How gyms and fitness studios underwrites
What differs here from the general order underwriters work in.
- Membership revenue is genuinely recurring and genuinely predictable, which is the strongest thing in the file. Monthly billing produces the cleanest deposit pattern in this list.
- Annual prepayments are a liability, not a windfall. A funder seeing a January spike wants to know whether that is growth or twelve months of service sold in advance.
- Churn is the number that actually matters and almost never appears in a file. A studio replacing 6% of members a month is a different business from one replacing 2%.
- Equipment is usually financed and already secured, so there is rarely unencumbered collateral behind the advance.
The general order underwriters work in is covered in what funders actually look at. The points above are what differs here.
Why gyms and fitness studios deals get declined
Screen for these on the first call.
- Heavy reliance on annual prepayments that inflate a single month
- Membership churn visible as a declining deposit trend
- Equipment finance holding a prior lien across the floor
- Studios in build-out or their first six months, which fail the time-in-business floor
Funder appetite
Which funders want this paper, and when.
Improving but selective. The recurring billing model is attractive; the deferred revenue and the post-pandemic memory are not. Boutique studios with high per-member revenue place more easily than large-format low-price gyms.
Seasonality
The sharpest new-year effect of any vertical. January and February sign-ups are two to three times a normal month, and the attrition shows up in April and May. A file built on Q1 numbers overstates the business badly.
How we handle verticals
Leads are assigned in rotation off live traffic, not picked from a menu — we cannot promise a pure order of any single industry. What we can do is tell you honestly whether the volume exists to weight your leads toward gyms and fitness studios, before you spend anything.
Exclusive-lead minimums
Every exclusive lead clears all of these, whatever the vertical. The minimums apply to exclusive leads only.
- Over $30,000/month in revenue
- Requesting over $15,000
- 6+ months in business
- 4 months of bank statements available
- U.S.-based
- Mobile-verified by 6-digit code
- Complete contactable record
Questions
What revenue do gyms and fitness studios leads typically show?
$30K–$120K/month for independents and single-location studios, with advances typically landing at $20K–$60K. Every exclusive lead clears the same 7 minimums regardless of vertical.
Can I get only gyms and fitness studios leads?
Weighted toward gyms and fitness studios, yes, where volume allows; a guaranteed order of only gyms and fitness studios leads, no — leads are assigned in rotation. They come off live traffic rather than a menu, so a pure single-industry order is not something we can honestly promise. Weighting needs the volume to support it, and we will tell you plainly before you order whether it does.
Why do gyms and fitness studios deals get declined most often?
Heavy reliance on annual prepayments that inflate a single month, most commonly. The others worth screening for on the first call are membership churn visible as a declining deposit trend, equipment finance holding a prior lien across the floor, studios in build-out or their first six months, which fail the time-in-business floor.
How much do the leads cost?
Exclusive, mobile-verified MCA leads run $65–$120 on the open market (checked 29 August 2026). Ours are $60 each, sold to one broker. Shared leads are $40 and aged leads are $0.35. Live submission data is quoted directly. Every band on the market, and the cost per funded deal, is in how much MCA leads cost.
Full pricing and the market context is on the buy page. The other three products have their own pages: shared MCA leads, aged MCA leads and live submission data.
Other verticals
$30K–$180K/month, clustered at the lower end for owner-operators
$25K–$120K/month for independents
$50K–$400K/month, with a long tail above
$60K–$300K/month
$30K–$200K/month
$40K–$250K/month
$30K–$150K/month for independents, higher for multi-bay collision
$50K–$500K/month, scaling fast in either direction
$30K–$90K/month for a single location
$40K–$300K/month gross, with true margin a fraction of it
$30K–$180K/month in season, far lower out of it
$60K–$600K/month
$80K–$700K/month gross, with margin a small fraction of it