“What I think you want to pay attention to is you want to understand what your trade-offs are in both. So, if I’m going to take out a loan, I probably am going to try to have a loan that doesn’t change in interest rate. Now, obviously, there are some exotic products where you can have ARMS adjustable rates. That’s generally in a mortgage. But, you can also have rates that might change in a business loan.

The biggest obstacle any gym owner faces is economic longevity. Without a plan for continued income growth and scalability, your business will inevitably fail.