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Gym and Recreation

Splash Pad Financing

Splash pads have become a favorite summer amenity. They give kids a place to cool off without the lifeguards, depth, and drowning risks that come with a pool. Homeowners associations, apartment communities, campgrounds, RV resorts, hotels, family entertainment centers, and parks use them to attract families and boost summer traffic.

A splash pad is part equipment and part construction project. Financing lets you plan the full build, from spray features to underground plumbing, and spread the cost over time.

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Programs that fitEFA$1 Buyout LeaseSBA Loans

Splash Pad Equipment We Help You Finance

  • 01

    Splash Pads

    A splash pad is a flat play area with a nonslip surface, drains, and a set of water features controlled by an activation system. Planning starts with size, expected users, and age range. You'll decide on the surface, often textured concrete or poured rubber, and the controller that sequences the water. Motion or push button activators help save water by running only when kids are playing. Work with a designer who understands local health codes, since requirements for public splash pads vary widely. Splash pads are custom installations and almost always built new.

  • 02

    Spray Features

    Spray features are the fun part: ground sprays, arches, water cannons, tipping buckets, mushrooms, and themed sculptures. Mix ground level sprays for toddlers with taller interactive features for older kids. Consider materials like stainless steel and powder coated aluminum that resist corrosion and fading. Look at flow requirements, since each feature affects pump and plumbing sizing. Themed features can match your community or brand. Many operators start with a core layout and add features later, so ask your designer to plan for future connections.

  • 03

    Water Recirculation Systems

    Recirculation systems collect, filter, sanitize, and reuse water instead of sending it to the drain. They include a collection tank, pumps, filters, and sanitation like chlorine feeders and UV treatment. They cost more upfront than a flow through system, which uses fresh water once, but they can save a lot of water over time and may be required in your area. Consider the equipment room location, controller automation, and ease of maintenance. A reliable system keeps water safe and helps you pass inspections.

Why Finance a Splash Pad Instead of Paying Cash

Splash pads combine equipment, excavation, plumbing, and concrete work, so costs add up. Financing lets communities and businesses move forward without draining reserves or waiting for several budget cycles.

For businesses like campgrounds and entertainment centers, a splash pad can help drive bookings and extended stays that support the payments. Your purchase may qualify for Section 179 deductions; check with your tax professional.

What Your Financing Can Include

Depending on the lender, your splash pad financing may include:

  • Design and engineering drawings
  • Excavation, underground plumbing, and drains
  • Concrete or rubber play surfaces
  • Pumps, filtration, and sanitation equipment
  • Equipment vaults or pump houses
  • Installation, startup, and staff training

Programs That Work Well for Splash Pads

  • Program

    $1 Buyout Lease

    Lease payments, then own it for one dollar at the end, suited to a long lasting amenity.

  • Program

    SBA Loans

    Government backed loans up to $5MM for larger projects, such as a campground or entertainment center expansion that includes a splash pad.

Pairing water play with dry play? See playground equipment financing.

New Business or Established, We Can Help

Opening a new campground or entertainment venue? Equipment financing is available from day one for startups. Established communities can add a splash pad to refresh their amenities. Learn more on our gym and recreation financing page.

What You'll Need

Requests under $150K can often be approved on the application alone. Funding can often finalize with a driver's license and the builder's invoice. Larger projects may benefit from financial statements.

Frequently Asked Questions

Still have a question?

Talk to a real person. We're happy to walk you through your options.

Can site work and plumbing be financed with the splash pad?

Depending on the lender, excavation, plumbing, and concrete work can often be included with the equipment. Send us the full contractor proposal.

Should we choose a recirculation system or flow through?

Recirculation systems cost more upfront but can reduce water use and may be required locally. Flow through systems are simpler but use fresh water continuously. Your designer and local health department can help you decide.

Can an HOA or apartment community finance a splash pad?

Often, yes. Homeowners associations and property managers regularly finance splash pads as resident amenities. Lenders may ask for association or property financials.

Can we add spray features later?

Yes. Many owners start with a core design and add features in a later phase. A new project can often be financed when you're ready to expand.

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