June 1, 2026 Community & Social Infrastructure

What Goes Into a Trampoline Park Commercial Mortgage

Buying the premises your trampoline park already trades from is a defining step for any operator. At Ardent Capital Group we speak with owners of indoor recreation businesses about this kind of commercial property purchase, so this guide walks through how a lender reads the building, the fit-out and the trade, and what shapes the deposit and the deal.

Ardent Capital Group is a specialist in commercial mortgages for trampoline park operators across Australia. Our team can help you move from tenant to owner, and give you clear lending advice on structure and strategy.

Funding scope: Access finance from $100,000 to $10,000,000+ for premises and related needs.
Track record: Over $500,000,000 facilitated across a decade for more than 1,000 borrowers.
National reach: Sydney, Melbourne, Brisbane, Gold Coast, Perth, Adelaide, Canberra, Hobart and surrounding regional areas.
Sector fluency: Experience with high fit-out indoor recreation assets, seasonality and council compliance.

Reasons to own your premises

A trampoline park fit-out is capital intensive and largely immovable. Interconnected trampolines, steel frames, foam or airbag pits, climbing and ninja elements, safety netting, custom flooring, anchors, mezzanine viewing decks, party rooms, cafe build-outs, CCTV and point-of-sale systems commonly run $500,000 to $1,500,000+. Ceiling height of 8 to 12 metres, clear spans and heavy floor loadings narrow the pool of suitable buildings. Your customer base is tied to location, parking and access for families, schools and party traffic. Rent escalations, lease renewal risk and make-good exposures can erode margin. Mortgage repayments build equity in a scarce-specification warehouse that suits your use and other bulky-goods or logistics users.

Key drivers for ownership:

Tenure control: Lock in a long-term base so programs, memberships and school contracts are not hostage to lease negotiations.
Capital preservation: Protect a $1,000,000 fit-out tied to the slab from a landlord refusal at renewal.
Repayment into equity: Convert rent to principal reduction on an asset with alternate-use value.
Operational stability: Align repayments with your cash flow pattern, especially peak school-holiday periods and weekend volume.

There are situations where buying can wait. A short trading history, a likely relocation to a stronger catchment, a short remaining lease with uncertain timing, or capital that produces a better return in marketing, staff or a second site may tip the scale toward staying as a tenant. The decision sits with you.

How the finance works for a trampoline park

Deposit and LVR. The building is a specialised warehouse, and standard commercial security of this kind gears up to 80 per cent, so a deposit from around 20 per cent. Owner-occupier purchases and buildings with broad alternate use sit at the stronger end of the range. Where residential or other property is offered as additional security, total funding can reach 100 per cent, and our broker team can explain how that is arranged.
Loan term and structure. Common terms are 15 to 25 years, longer with non-bank lenders and shorter with the banks. Structures include principal and interest for steady amortisation, or interest only for a period to prioritise cash flow during a refurbishment or ramp-up.
Security and serviceability. The premises forms primary security. Lenders assess business financials, trends through seasonality, add-backs, and the stability of party, school and cafe income. Guarantees, a general security agreement and limited collateral support may apply.
Owner-occupier treatment. Lenders usually price and structure more favourably when your trading entity occupies the building, as vacancy risk is lower and the business benefit is clear.

How the purchase is usually structured

Many trampoline park operators hold the premises in a separate company or trust and lease it to the trading business at a commercial rent. A lender reads that inter-entity rent as the serviceability line, and the arrangement keeps the property and the operating risk in separate hands, which also simplifies a later sale of the trading entity or an expansion. The finance and security are arranged around whichever holding you already use.

Where a self-managed super fund is involved, commercial premises generally qualify as business real property, so an SMSF can hold the building and lease it back to the trading entity at market rate under a limited-recourse loan. That structure carries its own borrowing limits, liquidity and contribution settings. Ardent structures and places the loan, and the tax, ownership and any superannuation detail is confirmed by your accountant and SMSF specialist before settlement.

What underwriters focus on

Business financials: Profit and loss, BAS, payroll and management accounts with attention to seasonality and school-holiday peaks.
Serviceability metrics: EBITDA, add-backs, debt service coverage and headroom under interest-rate buffers.
The property: Warehouse quality, ceiling height, clear span, parking, access, zoning and compliance with building and acoustic requirements.
Valuation: Comparable sales and alternate-use demand. Tenant-specific fit-out is often valued conservatively.
Deposit and equity: Cash, retained earnings or the ability to leverage your equity in residential or other commercial property.
Lease and occupancy: If held in a separate entity, the lease terms to the trading business and market-rate rent support.

A specialist broker fluent in indoor recreation assets shortens the path to a lender that understands your revenue model and premises specification.

A worked example

This is an illustrative scenario that shows the kind of situation we can assist with, and how the thinking might run.

Profile: Operator of a 2,200 sqm trampoline park in a metro industrial precinct with 10 metre clearance, 120 on-site parks and an $850,000 fit-out. Current rent $28,000 per month plus outgoings. The directors own a home with $600,000 in usable equity.
Opportunity: An off-market purchase of the building for $4,800,000 with a three-month settlement.
Options we would map:
- Owner-occupier loan up to 80 per cent: a deposit from around $960,000 drawn from cash and residential equity, principal and interest over 20 years, or 12 months interest only during a minor refurbishment.
- Holding structure: a unit trust with a corporate trustee holds the property and leases it to the trading company at market rent, which supports serviceability.
Cash flow lens: at market rent, debt service cover would be modelled on the trailing twelve months, with sensitivity for off-peak trade and party bookings.
How we would approach it: we would map the ranges, structures and repayments and take the file to the lenders that suit it. The figures above are illustrative, not confirmed outcomes.

Beyond the mortgage: trampoline park finance

Asset finance for trampoline and attractions equipment: Fund tramp frames, airbags, foam pits, climbing walls, ninja rigs, harness systems and cafe equipment with trampoline park equipment finance on terms aligned to useful life.
Fit-out and refurbishment finance: Stage capital for new zones, safety padding upgrades, mezzanine seating or acoustic treatments without draining operating cash.
Working capital loans: Smooth seasonality around school holidays, term renewals and marketing pushes with working capital for a trampoline park.
Business overdraft: Flexible headroom for payroll spikes, foam cube replacement and unexpected maintenance.
Refinancing and debt consolidation: Reset rates, extend terms and simplify multiple facilities to improve monthly cash flow.
Construction and renovation: Fund extensions, additional parking or internal reconfiguration to lift capacity and throughput.
Business or premises acquisition finance: Back a second site, buy out a partner or secure the freehold next door to expand.

Owning the premises can free equity for equipment and refurbishment, while a refinance can consolidate short-term facilities into a clearer structure.

Working with a trampoline park finance specialist

ACG arranges and structures commercial mortgages specifically for trampoline park operators. We align the finance to how you intend to hold and occupy the property, then coordinate the loan, security and lease settings to suit your cash flow and growth plan.

We service Sydney, Melbourne, Brisbane, Gold Coast, Perth, Adelaide, Canberra and surrounding metro and regional areas. Ardent Capital Group is a specialist in commercial mortgages and our team can help you today. Over a decade we have helped facilitate more than $500,000,000 in funding for over 1,000 borrowers. Talk to us about a clear path to ownership and optimal financial outcomes.

The structure matters, and our trampoline park property loan specialists build it around your situation.

Common questions

What deposit do I need to buy a trampoline park premises? Owner-occupiers commonly access up to 80 per cent, so a deposit from around 20 per cent. Buildings with broad alternate use and a clear owner-occupier case sit at the stronger end of the range.

Will lenders count party and cafe revenue in serviceability? Yes, lenders consider all trading income, with a closer look at the stability of parties, school bookings and cafe sales, and may apply seasonality and expense normalisations.

How do ceiling height and zoning affect valuation and LVR? Clear span space with 8 to 12 metre clearance, adequate parking and appropriate zoning supports valuation and lender appetite, while acoustic, usage or parking constraints can pull LVR down.

Can my SMSF buy the building and lease it to my park? Where the premises qualifies as business real property, an SMSF can hold it and lease back to your trading entity at market rent, typically with a higher deposit and limited-recourse loan terms.

Can I use my residential equity towards the deposit? Many owners leverage their equity in a home or other property as additional security to reduce the cash needed at settlement, subject to serviceability and risk tolerance.

How do lenders view my fit-out in the valuation? Specialised fit-out tied to the slab is often valued conservatively, so funding is primarily against the land and building, with equipment and attractions better placed under asset finance.

What settlement timeline should I plan for? Four to eight weeks is common for an owner-occupier commercial mortgage with valuation, environmental checks, lease documentation and company or trust setup where required.

Written by

Nick Chong

Managing Director, M.AppFin, Dip. Mortgage Mgmt

Nick holds a Bachelor of Agricultural Economics, a Master of Applied Finance and an Advanced Diploma in Financial Planning. He founded Ardent Capital in 2016 after more than a decade in financial planning and mortgage broking. For the past ten years he has led a team of finance specialists, mortgage advisers, brokers and credit analysts, all working to secure optimal outcomes for clients and always acting in their best interests. The team brings both a qualitative and a quantitative approach to every deal.