April 7, 2026
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Best Secured Business Loan Lenders for Fitness Gyms

Discover the top secured business loan lenders for fitness gyms in the UK. Learn how to secure funding to grow your gym with competitive rates and flexible terms.
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Best Secured Business Loan Lenders for Fitness Gyms
Abdus-Samad Charles
Finance Writer

Abdus-Samad Charles is a finance writer and the Head of Content at Funding Agent, with four years’ experience creating practical, easy-to-follow, SEO-informed guidance for UK small and medium-sized businesses. He specialises in turning complex funding topics, like eligibility criteria, documentation requirements, approval timelines, and lender expectations, into clear, research-led resources that are easy to find and help business owners make confident, informed decisions.

For UK franchise buyers and operators, this guide compares loan periods and amounts, APRs, and terms across leading providers, with a focus on eligibility and fit. Amounts that could not be verified are left blank, prices accurate as of 2026-03-30.

1. Centruy Business Finance

Centruy Business Finance offers business loans focusing on flexible options to support UK SMEs, particularly those needing to manage cash flow such as fitness gyms. Their products are suitable for franchise buyers or small businesses seeking both secured and unsecured loan solutions. They prioritise speed and adaptable repayment terms, making them a practical choice for businesses requiring predictable funding.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £250,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: 1 to 5 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans, Asset Finance
  • Industries: Fitness, Retail, Hospitality

Pros

  • Fast approval
  • Flexible finance options

Cons

  • APR information not disclosed

Sources: Source

2. Fleximize

Fleximize is a digital lender that offers secured and unsecured loans for UK SMEs, including fitness sector businesses. Their services typically suit franchise buyers and operators who need flexible repayment options and relatively quick access to funds. They focus on transparent, award-winning processes that adapt to diverse borrowing needs.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £500,000
  • Min APR: 0.9%
  • Max APR: 0.9%
  • Loan Duration: Up to 5 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Fitness, Technology, Retail

Pros

  • No early repayment fees
  • Flexible terms

Cons

  • Higher base APR

Sources: Source

3. Millbrook Business Finance

Millbrook Business Finance provides commercial loans and finance products designed to support expansion across various sectors, including fitness. Their offerings suit businesses needing larger loan amounts with flexible repayment durations. They provide secured lending options often requiring collateral, suitable for borrowers focused on growth and competitive rates.

Loan Details

  • Min Amount: £25,000
  • Max Amount: £2,000,000
  • Min APR: 7.5%
  • Max APR: 18.9%
  • Loan Duration: 12 to 60 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Asset Finance
  • Industries: Fitness, Manufacturing, Healthcare

Pros

  • Competitive rates for large loans
  • Versatile finance options

Cons

  • High minimum loan amount

Sources: Source

4. Union Business Finance

Union Business Finance specialises in providing flexible loans tailored to a wide range of UK businesses. Their products are suited for those requiring substantial loan amounts with adaptable repayments over longer periods, and often involve both secured and unsecured options. The lender appeals to borrowers looking for personalised solutions and competitive rates, although APR details may vary.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £5,000,000
  • Min APR: 7%
  • Max APR: 0%
  • Loan Duration: Up to 10 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Fitness, Retail, Transport

Pros

  • High maximum loan amount
  • Rapid decisions

Cons

  • APR cap not defined

Sources: Source

5. Capalona

Capalona acts as a commercial finance broker comparing multiple UK lenders to present business loan options. This makes their service suitable for those wanting to explore a variety of secured and unsecured financing solutions. They offer access to different repayment types and flexibility depending on lender criteria, supporting informed borrowing decisions.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £10,000,000
  • Min APR: 6%
  • Max APR: 15%
  • Loan Duration: 12 to 72 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Fitness, Healthcare, Retail

Pros

  • Wide lender selection
  • Transparent comparison

Cons

  • Acts as a broker

Sources: Source

6. Swoop Funding

Swoop Funding provides a single application platform for various funding types, including secured loans, grants, and equity. They serve UK SMEs seeking options that combine competitive rates with convenience. Their process suits those preferring to compare different solutions through a single, streamlined approach.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £5,000,000
  • Min APR: 3.9%
  • Max APR: 12%
  • Loan Duration: 6 months to 6 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Grants, Equity
  • Industries: Fitness, Technology, Retail

Pros

  • Single application for multiple funding solutions
  • Competitive APR rates

Cons

  • Secured loans require collateral

Sources: Source

7. Portman Finance Group

Portman Finance Group delivers asset and business loans tailored to UK SMEs, including those in fitness and construction. Their solutions suit borrowers looking for flexible lending with various repayment options. The lender aims for a quick funding process combined with competitive loan terms.

Loan Details

  • Min Amount: £5,000
  • Max Amount: £2,000,000
  • Min APR: 6.9%
  • Max APR: 0%
  • Loan Duration: Up to 5 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Fitness, Construction, Retail

Pros

  • Fast funding process
  • Low starting APR

Cons

  • APR cap not listed

Sources: Source

8. Clifton Private Finance

Clifton Private Finance offers business and bridging loans designed with tailored solutions for corporate needs. Their services appeal to businesses requiring a mix of loan products with flexible terms, typically secured against assets. This makes them suitable for franchises and SMEs seeking structured financing over longer durations.

Loan Details

  • Min Amount: £50,000
  • Max Amount: £10,000,000
  • Min APR: 3.75%
  • Max APR: 0%
  • Loan Duration: Up to 10 years ⌛

Services & Industries

  • Finance Types: Secured Loans, Bridging Loans
  • Industries: Fitness, Real Estate, Finance

Pros

  • Access to market-leading rates
  • Tailored financing solutions

Cons

  • High minimum loan threshold

Sources: Source

9. SME Loans

SME Loans focuses on providing quick, flexible unsecured loans typically suited for small to medium-sized UK enterprises. Their products are designed for borrowers seeking rapid access to funds with simple eligibility criteria. This service suits franchise buyers and operators needing straightforward funding without collateral requirements.

Loan Details

  • Min Amount: £1,000
  • Max Amount: £500,000
  • Min APR: 0%
  • Max APR: 0%
  • Loan Duration: Flexible ⌛

Services & Industries

  • Finance Types: Unsecured Loans
  • Industries: Fitness, Retail, Technology

Pros

  • Quick application process
  • Focus on SMEs

Cons

  • Limited loan size

Sources: Source

10. HH Business Finance

HH Business Finance provides bespoke secured and unsecured loan solutions for UK SMEs, including fitness businesses. Their services suit those seeking personal service alongside a range of loan amounts and terms. They emphasise clear communication and tailored repayment plans to support franchise and small business operators.

Loan Details

  • Min Amount: £10,000
  • Max Amount: £1,000,000
  • Min APR: 4%
  • Max APR: 20%
  • Loan Duration: 3 to 60 months ⌛

Services & Industries

  • Finance Types: Secured Loans, Unsecured Loans
  • Industries: Fitness, Automotive, Healthcare

Pros

  • Personalized service
  • Wide loan range

Cons

  • Higher maximum APR

Sources: Source

How to choose

When choosing the best secured business loan lender for fitness gyms, consider the loan amount and repayment terms to fit your gym's cash flow cycles. Check if the lender requires collateral and understand their loan-to-value bands. Speed of approval and flexibility in repayments are crucial, especially for franchise operations. Review the eligibility criteria carefully, including whether the lender focuses on secured loans, unsecured loans, or brokered options. Pay attention to fees, early repayment charges, and overall transparency. Balancing these factors will help you select the right lender for funding your gym business needs.

Conclusion

Matching your funding needs to the right provider type is essential. Banks and direct lenders generally offer predictable terms with secured or unsecured loans. Brokers give access to a broader range of lending options but may include additional steps or costs. Specialist lenders focus on particular industries or loan types, providing tailored solutions. For transparent comparison and guidance, always use services like the Funding Agent. Remember to evaluate providers based on your specific use case to secure a 200 thousand pounds loan that fits your franchise or business model.

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FAQs

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1Centruy Business FinanceCentury Business Finance provides fast, flexible business loans tailored for UK-based SMEs, including gyms, with a focus on cashflow needs.£10,000–£250,000; 0%–0% APR; 1 to 5 years
2FleximizeFleximize is an award-winning digital lender providing tailored secured and unsecured business loans to UK SMEs, including fitness businesses.£25,000–£500,000; 0.9%–0.9% APR; Up to 5 years
3Millbrook Business FinanceMillbrook offers commercial business loans and finance solutions to a variety of industries, supporting growth and competition.£25,000–£2,000,000; 7.5%–18.9% APR; 12 to 60 months
4Union Business FinanceUnion Business Finance specialises in providing loans to UK businesses, with a focus on flexible funding tailored to business needs.£10,000–£5,000,000; 7%–0% APR; Up to 10 years
5CapalonaCapalona is a commercial finance brokerage that compares business loans from various lenders, offering clear options for UK businesses.£1,000–£10,000,000; 6%–15% APR; 12 to 72 months
6Swoop FundingSwoop Funding helps UK businesses access various types of funding through a single application process, offering competitive rates.£10,000–£5,000,000; 3.9%–12% APR; 6 months to 6 years
7Portman Finance GroupPortman Finance Group provides flexible finance solutions for UK SMEs, offering asset and business loans for various industry needs.£5,000–£2,000,000; 6.9%–0% APR; Up to 5 years
8Clifton Private FinanceClifton Private Finance provides business loans and bridging finance with tailored solutions to meet various corporate needs.£50,000–£10,000,000; 3.75%–0% APR; Up to 10 years
9SME LoansSME Loans specializes in providing quick and flexible funding solutions for UK businesses, aimed at supporting small to medium-sized enterprises.£1,000–£500,000; 0%–0% APR; Flexible
10HH Business FinanceHH Business Finance is dedicated to providing bespoke finance solutions for UK SMEs, with a personal touch and transparent terms.£10,000–£1,000,000; 4%–20% APR; 3 to 60 months
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