The leisure and fitness market continues to grow, with many businesses operating across gyms, studios, and digital platforms.
From memberships and subscription models to finance options for higher-value products and services, firms must balance commercial growth with clear, compliant customer journeys.
Sales often take place across a mix of in-person and online environments, meaning businesses must carefully manage how finance is offered, ensuring customers are treated fairly and fully informed at every stage.
How we support leisure and fitness businesses
We have a strong track record of supporting leisure and fitness providers, from large international brands to growing businesses entering the market.
We understand the challenges of operating across in-club and digital channels, including how customer journeys, sales conversations, and credit products interact within this sector.
We support firms in launching new products, developing new channels, and designing compliant customer journeys that are clear, transparent, and deliver good customer outcomes.
Working closely with our dedicated Account Managers, we provide ongoing support to help businesses remain compliant and respond effectively as they grow.
Your Options
We offer three products that our clients select based on our risk assessment of their business and their growth plans.
Appointed Representative (AR)
Operate under PPL’s regulatory permissions, with full oversight, compliance monitoring and regulatory reporting provided by our team.
Direct Authorisation
Operate under your own FCA permissions, supported by our ongoing compliance services to help you meet your regulatory obligations.
Application Support
For businesses seeking FCA authorisation, we provide guidance throughout the application process, helping you understand what’s required and supporting you through each stage.
Compliance solutions for leisure and fitness businesses
Financial Promotions Approval
Promoting memberships, finance options, and introductory offers requires careful oversight to ensure communications are clear, fair, and not misleading. Our financial promotions review and approval service supports compliant marketing across websites, social media, and in-club promotions.
Complaints Management
Customer complaints may arise across multiple channels, from in-club interactions to online sign-ups. Our complaints management solution helps businesses record, monitor, and resolve complaints effectively while meeting FCA reporting requirements.
RegData Reporting
As businesses grow, regulatory reporting requirements can become more complex. Our RegData support helps firms manage their obligations accurately and efficiently, reducing the risk of errors or omissions.
E-Learning
Sales teams and customer-facing staff must understand regulatory expectations when discussing finance options. Our e-learning platform provides practical, targeted training to support compliant customer interactions across both in-person and digital environments.
Our Leisure & Fitness Clients Include
Get in Touch
Whether you want to become an Appointed Representative or be directly authorised by the FCA, we take the hassle out of compliance. Contact us now to clarify what you need to make sure you're FCA compliant.
Sectors We Also Operate In
Test
Football Clubs
Football clubs operate in an increasingly complex financial environment. Activities such as offering season ticket finance or partnering with third-party providers may fall under FCA regulation—often without clubs realising it. Failure to comply can lead to serious consequences including fines, legal penalties, reputational damage, and disruption to key financial operations.
BVRLA
Product Partnerships (PPL) are the BVRLA's national inspector for over 1,000 motor finance companies and dealerships across the UK. We carry out the BVRLA's Leasing Broker, Principal & Appointed Representative inspection programs.
Green Energy
Product Partnerships (PPL) supports retailers within the green energy market and understands the consumers needs in ensuring retailers operate in a compliant way putting the consumer at the heart of everything they do.
Motor Finance
Here at Product Partnerships (PPL) we are experts in car, motorcycle, and leisure vehicle consumer credit, working manufacturers as well as car dealerships across the UK. With a pedigree and background born from the car finance market our expert team can support firms wishing to develop their consumer credit proposition and ensure compliance.
Technology & Retail
Product Partnerships (PPL) work with some of the biggest and well known technology retailers, designing compliant customer journeys through online, retail stores, and omni channels. These retailers attract high finance penetration and often require a bespoke solution to meet the consumers needs.
Online Retailers
Product Partnerships (PPL) works with some of the largest and well known on-line retailers, supporting them in ensuring their customers understand the credit products on offer and that the regulatory journey is compliant
Furniture Retail
Product Partnerships (PPL) supports furniture retailers with large store footprints across the UK, and online, working alongside some of the biggest and well known brands.