Should a Florida gym MCA or finance new equipment?

Equipment financing wins on cost. A $50K equipment package financed over 60 months at 10% APR is roughly $1,062/mo. The same $50K as MCA at 1.30 factor over 9 months is $15,000 in fees (~51% APR-equivalent). Equipment financing also doesn't show up as a daily ACH burden — better for future SBA loan applications.

How does MRR-based revenue affect MCA underwriting?

Positively — predictable recurring revenue is easier to underwrite against. Some funders will accept higher daily ACH against MRR than against transactional revenue. Provide member-count + average revenue per member data.

Can a new Florida gym (under 6 months) qualify?

Limited. Accord and specialty MCA shops will fund newer gyms with strong daily deposits, but expect higher factor rates (1.40-1.50). The bigger fix: wait until you have 12 months of statements showing churn stabilized.

Gyms and Fitness Studios funding in Florida — what to expect in 2026

Florida gyms and fitness studios have recurring-revenue models (memberships) that look stable but face high churn and seasonal Q1/Q2 spikes. Funders that understand SaaS-like MRR economics price competitively.

Typical funding range

$10,000 – $250,000 — that's the band most gyms and fitness studios in Florida fall into. Deals smaller than $10K are uncommon (the math rarely works for the funder). Deals over $250K typically require stronger profiles or collateral.

What funders look for

Most funders require 12+ months operating
Monthly revenue floor: $15,000
Credit scores 600+ get A-paper terms; 550+ workable
Churn rate matters more than gross revenue — provide member-count history if available

What to bring to the application

The faster you can ship these to a funder, the faster you close. Most underwriting decisions for gyms and fitness studios in Florida happen in 2–4 hours once docs are complete.

Last 3-6 months of business bank statements
Voided business check
Driver's license for the majority owner
Industry-specific documentation (licensing, certifications) if applicable

The math

A typical gyms and fitness studios deal in Florida lands at a factor rate between 1.25 and 1.42. On a $50,000 advance at 1.32, you'd repay $66,000 over 9–12 months — about $260–$305/day in ACH. Our factor rate calculator lets you plug in your own numbers.

Frequently asked questions

Should a Florida gym MCA or finance new equipment?: Equipment financing wins on cost. A $50K equipment package financed over 60 months at 10% APR is roughly $1,062/mo. The same $50K as MCA at 1.30 factor over 9 months is $15,000 in fees (~51% APR-equivalent). Equipment financing also doesn't show up as a daily ACH burden — better for future SBA loan applications.
How does MRR-based revenue affect MCA underwriting?: Positively — predictable recurring revenue is easier to underwrite against. Some funders will accept higher daily ACH against MRR than against transactional revenue. Provide member-count + average revenue per member data.
Can a new Florida gym (under 6 months) qualify?: Limited. Accord and specialty MCA shops will fund newer gyms with strong daily deposits, but expect higher factor rates (1.40-1.50). The bigger fix: wait until you have 12 months of statements showing churn stabilized.