Commercial Gym Financing
Two ways to fund your floor.
Whether you're opening a studio, expanding a training facility, or replacing a full cardio line, you don't have to pay for it all at once. Build A Gym offers Shop Pay Installments at checkout and commercial equipment financing through Priority Capital — use one, or stack them together.
Up to $30,000 at checkout
Best payment terms at $25,000 or less. No paperwork, no waiting — select it as you check out.
Up to $500,000, application only
No financials required. Approvals in 24 hours or less, funding in 48. Rates from 5.5%.
Which one fits your order
Choose Shop Pay if…
- Your order is $25,000 or less — that's where the terms are strongest.
- You want to order today without an application.
- You're adding a rack row, a cardio group, or filling in a floor you already have.
Ceiling — $30,000
Choose Priority Capital if…
- Your order is above $30,000, or it's a full facility build-out.
- You're buying as a business — new or established — and want it structured as a business obligation.
- You need freight, install, and flooring on the same funded quote.
Application only up to $500,000
The Priority Capital program
Startups and established businesses both qualify. That last one matters in this industry: remanufactured and used equipment stretches a build budget further, and Priority Capital finances it the same as new.
Rate ranges
Ranges are indicative, set by Priority Capital's lending partners, and subject to change. Your tier and your actual rate are determined by their credit review — not by Build A Gym. Nothing here is an offer of credit.
How each one works
- Add your equipment to the cart and go to checkout.
- Choose Shop Pay, then Pay in installments.
- Enter your information to see the options available to you.
- Place the order. Your first payment is collected at checkout.
- Get your equipment quote from our commercial team, then complete the application.
- Their credit team runs a soft pull and shops your file across 40+ lending partners.
- If approved and you move forward, they generate final documents for signature.
- Funds are wired to CTX Home Gyms and we schedule production, delivery, and install.
You can use both
Most facility owners don't buy everything in one shot — and they don't have to fund it one way, either. A common approach: put the large fixed equipment on commercial financing, and run the smaller fill-in order through Shop Pay at checkout.
Amounts shown are an example of how the two can be combined, not a quote or an offer of credit. Your available amount and terms come from each provider.
What you'll need to apply
For the Priority Capital track. Shop Pay needs nothing but checkout.
- Legal business name, EIN, and time in operation
- Your equipment quote from our commercial team
- An owner or officer authorized to sign
- Business financials only above the $500,000 application-only limit
Priority Capital sets the actual requirements. This is what's typically requested.
Important
- Commercial financing is arranged by Priority Capital through its independent third-party lending partners. Shop Pay Installments is offered through Shopify's financing partner. CTX Home Gyms is not a lender and does not underwrite, approve, or issue credit.
- All terms — amount, rate, term length, payment structure, and any fees — are set by the lender based on your application. CTX Home Gyms does not set or negotiate them.
- Rate ranges, the $500,000 application-only limit, the $30,000 Shop Pay ceiling, and the $25,000 best-terms threshold are set by the providers and may change without notice.
- Approval and funding timelines are typical, not guaranteed. Questions about an application, approval status, or payments go to the provider that issued the financing.
Start with the quote
Tell us about the space and we'll build the equipment list and floor layout first — the application moves faster with a real quote attached. No pressure, no obligation.
Common questions
Will applying hurt my credit?+
Priority Capital's credit team starts with a soft pull of your business and personal profile to shop for an approval. Any further review is disclosed by them as part of the process. Build A Gym doesn't see the result.
Can I really use both on one project?+
Yes — they're separate agreements with separate providers, so they don't conflict. They're placed as separate orders: the financed quote goes through our commercial team, the Shop Pay portion goes through checkout.
Why is $25,000 the sweet spot for Shop Pay?+
The provider offers its strongest payment options at or below that amount. Between $25,000 and the $30,000 ceiling it's still available, but the terms offered to you may be less favorable. Your exact options are shown at checkout.
I'm a startup with no operating history.+
Still worth applying. Priority Capital finances new and existing businesses and considers profiles from roughly 500 FICO up; startup rates typically start around 9.5%.
Can financing cover freight, flooring, and installation?+
Often, if those lines are on the quote we send over. Confirm what's included with Priority Capital before you sign.
Do you finance used and remanufactured equipment?+
Yes — there's no age limit on the equipment. Our quotes routinely mix new, used, and remanufactured pieces, and that's one of the fastest ways to get more floor for the same monthly payment.
Who do I contact about my payments?+
Whichever provider issued it — Priority Capital for commercial financing, or the Shop Pay provider listed in your confirmation email. We don't service either and can't change a payment schedule.
I'm buying for a home gym, not a facility.+
Then Shop Pay Installments at checkout is your route. Commercial financing is for business purchases.
Commercial equipment financing is arranged by Priority Capital through independent third-party lenders and is subject to credit approval. Shop Pay Installments is provided by Shopify's financing partner and is subject to eligibility and an application. Build A Gym is not a lender and does not set financing terms. Not all applicants qualify. Rates, limits, thresholds, and timelines shown are set by the providers, are illustrative of typical programs, and may change; see your approval documents or checkout screen for the terms applicable to your purchase.