Bowling Centers
713950
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SBA Loans for Bowling Centers: Financing Growth in Recreational Entertainment
Introduction
Bowling centers provide entertainment, community, and competition for millions of Americans. Classified under NAICS 713950 – Bowling Centers, this industry includes traditional bowling alleys, family entertainment centers, and facilities that combine bowling with restaurants, bars, or arcades. While demand for recreation remains strong, bowling center operators face financial challenges such as equipment upkeep, rising utility costs, staff payroll, and competition from alternative entertainment venues.
This is where SBA Loans for Bowling Centers can provide essential support. Backed by the U.S. Small Business Administration, SBA loans offer longer repayment terms, lower down payments, and government-backed guarantees. These loans help owners upgrade bowling lanes, invest in scoring systems, expand food and beverage services, and manage cash flow while enhancing the guest experience.
In this article, we’ll explore NAICS 713950, the financial challenges bowling center operators face, how SBA loans provide solutions, and answers to frequently asked questions from entertainment business owners.
Industry Overview: NAICS 713950
Bowling Centers (NAICS 713950) include businesses that provide:
- Traditional bowling alleys with multiple lanes
- Family entertainment centers with arcades and party rooms
- Hybrid facilities combining bowling, dining, and nightlife
- League and tournament bowling operations
- Event hosting for birthdays, corporate outings, and fundraisers
This industry is facilities-based and entertainment-driven, requiring continuous investment in modernization and customer engagement.
Common Pain Points in Bowling Center Financing
From Reddit’s r/Entrepreneur, r/smallbusiness, and Quora discussions, bowling center owners often highlight these challenges:
- High Equipment Costs – Lane resurfacing, pinsetters, and scoring systems require expensive maintenance and upgrades.
- Utility Expenses – Heating, cooling, and electricity costs are significant in large entertainment facilities.
- Staffing Challenges – Hiring and retaining staff for operations, food service, and events increases payroll costs.
- Competition – Alternative entertainment options like arcades, esports, and trampoline parks attract similar audiences.
- Seasonal Fluctuations – Attendance may dip during summer or economic downturns.
How SBA Loans Help Bowling Centers
SBA financing provides affordable, flexible capital that helps bowling centers modernize facilities, diversify offerings, and improve customer retention.
SBA 7(a) Loan
- Best for: Working capital, payroll, or refinancing debt
- Loan size: Up to $5 million
- Why it helps: Provides liquidity for day-to-day operations, staffing, and marketing
SBA 504 Loan
- Best for: Building purchases, renovations, or major equipment
- Loan size: Up to $5.5 million
- Why it helps: Ideal for lane resurfacing, scoring technology, or expanding food and beverage areas
SBA Microloans
- Best for: Small or startup bowling centers
- Loan size: Up to $50,000
- Why it helps: Useful for initial equipment, marketing campaigns, or small upgrades
SBA Disaster Loans
- Best for: Bowling centers impacted by natural disasters or emergencies
- Loan size: Up to $2 million
- Why it helps: Provides recovery funds for damaged facilities, lost income, or equipment replacement
Step-by-Step Guide to Getting an SBA Loan
- Check Eligibility – Must be a U.S.-based, for-profit entertainment business with good personal credit (typically 650+)
- Prepare Financial Documents – Include tax returns, P&L statements, occupancy records, and equipment quotes
- Find an SBA-Approved Lender – Some lenders specialize in hospitality and entertainment financing
- Submit Application – Provide a business plan highlighting customer demographics, community partnerships, and revenue streams
- Underwriting & Approval – SBA guarantees reduce lender risk. Approval usually takes 30–90 days
FAQ: SBA Loans for Bowling Centers
Why do banks often deny loans to bowling centers?
Banks may view bowling centers as risky due to high maintenance costs, seasonal attendance, and competition. SBA guarantees reduce this risk and improve approval chances.
Can SBA loans finance lane resurfacing, pinsetters, and scoring systems?
Yes. SBA 7(a) and 504 loans can fund major equipment, building renovations, and technology upgrades.
What down payment is required?
SBA loans typically require 10–20% down, compared to 25–30% for conventional entertainment financing.
Are startup bowling centers eligible?
Yes. Entrepreneurs with strong business plans and local market demand may qualify for SBA microloans or 7(a) financing.
What repayment terms are available?
- Working capital: Up to 7 years
- Equipment/facilities: Up to 10 years
- Real estate/buildings: Up to 25 years
Can SBA loans support marketing and event programming?
Absolutely. Many bowling centers use SBA financing to fund digital marketing, league promotions, and corporate event packages.
Final Thoughts
The Bowling Centers industry provides affordable, family-friendly entertainment but faces financial hurdles tied to equipment, staffing, and competition. SBA Loans for Bowling Alleys provide affordable, flexible financing to stabilize operations, expand services, and enhance customer experiences.
Whether you operate a traditional bowling alley, a modern family entertainment center, or a hybrid bowling and dining venue, SBA financing can provide the resources you need. Connect with an SBA-approved lender today and explore your funding options under NAICS 713950.
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