Member management, payment processing, payroll, equipment financing, and insurance picks for gym and studio owners.
Choose member management software first — it drives billing, scheduling, and access control, and everything else integrates around it. ABC Fitness scales from single-location to multi-unit chains; Mindbody dominates boutique studios where consumer discoverability in the app matters. For lenders reviewing equipment financing or a working capital line, you need 12 months of bank statements and a P&L showing membership revenue, personal training packages, and retail sales as separate line items.
End-to-end gym management: member billing, access control, class scheduling, and staff management at scale. Used by thousands of gyms from single-location studios to multi-unit chains.
The dominant scheduling and membership platform for boutique studios — yoga, Pilates, cycling, HIIT. Consumer-facing app with 2.4M+ active users who search for classes directly in Mindbody.
Handles W-2 trainers, 1099 instructors, and hourly front-desk staff in one payroll run. Automated state tax filings and benefits enrollment reduce administrative overhead for lean gym teams.
Equipment financing lets you preserve working capital while acquiring treadmills, free weights, and strength systems. Lenders finance up to 100% of equipment cost with repayment terms matched to useful life — typically 3–7 years.
General liability, commercial property, and professional liability quotes online in minutes — covers member injury claims, equipment damage, and premises liability. COIs issued instantly for landlords and lenders.
No monthly fee, unlimited transactions, and up to 2.0% APY on membership revenue reserves. Keeping gym cash separate from personal accounts is required by lenders reviewing your application.
Membership revenue, personal training packages, and retail sales tracked by category — the P&L format lenders want when you apply for equipment financing or a working capital line.
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ABC Fitness is the most widely adopted platform for full-service gyms with member billing, access control, and staff management. Mindbody is the standard for boutique studios (yoga, Pilates, cycling, HIIT) where consumers discover classes through the Mindbody app's 2.4 million active users.
Equipment financing allows gyms to acquire treadmills, free weights, strength systems, and cardio equipment while preserving working capital. Lenders typically finance 80–100% of equipment cost with 3–7 year repayment terms. The SBA 504 loan program funds major fitness facility equipment at favorable long-term fixed rates.
Gyms require general liability (covers member injury claims and slip-and-fall), commercial property (covers equipment damage), and professional liability (covers personal training claims). Workers' compensation is required in most states. Next Insurance issues COIs for gyms and fitness studios online in minutes.
Gym lenders reviewing equipment financing or working capital loans typically require 12 months of business bank statements, 2 years of tax returns, and a P&L showing membership revenue, personal training revenue, and retail sales separately. QuickBooks Online tracked by revenue category produces this breakdown.
The SBA 504 loan program funds major equipment purchases for fitness facilities — up to $5.5M for eligible projects — with 10-20 year terms and fixed rates.