Meadowfield Business Capital sends the request to funding partners, and a partner that makes an offer sets the amount, rate and term.
This page works through three invented gym costs: fourteen spin bikes on an equipment loan, a used against a new boxing setup at two terms, and a member software switch on a short working capital loan. It ends with ZIP 72756 and Benton County, AR counts for fitness and recreational sports centers from three Census programs.
At a glance
- Fitness centers at ZIP 72756 addresses
3 employer establishments (ZBP 2023, NAICS 713940)
- Benton County, AR centers with fewer than five employees
16 of 41, 39.0% (CBP 2023)
- Annual payroll at those 41 centers
$8,915,000 (CBP 2023)
- Recreation businesses without paid employees
169 nonemployer establishments (NES 2024, NAICS 7139)
Commercial gym financing in Rogers, AR, sorted cost by cost
A gym rarely needs one kind of money. The bikes, the boxing gear and the software each wear out on their own clock, so each one can sit on the product that matches it:
| Cost | How long it serves | Product that can match it |
|---|---|---|
| Spin bikes or treadmills | Several years of daily classes | Equipment financing, the bikes as collateral |
| Heavy bags, a bag frame and a boxing ring | Many years | Equipment financing, new or used |
| Member software switch and staff training | Paid once, used for years | A short working capital loan |
| Coach payroll before new members pay | A few weeks | A line of credit drawn and repaid |
One request can name more than one of these costs as separate lines, so a partner can price each on terms that fit it. Folding bikes that serve for years and a few weeks of coach pay into one figure hides which cost each payment is for. Changes to the building itself, such as new walls, locker rooms or showers, are property work, and this site does not arrange funding for them.
Financing fourteen spin bikes for a Rogers, AR cycling studio
Illustration only, invented figures: a studio prices 14 spin bikes at $1,735 each, $24,290 for the room. At an invented 10.85% annual rate on a 48-month equipment schedule, each invented monthly payment would be $626.02. Across all 48 the invented outlay is $30,048.96, and $5,758.96 of it is interest.
Dividing the invented payment by the bikes gives $44.72 per bike each month. An owner can set that invented figure next to what one class spot brings in, from the studio's own booking reports, before deciding how many bikes to order. A partner may ask for the dealer's quote with the model and serial details and for recent bank statements.
Heavy bags and a boxing ring, used or new, on an equipment loan at a Rogers, AR gym
A boxing floor can be priced two ways. Illustration only, invented figures: eight used heavy bags on a steel bag frame, with a freestanding ring, cost $9,630, and the same setup new costs $15,980. A shorter term fits the used set, since it has fewer years of service left:
| Quote | Invented term and rate | Invented monthly payment | Invented total of payments | Invented interest |
|---|---|---|---|---|
| Used set, $9,630 | 24 months at 12.35% | $454.89 | $10,917.36 | $1,287.36 |
| New set, $15,980 | 48 months at 11.15% | $414.18 | $19,880.64 | $3,900.64 |
In this invented case the used set costs $40.71 more a month than the new one, and its payments end two years sooner. A partner may want photos of the ring's frame and canvas, or an inspection note, before it prices used gear. A ring that bolts into the floor slab would be property work; a freestanding ring on its own base is equipment.
Paying for a member software switch at a Benton County, AR gym
Moving members to new software is a one-time cost with several parts. Illustration only, invented figures:
- Software company's fee for setup and moving member data: $1,450
- Two check-in tablets with stands: $1,180
- Two card readers for the front desk: $690
- Staff training hours paid at the usual wage: $1,265
The invented items total $4,585. On a 9-month working capital loan at an invented 15.2% annual rate, the invented payment is $542.25 a month, with $295.25 of invented interest. The tablets and card readers could sit on an equipment request instead, but at this invented size one short loan keeps the switch on a single schedule. The monthly software subscription after the switch stays a normal operating bill.
Fitness centers at ZIP 72756 and across Benton County, AR, by size
For 2023, ZIP Code Business Patterns places 3 fitness and recreational sports centers at addresses in ZIP 72756 (NAICS 713940). Across Benton County, 16 of the 41 centers with paid staff employed fewer than five people in 2023, and payroll across all of them reached $8,915,000 for the year (County Business Patterns).
Owner-run studios sit in a separate count. Nonemployer Statistics for 2024 lists 169 businesses with no paid employees in the wider recreation group that takes in fitness centers (NAICS 7139). These counts describe the trade; they say nothing about which gyms get funded. The Rogers, AR page carries more local counts, and the industries page lists other trades.
The gym loan article starts one step earlier, with how an operating gym puts a request together before the first call.
By Meadowfield Business Capital ยท Updated