u/Realistic_Lion_730

Hello everyone,

I’m a 21-year-old entrepreneur based in Southern California currently developing a concept called Sol Lab—a premium heated Pilates studio built around a membership-based, recurring revenue model.

Over the past couple months, I’ve built out a full business plan, financial projections, and operational structure. I also hold a Bachelor’s degree in Business, which I’ve applied directly into building this model from a financial and operational standpoint.

The concept is designed around retention, consistent monthly revenue, and lean operations. I’ve also received positive feedback from local development contacts who see strong potential in bringing a concept like this to a growing Downtown Ontario market.

The challenge I’m currently facing is access to capital. My credit profile and lack of collateral have made traditional lending difficult, despite the strength of the underlying business model.

I’m exploring alternative paths forward and would be interested in connecting with:

•	Angel investors open to early-stage opportunities

•	Individuals with experience in boutique fitness or membership-based businesses

•	Anyone who has navigated funding at a similar stage without traditional lending

I’m confident in the concept and the execution plan, and I’d be happy to share more details with anyone interested.

Appreciate any insight or connections.

Hey everyone,

I’m 21 and currently in the process of trying to fund my first business—a premium heated Pilates studio (membership-based, recurring revenue model).

The biggest issue I’m running into right now is credit. Most lenders I’ve spoken to are requiring at least a 680+, and I’m not quite there yet. I also don’t have major collateral, so traditional routes have been tough to navigate.

The business itself is something I’ve spent a lot of time building out—financials, projections, and even getting feedback from local development contacts who see the potential in the concept. The challenge isn’t the idea or the model, it’s just getting past the initial barrier to funding.

I’m trying to figure out what realistic options I have at this stage.

For anyone who’s been in a similar position:

•	Are there lenders or programs that are more flexible with credit?

•	Have you gone the route of private investors or partnerships early on?

•	Any creative ways you’ve seen people get their first deal funded without strong credit or collateral?

I’m open to any advice or direction. Just trying to find a path forward.

Appreciate it.