Funding for Martial Arts & Fitness Studios

Buildout, mats, gear, rent, and slow-month coverage — funded on your deposits, not your credit score, in as little as 24 hours.

Money that moves at the speed of a new studio

Running a martial arts or fitness studio means big fixed costs and membership revenue that doesn't always show up on time. Rent is due on the first whether or not January renewals held. New mats, a heavy bag rack, or a rack of kettlebells can wipe out a month of margin. And when a summer lull hits, payroll for your instructors doesn't pause. Quick Biz Capital gives studio owners fast working capital — $10,000 to $5 million — approved on your bank deposits, not your credit score.

Because we underwrite on the cash actually flowing through your account, a studio with steady membership drafts can qualify even with a FICO in the 500s. Checking eligibility is a soft pull, so it won't touch your credit. No collateral is required for working capital, and if your statements are in before early afternoon ET on a weekday and your agreement is signed, you can be funded the same day. (Friday approvals fund Monday.)

A real dollar example

Say you run a jiu-jitsu and kickboxing academy averaging $42,000 a month in membership and drop-in deposits. You want to re-mat the main floor, add a second heavy-bag station, and cover two slow summer months without cutting your coach hours.

• You request $40,000 in working capital.
• You send three months of bank statements — no tax returns, no business plan.
• Approval comes back the same afternoon because your deposits are consistent.
• Funds hit your account the next morning, and a modest fixed amount is remitted from your daily or weekly deposits.

New mats go down before the fall enrollment push, the summer gap is covered, and you're not begging a bank for a term loan that takes six weeks to decline. The exact cost depends on your deposit volume and consistency — we show you the full number before you sign, with no surprises.

What studio owners use it for

• Buildout and expansion — new location, additional training floor, or a dedicated kids' area.
• Mats and equipment — tatami, wrestling mats, heavy bags, racks, free weights, cardio machines.
• Rent and occupancy — bridge a slow month or lock in a bigger space before a lease escalates.
• Payroll for instructors — keep your black belts and trainers on the schedule through the off-season.
• Marketing pushes — fund the January and back-to-school enrollment campaigns when demand spikes.
• Software and systems — membership billing, scheduling, and access-control upgrades.

Why deposits beat credit for studios

Traditional lenders see a fitness studio as risky: high fixed overhead, seasonal swings, and thin reported profit after equipment write-offs. But your bank statements tell the real story. If members are drafting every month, that recurring revenue is exactly what we underwrite. A strong deposit history can outweigh a mediocre credit score — which is why studio owners who get turned down by their bank still get approved here.

Straight answers

What's the minimum I can borrow?

Funding starts at $10,000 and goes up to $5 million. If you need less than $10K, this isn't the right fit — but for a re-mat, a buildout, or a season of coverage, most studios land comfortably in range.

Will checking hurt my credit?

No. We use a soft pull to check eligibility, so applying has no impact on your credit score.

My credit isn't great. Can I still qualify?

Yes. We approve based on your bank deposits, not your FICO. Owners with scores in the 500s qualify regularly when their studio's cash flow is steady.

How fast can I actually get funded?

If your bank statements are in and your agreement is signed before early afternoon ET on a weekday, funding can happen the same day. Deals signed Friday typically fund Monday.

Do I need to put up collateral?

No collateral is required for working capital. Approval is based on your deposit history.

What do I need to apply?

Just a few months of recent business bank statements. No tax returns or lengthy business plan required to get a decision.

Ready to fund your studio?

Whether you're laying new mats, opening a second location, or just bridging a quiet summer, Quick Biz Capital can get you funded in as little as 24 hours. Checking your options is a soft pull with no impact to your credit. Apply now and get a real number today.