Financing for Recovery and Fitness Equipment
Buying for yourself, spread the cost through Affirm at checkout. Buying for a gym, clinic, spa, or studio, apply with one of four business lenders and put the whole room on a single application.
RecovAthlete has no control over any financing decision. Approval is based on your creditworthiness and is solely the lender's decision.
Personal purchase
Affirm at checkout. Rates run 0% to 36% APR based on your credit profile. Soft check to prequalify, so no impact on your score. No prepayment penalty.
Business purchase
Brickhouse Capital, Reliant Capital, Acorn Finance, or KWIPPED. Apply with two of the four and compare. Financed equipment can qualify for a Section 179 deduction. Confirm with your accountant.
Financing by Equipment Category
Every page below has real prices, real monthly payment examples, and the lender comparison for that category. Pick the one you are buying.
Hyperbaric Chamber Financing
Soft-shell and hard-shell HBOT chambers. Session-volume payback math for clinics.
Sauna Financing
Infrared, traditional, barrel, and commercial saunas.
Cold Plunge Financing
Home tubs through commercial chillers and Medical Frozen units.
Red Light Therapy Financing
Panels, pods, and full-body beds for home and clinic.
PEMF Therapy Financing
PEMF mats, systems, and practitioner devices.
Vibration Plate Financing
Whole body vibration platforms for home, studio, and clinic.
Gym Equipment Financing
Home gyms through full commercial strength floors. Finance the floor, not the machine.
Treadmill Financing
Walking pads, commercial belts, and self-powered curved decks.
Commercial Recovery Equipment Financing
Building a recovery room? One quote, one purchase order, one application.
Building a Recovery Room?
Most business buyers are not buying one machine. They are building a room. Sauna, cold plunge, red light, vibration, hyperbaric, cryotherapy, and halotherapy all finance on the same paper through the same four lenders, and RecovAthlete quotes every category on one purchase order.
That means one freight schedule, one install window, and one financing application instead of six. It also gets you a better rate, because a bigger number on one application beats six small ones with six hard inquiries.
See commercial recovery equipment financing, or call 866-861-6317 and we will price the room.
Which Lender Should You Apply With?
| Lender |
Type |
Amount |
Speed |
Best for |
| Affirm |
Consumer, at checkout |
Order total |
Seconds |
Personal purchases. 0% to 36% APR based on credit. Soft check to prequalify. |
| Brickhouse Capital |
Direct equipment lender |
Up to $250K on a one-page application, $1M+ with financials |
~24 hours |
A full room or a full floor. Credit decisions made in-house. Tied to the business, not your personal credit report. |
| Reliant Capital |
Lender and broker |
Up to $500K application-only, $5M with financials |
2 to 4 hours |
Medical, aesthetic, and wellness. Deferred payment options. New or used equipment. |
| Acorn Finance |
Lending marketplace |
$1,000 to $100,000 |
60 seconds to prequalify |
Comparing offers. One application goes to 30 or more lenders with no impact to your score. |
| KWIPPED (APPROVE) |
Lender marketplace |
Minimum $1,500 equipment value |
60-second application |
Larger commercial orders. Lenders compete, which usually returns the best APR. Businesses only. |
Apply with two of the four and compare. It costs nothing and the spread between offers is often significant.
Apply now
Apply with Brickhouse Capital
Apply with Reliant Capital
Check your offers with Acorn Finance
For KWIPPED, call 866-861-6317 or email info@recovathlete.com and we will build the application around your order.
Financing Questions
What are Affirm's rates?
Pay in 4 splits the purchase into four interest-free payments charged every two weeks. Monthly installments spread the cost over a longer term, with rates from 0% to 36% APR depending on your credit profile. You see the exact terms before you agree to anything. No origination fees, no prepayment penalty, no late fees.
Will applying hurt my credit score?
Prequalification does not. Affirm and Acorn Finance both run a soft check to show you offers, which has no impact on your score. Proceeding with a monthly installment plan or a business loan may involve a hard inquiry. That is why it pays to prequalify with more than one lender first and only proceed with the best offer.
Can I finance equipment for a business?
Yes, and for most business buyers it is the better route. Brickhouse funds up to $250,000 on a one-page application with no financial statements. Reliant approves in 2 to 4 hours. Business financing is usually tied to the business rather than your personal credit report, and financed equipment can qualify for a Section 179 deduction. Confirm the tax position with your accountant.
Should I finance each machine separately?
No. This is the most common and most expensive mistake. Separate applications mean separate hard inquiries, separate payments, and a worse rate on each, because every individual ticket is small. Get one quote from RecovAthlete covering everything you are buying, including freight, and put that single number on one application.
Does Section 179 apply to financed 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. The equipment must be in service, not merely ordered, within the tax year. Annual limits and eligibility rules are set by the IRS and change year to year, so consult your accountant.
Can freight and installation be financed?
Freight, yes. On Affirm it is part of the order total at checkout. On business financing, put freight on the RecovAthlete quote and the whole quote amount goes on the application. Installation and room construction are harder, because some equipment lenders will not fund non-equipment costs. Ask the lender before you sign.
Can I pay off early?
Yes. Affirm charges no prepayment penalties. Acorn Finance and most business lenders also allow early payoff without penalty.
Not sure which option fits?
Tell us what you are buying and whether it is personal or for a business. We will point you at the right two lenders and quote freight and install as one number, which is also the number that goes on the application.
Call 866-861-6317
Book a 30 minute call
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