How we picked
Filtered to lenders that fund the trampoline park and indoor adventure park vertical at meaningful loan sizes. SBA 7(a) and 504 ranked first because trampoline park new-build and acquisition almost always exceeds $1M and the APR delta vs MCA is decisive at that ticket size. Equipment specialists prioritized for trampoline beds, springs, pads, foam pits, ninja-warrior course modules, and arcade and amusement add-ons. Generalist term loans included for sub-SBA-tenor refreshes and expansion projects. Multi-product working capital included for established multi-location operators. Short-tenor working capital reserved strictly for true seasonal bridges (back-to-school slow, pre-summer-camp prep).
Top picks at a glance
| Lender | Best for | Amount | Speed | Min credit | Action |
|---|---|---|---|---|---|
| Live Oak Bank | Best SBA 7(a) and 504 for trampoline park new-build and acquisition | $25,000 – $25,000,000+ | 30 – 90 days underwriting (SBA standard) | 680+ typical | Apply → |
| Beacon Funding | Best for trampoline bed refresh, ninja-warrior course, and arcade equipment | $5,000 – $1,000,000 | Funding in 1 – 5 business days | 550+ | Apply → |
| Currency Capital | Best for used trampoline-park equipment acquisition | $10,000 – $2,000,000 | Funding in 24 – 72 hours after approval | 600+ | Apply → |
| Funding Circle | Best mid-size term loan for partial refresh and expansion under $500K | $25,000 – $500,000 | Funding in 1 – 3 business days after approval | 660+ | Apply → |
| Strategic Funding Source (Kapitus) | Best multi-product working capital for established multi-location operators | $10,000 – $750,000+ | 1 – 3 business days | 575+ | Apply → |
| Credibly | Best fast working-capital bridge (back-to-school slow / pre-summer-camp prep) | $5K – $600K | As fast as 4 hours | 550+ | Apply → |
Advertiser disclosure: Fundnode may earn referral fees from funders listed on this page when you apply through us. This does not affect editorial rankings — see our methodology.
Detailed reviews — our 6 picks
#1 · Best SBA 7(a) and 504 for trampoline park new-build and acquisition
Live Oak Bank
Max amount
$25,000,000+
Cost
SBA 7(a) APR prime + 2.75% to 4.75%
Speed
30 – 90 days underwriting (SBA standard)
Min credit
680+ typical
Why we picked it
Live Oak underwrites family-entertainment-center concepts including trampoline parks, ninja-warrior facilities, and hybrid adventure parks. They will wrap building shell or build-out (HVAC sized for high-occupancy load is non-trivial), trampoline courts, foam pits, ninja-warrior courses, party rooms, F&B build-out, retail, lockers, safety systems, and 6-12 months working capital into a $1.5M-$5M SBA 7(a) package, or split structure (real estate on 504 over 25 years, build-out and equipment on 7(a) over 10 years). Prime + 2.75-4.75% APR is the only structure that pencils at trampoline-park ticket sizes. 90-120 day timeline.
The strength
Largest SBA 7(a) lender in the US by dollar volume for 7+ consecutive years. Industry-specialty teams (veterinary, dental, funeral homes, self-storage, agriculture, hotels). Deep understanding of niche-vertical underwriting. Dramatically cheaper than MCA for qualifying merchants.
The watch-out
Long underwriting timeline (45-90 days typical). Requires strong credit (680+), 2+ years operating, clean financials. Industries outside their specialty get less attention.
Qualifications
24 months
$20,000+
680+ typical
#2 · Best for trampoline bed refresh, ninja-warrior course, and arcade equipment
Beacon Funding
Max amount
$1,000,000
Cost
APR 8 – 25%
Speed
Funding in 1 – 5 business days
Min credit
550+
Why we picked it
Beacon finances trampoline park equipment (trampoline beds, springs, padding refresh kits, foam-pit foam replacement, dodgeball court netting, basketball-trampoline hoop systems), ninja-warrior course modules (American Ninja Warrior-style obstacle systems from manufacturers like ANW Adventure or NinjaPlay), and arcade and amusement add-ons (redemption games, prize machines, VR attractions) as standalone equipment loans. APR 10-22%, 5-7 year terms matching the productive life. Section 179 friendly. Right tool for the annual partial bed-and-pad refresh and for adding attractions without re-opening an SBA package.
The strength
Equipment financing with broader industry acceptance than larger competitors. Will fund specialty equipment (food trucks, photography gear, fitness equipment, salon equipment). Lower credit threshold (550+).
The watch-out
Higher rates than bank equipment financing for prime credit. Smaller deal cap. Industry specialization can mean less depth in any single vertical.
Qualifications
12 months
$10,000+
550+
#3 · Best for used trampoline-park equipment acquisition
Currency Capital
Max amount
$2,000,000
Cost
APR 8 – 22% (varies by equipment + credit)
Speed
Funding in 24 – 72 hours after approval
Min credit
600+
Why we picked it
Roughly 20-30% of trampoline park operators exit within 5 years and the secondary market for trampoline beds, ninja-warrior courses, party-room equipment, and arcade games is active. Currency Capital is the cleanest financing source for used and refurbished trampoline-park equipment. APR 8-20% with the equipment as collateral. Strong fit for opening operators trying to control opening capex through the secondary market, and for second-location operators replicating a proven setup at lower capex.
The strength
Equipment-specific financing with strong tech platform. Online application, fast approval. Equipment serves as collateral — lower rates than unsecured MCA equivalents. Strong industries: trucking, construction, manufacturing.
The watch-out
Equipment-only — financed funds must be used for specific equipment purchase. Equipment-as-collateral means default risks the equipment.
Qualifications
6 months
$10,000+
600+
#4 · Best mid-size term loan for partial refresh and expansion under $500K
Funding Circle
Max amount
$500,000
Cost
APR 11.29% – 30.12% (fixed term loan)
Speed
Funding in 1 – 3 business days after approval
Min credit
660+
Why we picked it
Trampoline park operators doing partial refreshes or expansion projects ($100K-$500K — full court bed-and-pad replacement, ninja-warrior course addition, foam-pit foam replacement, party-room renovation, F&B upgrade) often don't want the 90-120 day SBA timeline. Funding Circle prices at 6-12% APR with 3-7 year tenor, reads trampoline-park P&L correctly including the party-and-camp revenue contribution, and funds in 1-2 weeks. Right fit for projects sized between equipment-loan range and full SBA package.
The strength
Term loan specialist — 6 month to 7 year terms with fixed monthly payments. APR-disclosed pricing (much more transparent than factor-rate MCAs). $20B+ originated globally. Strong fit for merchants who don't want daily ACH or factor-rate complexity.
The watch-out
Higher credit and TIB minimums (660+, 24+ months) exclude newer or distressed merchants. APRs at the high end (25%+) can still exceed some MCA equivalents for shorter durations. Origination fees 3.49% – 8.49%.
Qualifications
24 months
$13,000
660+
#5 · Best multi-product working capital for established multi-location operators
Strategic Funding Source (Kapitus)
Max amount
$750,000+
Cost
Factor 1.18 – 1.45
Speed
1 – 3 business days
Min credit
575+
Why we picked it
Kapitus underwrites against forward party-and-camp booking pipelines better than most generalist MCA funders — they will read the booked-party calendar and signed summer-camp contracts as leading indicators rather than punishing soft September and February bank statements. Multi-product (MCA, LOC, term loan, equipment) means the right structure can be matched to use of funds. Useful for 2-5 location operators at 3+ years operating that need more flex than a single MCA structure provides.
The strength
Operating as Kapitus since rebrand. Multi-product alt-fin: MCA, term loans, equipment financing, invoice factoring, SBA helper, payroll. Strong industry breadth.
The watch-out
Cross-sell pressure on bundled products. Pricing not always the most competitive on any single product.
Qualifications
6 months
$15,000
575+
#6 · Best fast working-capital bridge (back-to-school slow / pre-summer-camp prep)
Credibly
Max amount
$600K
Cost
Factor 1.11+ (MCA)
Speed
As fast as 4 hours
Min credit
550+
Why we picked it
Trampoline parks face two recurring cash-flow squeezes: the back-to-school slow window (September-October, when after-school activities re-anchor kids and weekday traffic dips), and the pre-summer-camp-season prep cycle (April-May) when staffing, marketing, and supply buildup for camp season hit before camp tuition lands. Credibly is the cleanest fast bridge — 550+ credit, 6+ months TIB, $15K+/mo revenue, multi-product (MCA + LOC + term), funds in as fast as 4 hours. Use strictly for short timing gaps inside 60-90 days; sustained MCA use against family-entertainment seasonal cash flow compounds badly.
The strength
March 2026 API V2 + Cloudsquare integration — most modern submission UX in MCA. $3B+ deployed, 60K+ SMBs. Publishes factor rates honestly (starting 1.11 for A-paper).
The watch-out
The 1.11 headline is the A-paper floor; average factor is closer to 1.32. ISO commission terms aren't public.
Qualifications
6 months
$15,000
550+
Frequently asked questions
- What does a new trampoline park build-out cost?
- A standard 25,000-40,000 sq ft trampoline park build-out runs $1.5M-$5M total: $400K-$1.5M for trampoline courts (open jump, dodgeball court, basketball-trampoline, foam-pit court, kids zone — manufacturers like SkyZone, Altitude, Rebounderz, ELI Play), $200K-$800K for ninja-warrior course or hybrid attractions, $100K-$400K for foam pit foam, padding, and netting systems, $200K-$600K for HVAC sized for high-occupancy load (often the surprise cost on conversions of warehouse or retail-big-box space), $150K-$500K for party rooms, F&B, and retail build-out, $100K-$300K for lockers, restrooms, safety systems, and finishes, plus 6-12 months working capital. Live Oak SBA 7(a) is the standard structure at any size over $1M — Prime + 2.75-4.75% APR vs 40-80% APR-equivalent on MCA is decisive.
- How often do trampoline beds and pads need replacement?
- Industry-documented pattern is annual partial refresh (worn beds, popped springs, frayed padding identified on monthly safety inspections — typically 5-15% of total bed-and-pad inventory annually) and full court replacement every 5-7 years (every bed, spring, and pad replaced in a coordinated sweep tied to insurance and safety-certification cycles). Annual refresh runs $15K-$60K depending on park size; full court replacement runs $200K-$700K. Beacon equipment financing at 10-20% APR with 5-7 year tenor is the standard structure for full court replacement — it aligns the financing tenor with the productive life of the new equipment. MCA is the wrong structure because the refresh capex needs to amortize over the full replacement cycle, not be paid back inside 9-15 months from daily ACH.
- Is MCA appropriate for a trampoline park?
- Only as a true short-term bridge inside 60-90 days. Trampoline park revenue is seasonal and weather-dependent — strong on weekends, school holidays, and summer-camp season; soft on Tuesday-Wednesday weekday afternoons and during the September-October back-to-school window. Daily ACH against weekend-concentrated revenue is structurally awkward. The narrow case where short-tenor working capital fits is a true 30-90 day bridge — pre-summer-camp prep before camp tuition lands, post-back-to-school payroll bridge with confirmed fall party-booking pipeline, or trampoline-bed emergency replacement before Beacon equipment financing closes. Even there, a Credibly or Kapitus LOC is structurally better than fixed-daily MCA. Sustained MCA use signals a structural problem that needs an SBA working-capital conversation, especially given the recurring 5-7 year court-replacement capex that needs to be reserved for.
- Can I buy an existing trampoline park with SBA?
- Yes — trampoline park acquisition is a recognized SBA 7(a) use case and Live Oak structures these regularly, though they will scrutinize the seller's safety-incident history and the age of the trampoline-court inventory carefully (an acquired park within 12-24 months of needing a full $200K-$700K court replacement should price that into the deal). A typical 25,000-35,000 sq ft trampoline park in a secondary market transacts at $1.5M-$4M (real estate sometimes included); a flagship hybrid adventure park in a primary market often $3M-$8M+. SBA 7(a) caps at $5M of debt, so larger deals combine 7(a) at the cap with SBA 504 for the real estate portion. Equity injection requirement is 10-25% depending on operator experience. First-time operators benefit from prior family-entertainment-center, hospitality, or fitness-industry experience (or a partner with it). Plan 90-120 days from LOI to close; start the Live Oak conversation before signing the LOI.
Related reading
- Best MCA funders for bowling alleys 2026
- Best MCA funders for event venues 2026
- Best MCA funders for escape rooms 2026
- Best equipment financing 2026
- The full 2026 ranking — 100 funders
Methodology
How we chose
Ranking criteria
- Use-case fit — funder must qualify the merchant profile this page targets (credit, time-in-business, revenue, industry).
- Pricing transparency — published factor-rate or APR-equivalent disclosure outweighs marketing-only quotes.
- Speed-to-fund — verified time from signed contract to ACH deposit, not 'as fast as' marketing claims.
- Contract terms — daily/weekly debit structure, prepayment treatment, COJ / personal guarantee posture.
- Customer-experience signals — BBB profile, Trustpilot, ISO chatter, and direct merchant feedback collected via Fundnode applications.
Sources consulted
- Funder-published rate cards, contract templates, and disclosure pages (refreshed quarterly).
- Public regulatory filings — California DFPI commercial-financing disclosures, New York commercial-financing disclosure law filings.
- Direct merchant feedback collected through Fundnode's /qualify funnel (n > 200 since 2026-01).
- ISO desk operator interviews — anonymized commentary on approval patterns and stipulations.
Update cadence
Reviewed quarterly. Last updated 2026-06-24.
Conflict of interest
Fundnode may earn referral fees from funders listed on this page when merchants apply through us. Rankings are editorial and independent of fee economics — funders cannot pay for placement.