Gyms carry six-figure equipment and have strong recurring membership revenue. JYNI finds the ones ready to grow.
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Gyms and fitness centers combine two of the most attractive financing characteristics: high recurring revenue from membership fees and consistent equipment financing needs. A commercial gym fitout costs $100,000–$500,000 in equipment. Existing gyms upgrade equipment every 5–7 years as machines wear out. Membership-based revenue creates predictable monthly bank deposits that support MCA and LOC products. CrossFit affiliates, personal training studios, and boutique fitness concepts are opening at record rates — each new location is a $100,000–$300,000 equipment financing event. The combination of recurring revenue, equipment collateral, and systematic bank friction makes gyms a strong niche.
The decision-maker's name and title — the person who can actually say yes, not a front desk.
A checked, direct line — not the business's general reception number.
Deliverable email, ready for JYNI's warmed-domain outreach to run automatically.
Site, location, and market signals so you know the business is a real fit before you reach out.
Target gyms with 12+ months of operation, active membership base, and monthly revenue above $15,000. Recurring membership revenue is the strongest underwriting narrative. Verify membership count and average monthly recurring revenue before pitching. Gyms with EFT (electronic funds transfer) billing — where member payments are drafted automatically — have the most predictable deposit patterns.
Reach gym owners in late morning or afternoon — most are on the floor during morning peak hours. Email and LinkedIn are effective. Lead with: 'I help gyms finance equipment upgrades without draining membership revenue.' Equipment replacement or upgrade is always in the back of every gym owner's mind. New location financing is the larger deal type.
Equipment financing for individual machines runs $10,000–$50,000. Full gym fitouts for new locations run $100,000–$400,000. Large health club renovations can exceed $500,000.
Yes — gyms with consistent monthly EFT membership billing have predictable deposit patterns that are among the best for MCA underwriting.
AI agents search Google Maps, Yelp, fitness industry directories, CrossFit affiliate databases, and local business listings for active gym operators.
California, Texas, Florida, New York, and other high-population states have the most gym locations. Fast-growing metros (Austin, Denver, Nashville, Phoenix) have the highest boutique fitness growth rates.
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