USDA Loan Family Recreation Businesses

USDA B&I Loans for Family Recreation Businesses

Family recreation businesses provide space and activities for families and entire communities to create new memories, fun, and enjoyment. However, family recreation and entertainment centers were thrown a big curveball with COVID-19 and the accompanying lockdowns. However, now that the United States is lifting restrictions and areas are opening up, families and communities are eager to meet each other in person and get back to having fun at their favorite – and new – family recreation centers.

Rushview Commercial Funding works with existing, new, and emerging family recreation businesses to help them thrive and grow. We understand that many family recreation and entertainment businesses were impacted by the pandemic, which prevented growth and – in severe cases – forced those businesses to lay off employees and even shutter their doors. We also know that businesses in this sector need adequate and accessible financing to get back to normal, position themselves for growth, and even break ground to start new establishments. We offer USDA loans specifically designed for family recreation businesses to help them get the financing they need for:

  • Working capital
  • Equipment
  • Hiring employees
  • Improving cash flow
  • Purchasing supplies and inventory

Our USDA loans for family recreation businesses feature:

  • Loan amounts up to $25 million
  • LTV up to 80% on loans less than $5 million
  • LTV up to 70% on loans from $5 million up to $10 million
  • LTV up to 60% on loans greater than $10 million
  • Up to 80% FMV for real estate
  • Up to 70% FMV for equipment and machinery
  • Up to 60% of book value for raw inventory and finished goods
  • Up to 60% of book value for receivables


  • Up to 30 years for real estate
  • Up to 15 years or the full life-cycle of the equipment, whichever is less
  • Up to 7 years for working capital
  • Full amortizations
  • No balloon payments
  • Interest-only payments for the first 3 years


  • The ability to repay the loan
  • Principals must demonstrate good credit history
  • New businesses will be required to provide a feasibility study from a recognized independent source
  • New businesses must hold a balance sheet equity position of at least 20% at the time of closing
  • Existing businesses must hold a balance sheet equity position of at least 10% at the time of closing
  • Corporate and personal guarantees are required from all principals with interest of 20% or greater, with the exception of limited partners

Contact Us

If you own a family recreation business, or if you want to open a new family recreation or entertainment center, contact the team at Rushview Commercial Funding. We can provide the financing you need to thrive and grow with our USDA loans.

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