Understanding the Difference: Mat vs. Reformer Pilates

Mat Pilates is often seen as the more accessible and affordable entry point for both clients and business owners. It uses minimal equipment - typically just a mat and small props like resistance bands, rings, or light hand weights. As a studio owner, this can translate to lower initial investment and a faster setup process. You’ll be able to start with a modest space, reduce overheads, and potentially host more clients per class.

Reformer Pilates, by contrast, offers a more intensive and dynamic workout experience using specialised machines. The reformer adds resistance through springs and pulleys, opening up a wide variety of movements and modifications for all skill levels. However, these machines come at a cost - each reformer unit can range from a few thousand dollars to premium prices for commercial-grade models. The increased cost, maintenance, and space requirements mean a larger upfront financial commitment. That’s where EP Finance can step in, offering tailored equipment finance and leasing solutions to help you secure top-of-the-line reformers without impacting your cash flow.

Startup Costs and Studio Fit-Out Considerations

One of the biggest decisions you’ll face is how much you’re willing to invest in your studio fit-out. Mat studios generally require minimal renovation - a clean, open space, basic storage, mirrors, and sound systems might be all you need. Reformer studios, however, demand significantly more space and infrastructure planning.

When designing a Reformer Pilates studio, you'll likely need to consider:

• Commercial-grade flooring and reinforced mounts

• Adequate spacing between machines for safety and accessibility

• Secure storage areas for props and additional equipment

• Studio branding, signage, and lighting to create a premium feel

These elements not only shape your client experience but also your capital requirements. EP Finance can help you access asset finance, or even a commercial mortgage if you're purchasing your premises. We’ve worked with countless studio owners to help them turn their dream space into a reality with manageable repayments and competitive terms.

Revenue Potential and Member Pricing

One reason many business owners lean toward Reformer Pilates is its earning potential. Reformer classes often command higher price points due to the smaller class sizes, use of equipment, and the perception of it being a premium experience. On average, clients are willing to pay more per session for the added value and personalised attention that comes with Reformer classes.

That said, your break-even point will typically be higher with a Reformer model. Leasing or purchasing reformers, hiring instructors with specific training, and maintaining the machines all add to your monthly overheads. EP Finance can help you calculate your cash flow requirements and structure a cash flow finance plan or merchant cash advance to give your business a buffer in its early stages. With the right funding model, your pricing strategy can reflect premium service without compromising your operational stability.

Choosing the Right Equipment for Your Vision

Not all reformers are created equal. As a studio owner, you’ll need to choose between various brands, functionality levels, and accessory options. Commercial-grade reformers are a necessity if you’re offering group classes and expect high usage. These can be financed with a combination of equipment loans and leasing finance, both of which are available through EP Finance with terms tailored to fitness businesses.

In addition to reformers, many studios also invest in:

• Wall units or towers for hybrid Pilates methods

• Small props like resistance loops, foam rollers, or balance balls

• Safety accessories and instructor tools

• Audio-visual equipment for remote or hybrid classes

We can support you with asset finance and even vehicle finance if you’re running a mobile service or need a delivery van for off-site training. Whatever your equipment needs, EP Finance will help you secure funding that aligns with your studio’s growth plan.

Scaling and Managing Studio Growth

If you’re starting with a mat-only model and plan to add reformers down the track, it’s crucial to map out a funding roadmap. Growth phases often strain cash flow - especially when you’re investing in new machines, hiring staff, or upgrading your premises. EP Finance offers a suite of solutions including loan consolidation finance, term restructure finance, and credit recovery finance for studios that need breathing room or a more flexible repayment schedule.

We can also assist with:

• Debt consolidation for studio owners juggling multiple loans

• Rate reduction finance if you're looking to lower current repayments

• Exit high-cost lending if you've been relying on expensive short-term finance

With our help, you'll have access to smarter funding options as you expand, franchise, or evolve your Pilates brand.

Let EP Finance Help You Build the Studio You’ve Imagined

Launching a successful Reformer Pilates studio is a blend of passion, planning, and practicality. With EP Finance on your side, you're not just accessing funding - you’re partnering with a team that understands the unique rhythm of the fitness and wellness industry.

We’ve helped countless health and fitness business owners bring their ideas to life - and we’re ready to help you too. From equipment and fit-out finance to debt consolidation, credit recovery, and cash flow support, we offer a full suite of financial solutions tailored to the Pilates space. Let us support your journey from concept to core and beyond.

Explore our financial services or get in touch today to start building the studio you've imagined.