,385) is approximately $23 a month, a T150 commercial treadmill ($4,195) is approximately $70 a month, and an R300 rower ($925) is approximately $15 a month.
Product Price 12 mo (est.) 24 mo (est.) 36 mo (est.)
Body-Solid Powerline BSG10X Single Stack Home Gym $1,270 $106/mo $53/mo $35/mo
Body-Solid Powerline Home Gym P2X $1,535 $128/mo $64/mo $43/mo
Body-Solid Powerline PFT100 Functional Trainer $1,595 $133/mo $66/mo $44/mo
Total Gym ELEVATE Row $1,595 $133/mo $66/mo $44/mo
Body-Solid G3S Selectorized Home Gym $2,260 $188/mo $94/mo $63/mo
Body-Solid GDCC200 Functional Training Center $1,875 $156/mo $78/mo $52/mo
Body-Solid Deluxe Cable Crossover GDCC250 $2,770 $231/mo $115/mo $77/mo
Body-Solid G5B Single Stack Gym $3,360 $280/mo $140/mo $93/mo
Body-Solid G10B Bi-Angular Multi-Stack Gym $4,595 $383/mo $191/mo $128/mo
Body-Solid EXM3000LPS Home Gym $4,705 $392/mo $196/mo $131/mo
Body-Solid Fusion 600 Personal Trainer F600 $4,145 $345/mo $173/mo $115/mo
Body-Solid EXM4000S Multi-Station Home Gym $7,495 $625/mo $312/mo $208/mo
Body-Solid Endurance R300 Rower $925 $77/mo $39/mo $26/mo
Body-Solid Endurance B4UB Upright Bike $1,155 $96/mo $48/mo $32/mo
Body-Solid Endurance B4RB Recumbent Bike $1,335 $111/mo $56/mo $37/mo
Body-Solid Endurance T50 Walking Treadmill $1,385 $115/mo $58/mo $38/mo
Cascade CMXPro Exercise Bike $1,595 $133/mo $66/mo $44/mo
Cascade Rower $1,845 $154/mo $77/mo $51/mo
Cascade Compass Indoor Bike $1,895 $158/mo $79/mo $53/mo
Body-Solid T25 Folding Treadmill $1,965 $164/mo $82/mo $55/mo
Body-Solid Endurance E400 Elliptical Trainer $2,125 $177/mo $89/mo $59/mo
Cascade CMXPro Power Exercise Bike $2,095 $175/mo $87/mo $58/mo
Cascade Air Rower Mag $2,295 $191/mo $96/mo $64/mo
Cascade Air Bike Unlimited $2,345 $195/mo $98/mo $65/mo
Cascade Air Bike Unlimited Mag $2,575 $215/mo $107/mo $72/mo
Body-Solid Endurance E5000 Premium Elliptical $2,860 $238/mo $119/mo $79/mo
Cascade Climber Cross Crawl $3,045 $254/mo $127/mo $85/mo
Ropeflex RX3200 Addax Rope Rowing Machine $3,695 $308/mo $154/mo $103/mo
Body-Solid Endurance T150 Commercial Treadmill $4,195 $350/mo $175/mo $117/mo
Cascade Ultra Runner Treadmill $5,045 $420/mo $210/mo $140/mo
RopeFlex RX4405 Tread Ascender $5,195 $433/mo $216/mo $144/mo
Ropeflex RX3300 Vortex Dual Drum Rowing Machine $5,795 $483/mo $241/mo $161/mo
Cascade Ultra Runner Plus Treadmill $6,095 $508/mo $254/mo $169/mo
Ropeflex RX4400 Spartan Rope Climbing Tread Machine $7,495 $625/mo $312/mo $208/mo
A commercial floor is a different exercise entirely. Body-Solid's Pro Clubline is the commercial-rated selectorized line, and a gym floor is 8 to 12 of those stations, not one. See the commercial floor table below. Call 866-861-6317 for a floor quote before you apply, because the quoted number is what goes on the application.

What you should know about Affirm before you apply

  • No hidden fees. Affirm shows your APR and total repayment before you confirm. That figure does not change.
  • No late fees and no prepayment penalty. Pay off the balance early at any time at no extra cost.
  • Soft credit check first. Checking your rate does not affect your credit score. A hard inquiry occurs only if you proceed with a monthly plan.
  • Instant decision. Most applications return a decision in seconds at checkout.
  • Credit reporting. Affirm reports to Experian and TransUnion. On-time payments help build credit.
  • US shipping address required.

How Does a Gym or Studio Finance a Commercial Floor?

Quick answerA gym, studio, or PT clinic finances a commercial floor through Brickhouse Capital (up to $250,000 on a one-page application, which covers a complete fit-out) or Reliant Capital (2 to 4 hour approval). The critical move is financing the whole floor on one application rather than machine by machine. An 8-station Pro Clubline circuit is roughly $22,380, and a complete floor with functional training, smith, and cardio lands near $44,240.

Fitting out a gym floor, a boutique studio, or a PT clinic? This is a multi-machine order, not a single purchase, and it exceeds what consumer financing comfortably covers. Body-Solid's Pro Clubline is the commercial-rated line, Ropeflex builds the rope training rigs, and Total Gym's ELEVATE line is what most PT clinics and small studios standardize on. An 8-station Pro Clubline circuit is roughly $22,380. A complete floor with functional training, a smith machine, and cardio lands near $44,240. All four lenders below handle that range on one application.

The four business lenders compared

Lender Max without financials Max with financials Approval speed Underwrites Best for
Brickhouse Capital $250,000 (one-page application) $1M or more Within 24 hours The business, not personal credit Established practices that want ownership via an EFA
Reliant Capital Group $500,000 (application-only) Up to $5M 2 to 4 hours Practice cash flow Medical and wellness businesses, multi-location rollouts
Acorn Finance $100,000 Not applicable 60 seconds to prequalify Personal credit, 30+ lender marketplace Smaller tickets and soft-check comparison shopping
KWIPPED (APPROVE) Varies by lender bid Varies by lender bid 2 to 3 days for bidding Competitive lender bid Larger deals where a lower APR is worth the wait

Apply with 2 or more lenders to compare offers. Each one underwrites differently, so a decline from one is not a decline from all, and two offers give you a rate to negotiate against.

Brickhouse Capital
Equipment Financing
  • Private direct lender since 2003
  • Up to $250K with a one-page application, no financial statements
  • Up to $1M or more with financials
  • Approval typically within 24 hours
  • Lease or Equipment Finance Agreement (EFA) options
  • Underwrites the business, not your personal credit report
Call 866-861-6317 to apply
Reliant Capital Group
Equipment Leasing and Financing
  • Financing and leasing for medical, aesthetic, and wellness businesses
  • Up to $500K application-only, up to $5M with financials
  • New or used equipment
  • 3 to 24 month deferred payment options
  • 2 to 4 hour credit approvals
Apply with Reliant Capital
Acorn Finance
Lending Marketplace
  • Connects you with 30 or more lenders on one application
  • Loans from $1,000 to $100,000
  • Prequalify in 60 seconds with no impact to your credit score
  • Compare multiple offers side by side
  • No early repayment penalties
  • Funds can arrive as soon as 1 business day after approval
Check offers with Acorn Finance
KWIPPED (APPROVE)
Lender Marketplace
  • Sends your application to a network of equipment finance companies
  • Lenders compete to earn your business, which drives better rates
  • 60-second application, up to 3 offers to compare
  • Terms from 12 to 60 months
  • Roughly 5% to 25% equivalent APR
  • Minimum equipment value $1,500. Businesses only.
Call 866-861-6317 for custom setup
Why apply with 2 lenders? Each one underwrites differently. Brickhouse focuses on business credit. Reliant considers practice cash flow. Acorn shops 30 or more retail lenders. KWIPPED runs a competitive bid. Applying with 2 gives you a rate to compare against and a fallback if one declines.

What Does a Commercial Gym Floor Cost Per Month?

Quick answerAn 8-station Pro Clubline circuit ($22,380) is approximately $373 a month over 60 months before interest. An 11-station floor ($35,850) is approximately $598 a month. A complete floor with cardio ($44,240) is approximately $737 a month. Equipment financing typically carries roughly 5% to 25% equivalent APR, so real payments run higher.
How to read this table. Figures below divide the equipment total across the term for comparison. They exclude interest, which applies on most commercial paper. Equipment financing typically runs roughly 5% to 25% equivalent APR depending on lender, credit, and term. They also exclude flooring, mirrors, freight, and installation, which are real costs on a gym fit-out and are not always eligible for equipment financing. Call RecovAthlete for a real floor quote.
Total project cost 36 mo (est.) 48 mo (est.) 60 mo (est.) Typical buyer
$7,495 $208/mo $156/mo $125/mo Single anchor machine. An EXM4000S multi-station or a Ropeflex RX4400 rope tread.
$11,275 $313/mo $235/mo $188/mo Total Gym ELEVATE Circuit. Small studio or PT clinic, complete in one SKU.
$15,271 $424/mo $318/mo $255/mo Total Gym ELEVATE Super Circuit. Larger clinic or boutique studio.
$21,500 $597/mo $448/mo $358/mo RopeFlex RX8100 Spartan Rig. Group training and functional fitness centerpiece.
$22,380 $622/mo $466/mo $373/mo 8-station Pro Clubline selectorized circuit. The core of a commercial strength floor.
$35,850 $996/mo $747/mo $598/mo 11-station floor. Adds S2FT functional trainer, SCB1000 smith, and S2CCO crossover.
$44,240 $1,229/mo $922/mo $737/mo Complete commercial floor. 11 strength stations plus treadmill, elliptical, and bike.

Equipment Loan or Lease for a Commercial Gym Floor?

Quick answerFor a commercial gym floor, an Equipment Finance Agreement gives ownership from day one and the cleanest Section 179 position. Gym equipment holds up for a decade or more, so most operators want to own it rather than lease. A working capital loan often runs alongside it, because flooring, mirrors, and installation are not equipment costs and some lenders will not fund them.
Option Ownership Monthly Cost Tax Treatment Best For
Equipment Loan (EFA) Immediate, day one Higher May qualify for Section 179 Businesses wanting ownership and the strongest tax position
$1 Buyout Lease End of term for $1 Medium Depreciation deductible over term Businesses managing cash flow in year one
Fair Market Value Lease Optional purchase at end Lower Lease payments as operating expense Businesses that want to upgrade equipment regularly
Working Capital Loan Not applicable, cash for buildout Higher rate Interest deductible as a business expense Buildout costs beyond the equipment: room prep, electrical, plumbing

Does Section 179 Apply to Financed Gym Equipment?

Quick answerYes, financed gym equipment can qualify for Section 179. Financing does not by itself disqualify it. The equipment must be placed in service, not just ordered, within the tax year. Annual limits and eligibility rules are set by the IRS and change year to year, so confirm with your CPA.

Section 179 and financed equipment

Section 179 lets US businesses deduct the cost of qualifying equipment, including financed equipment, in the year it is placed in service. Financing the purchase does not by itself disqualify it. Annual limits, phaseout thresholds, and eligibility rules are set by the IRS and change year to year. Confirm the current-year figures and your eligibility with your CPA before making an equipment decision based on tax treatment.

Financed equipment can qualify Financing does not by itself disqualify equipment from a Section 179 deduction. The equipment must be placed in service, not just ordered, within the tax year.

Illustrative example 1, boutique studio strength circuit: an 8-station Pro Clubline circuit (chest press $2,780, shoulder press $2,095, lat pulldown and row $2,725, leg extension and curl $3,010, leg curl $2,395, inner and outer thigh $2,545, assisted chin dip $3,820, cable column $3,010) = $22,380. Assuming the full amount qualifies and a 32% marginal tax rate, the deduction would reduce tax by approximately $7,162, putting effective cost near $15,218. Your figures will differ.

Illustrative example 2, complete commercial floor: the 8-station circuit plus an S2FT functional trainer ($5,215), an SCB1000 smith machine ($2,660), an S2CCO cable crossover ($5,595), a T150 commercial treadmill ($4,195), an E5000 elliptical ($2,860), and a B4RB recumbent bike ($1,335) = $44,240. On the same assumptions, the deduction would reduce tax by approximately $14,157, putting effective cost near $30,083. One quote, one application, one payment.

Consult your CPA before making equipment decisions based on tax strategy. Rules change and individual circumstances vary. This is general information, not tax advice.

Which Gym Equipment Line Do You Need?

Quick answerBody-Solid covers home through commercial. The Powerline line ($1,270 to $1,595) is entry level, the G-series ($2,260 to $4,899) is the serious home tier, and Pro Clubline is the commercial-rated selectorized line that gym floors are built from. Total Gym's ELEVATE line is the PT clinic and boutique studio standard, and the Super Circuit ($15,270.95) is a complete floor in one SKU. Ropeflex builds the rope training rigs, up to the RX8100 Spartan Rig ($21,500).
Home or garage gym
Affirm, from approx. $35/month at 36 months

The Powerline BSG10X ($1,270) is the entry point. The G3S selectorized ($2,260) is the one most home buyers actually want. Roughly $35 to $63 a month over 36 months, assuming 0% APR.

Cardio for home or garage
Affirm, from approx. $26/month at 36 months

A Body-Solid R300 rower ($925), a B4RB recumbent bike ($1,335), or a T50 walking treadmill ($1,385). Roughly $26 to $38 a month over 36 months, assuming 0% APR. Step up to a T25 folding treadmill ($1,965) or an E400 elliptical ($2,125) if you want more machine.

Commercial cardio floor
Brickhouse Capital or Reliant Capital

The T150 commercial treadmill ($4,195) and E5000 elliptical ($2,860) are the Body-Solid commercial cardio line. Cascade covers air bikes, rowers, and climbers, up to the Ultra Runner Plus treadmill ($6,095). Put cardio on the same quote as the strength floor.

Serious home setup
Affirm, 12 to 36 month terms

The G10B bi-angular multi-stack ($4,595) or the EXM4000S multi-station ($7,495). Roughly $128 to $208 a month over 36 months, assuming 0% APR. Add the LP40S leg press option ($2,295) if the floor space allows.

PT clinic or rehab practice
Brickhouse Capital or Reliant Capital

Total Gym's ELEVATE line is the clinical standard. The Encompass Clinical Complete Package ($5,295) or the ELEVATE Circuit ($11,275) covers a treatment floor in one SKU, which makes the financing application simple.

Boutique or movement studio
Brickhouse Capital or Acorn Finance

The Total Gym ELEVATE Super Circuit ($15,270.95) is a complete studio floor in one line item. Alternatively an 8-station Pro Clubline circuit at roughly $22,380 gives you a conventional strength floor.

Commercial gym floor
Brickhouse Capital or KWIPPED

Pro Clubline Series II is the commercial-rated selectorized line. A full floor with functional training, smith, and cardio lands near $44,240. Brickhouse funds up to $250,000 on a one-page application, which covers a complete fit-out comfortably.

Functional fitness or group training
KWIPPED or Reliant Capital

Ropeflex is the rope training line. The RX8100 Spartan Rig ($21,500) is the group training centerpiece. The RX2500T tri-station ($10,995) and RX4400 rope tread ($7,495) are the mid-tier. KWIPPED's competitive bid usually returns the best APR at that size.

Gym adding a recovery room
One application, both categories

This is the one most operators miss. Sauna, cold plunge, red light, and vibration finance on the same paper as the strength floor, through the same four lenders. RecovAthlete quotes both on one purchase order. One approval, one payment, and recovery is what members actually renew for.

Multi-location operator
Reliant Capital

Standardizing a floor spec across sites. Reliant handles up to $5M with financials and does 2 to 4 hour credit approvals.

How Do You Apply for Gym Equipment Financing?

Quick answerFor a home gym, add it to the cart and select Affirm at checkout. Decision in 60 seconds. For a commercial floor, call RecovAthlete at 866-861-6317 for a single quote covering every machine, freight, and install, then apply with 2 of the 4 business lenders using that one number. Do not apply machine by machine. If you are also adding a recovery room, put it on the same quote.
  1. Call RecovAthlete first. For multi-unit or multi-category orders, call 866-861-6317 for bulk pricing before applying. The quoted price is what goes on the financing application.
  2. Choose 2 lenders. Applying with 2 lets you compare offers before signing.
  3. Pre-qualify online. All four lenders offer pre-qualification with a soft credit check.
  4. Prepare your documents. Typically needed: business EIN, recent bank statements, proof of revenue, and a formal quote from RecovAthlete.
  5. Submit and await approval. Brickhouse Capital: 24 hours. Reliant Capital: 2 to 4 hours. Acorn Finance: minutes. KWIPPED: 2 to 3 days for lender bidding.
  6. Receive the equipment. Once approved and the order is placed, delivery proceeds on the normal schedule.

When Should You Not Finance Gym Equipment?

Quick answerDo not finance gym equipment machine by machine. Eight separate applications means eight hard inquiries, eight payments, and a worse rate on each because every ticket is small. Also do not finance a commercial floor before you have measured ceiling height, confirmed floor loading, and signed the lease. Equipment financing funds against a delivery, and a floor in storage is a payment with no revenue behind it.

Financing works for most buyers. Five situations where paying cash or waiting is smarter.

  • You are financing machine by machine. This is the most expensive mistake on this page. Four separate applications means four hard inquiries, four payments, and a worse rate on each because every ticket is small. Get one floor quote from RecovAthlete, put it on one application, and you will get a better rate on a bigger number. Call 866-861-6317 before you apply, not after.
  • You have not measured the ceiling height. A Pro Clubline S1000 four-stack gym, a smith machine, and most rope rigs need real vertical clearance. A basement or a converted retail unit with a low drop ceiling will not take them. Measure before you order, because financing paperwork will not fix a room that is too short.
  • You have not checked floor loading. A commercial selectorized circuit is thousands of pounds of steel and weight stacks concentrated in one room. On a suspended floor or an upper level, confirm the structure takes it. This is a structural question, not an equipment question.
  • You can pay cash without touching reserves. For a home gym under $3,000, if the cash is sitting idle, financing adds paperwork and, unless you land a 0% term, interest. Businesses are often the exception because of the Section 179 position. Confirm with your CPA.
  • You are opening on a plan, not a lease. Do not finance a commercial floor before the lease is signed. Equipment financing funds against a delivery, and a floor sitting in storage while you negotiate a lease is a payment with no revenue behind it. Get the keys, then order.

Gym Equipment Financing FAQ

Can I finance gym equipment at RecovAthlete?
Yes. Individual machines run $925 to $21,500, and home buyers finance at checkout through Affirm. Gyms, studios, and clinics fitting out a floor apply through Brickhouse Capital, Reliant Capital, Acorn Finance, or KWIPPED. RecovAthlete carries Body-Solid, Ropeflex, Total Gym, and Motive Fitness.
What is the monthly payment on a home gym?
Assuming 0% APR via Affirm, for comparison: a Powerline BSG10X ($1,270) is approximately $35 a month over 36 months. A Body-Solid G3S ($2,260) is approximately $38 a month. A G10B multi-stack ($4,595) is approximately $77 a month. An EXM4000S ($7,495) is approximately $125 a month. Affirm rates range from 0% to 36% APR based on credit, so your actual payment may be higher.
What is the monthly payment on a treadmill?
Assuming 0% APR via Affirm, for comparison: a Body-Solid T50 walking treadmill ($1,385) is approximately $38 a month over 36 months. A T25 folding treadmill ($1,965) is approximately $33 a month. A T150 commercial treadmill ($4,195) is approximately $70 a month. A Cascade Ultra Runner ($5,045) is approximately $84 a month. Affirm rates range from 0% to 36% APR based on credit, so your actual payment may be higher.
Can I finance a rowing machine, bike, or elliptical?
Yes. A Body-Solid R300 rower ($925) is approximately $26 a month over 36 months at 0% APR. A B4UB upright bike ($1,155) is approximately $19 a month. A B4RB recumbent bike ($1,335) is approximately $22 a month. An E400 elliptical ($2,125) is approximately $35 a month. An E5000 premium elliptical ($2,860) is approximately $48 a month. Cascade air bikes, rowers, and climbers run $1,595 to $3,045.
How much does it cost to equip a commercial gym floor?
An 8-station Pro Clubline selectorized circuit is roughly $22,380. Adding an S2FT functional trainer, an SCB1000 smith machine, and an S2CCO cable crossover brings an 11-station floor to roughly $35,850. Add a commercial treadmill, elliptical, and bike and a complete floor lands near $44,240. That excludes flooring, mirrors, freight, and installation. Call 866-861-6317 for a real floor quote.
Can I finance a whole gym floor on one application?
Yes, and you should. This is the single biggest saving on this page. Brickhouse funds up to $250,000 on a one-page application, which covers a complete fit-out. One application means one hard inquiry, one payment, and a better rate than financing eight machines separately. Get a single floor quote from RecovAthlete and put the whole number on one application.
Can I finance gym equipment and recovery equipment together?
Yes. Sauna, cold plunge, red light, and vibration go through the same four business lenders on the same paper as a strength floor, and RecovAthlete quotes both on one purchase order. A gym adding a recovery room finances it as one project. See our commercial recovery equipment financing page.
Does Section 179 apply to financed gym equipment?
Financed equipment can qualify. Section 179 lets US businesses deduct the cost of qualifying equipment in the year it is placed in service, and financing the purchase does not by itself disqualify it. Annual limits and eligibility rules are set by the IRS and change year to year. Consult your accountant.
Can freight and installation be financed?
Freight, yes. For Affirm, delivery is included in the order total at checkout. For business financing, put freight on the RecovAthlete quote and the whole quote amount goes on the application. Installation and flooring are trickier, because some equipment lenders will not fund non-equipment costs. A working capital loan alongside the equipment financing is the usual answer. Ask the lender before you sign.
Can I pay off my plan early?
Yes. Affirm charges no prepayment penalties. Acorn Finance and most business lenders also allow early payoff without penalty.

Fitting out a floor? Get one quote, not eight.

Book a free 30-minute consultation with RecovAthlete and we will help you work out the best path based on:

  • Floor quote one number for the whole fit-out, so it goes on one application instead of eight
  • Ceiling height and floor loading checked before you order, not after the freight arrives
  • Pro Clubline vs Total Gym vs Ropeflex which line actually fits your space and your members
  • Recovery room add-on sauna, cold plunge, and red light on the same purchase order
  • Lender fit which 2 of the 4 to apply with based on your business profile
  • Section 179 discussion so you can take the numbers to your CPA

Three ways to reach RecovAthlete:

Call 866-861-6317, Monday to Friday, 9am to 6pm EST. Live team, no phone tree.
Book a 30-minute consultation, pick your time and we send a Zoom link and a pre-call questionnaire.
info@recovathlete.com for written questions

Prices verified July 2026. Financing terms subject to lender approval and creditworthiness. Actual APR, monthly payment, and term length depend on credit score, income, and lender-specific criteria. Payment figures shown assume 0% APR and are for comparison only. Section 179 information is general and is not tax advice. Limits and eligibility rules are set by the IRS and change year to year. Consult a CPA for your specific situation. RecovAthlete has no control over any financing decision. Approval is solely the lender's decision.