How to Finance a Pacific Pines Golf Franchise: 24/7 Indoor Golf
By Chris Cornella
A Pacific Pines Golf franchise loan funds a members-only indoor golf club: simulator bays, a lounge and putting area, app-controlled 24/7 access and the working capital to sign up members. The franchisor estimates an initial investment of about $160,000 to $350,000, and Pacific Pines Golf & Social Club is on the SBA Franchise Directory with a note about leases and real estate collateral.
US Professional Funding is not affiliated with, sponsored by or endorsed by Pacific Pines Golf & Social Club; the name is used only to describe the business. Figures from the franchisor’s website and disclosure document can change, loan programs and terms vary by lender and borrower, and every loan is subject to approval. Nothing here is legal, tax or investment advice; review the current Franchise Disclosure Document (FDD) and franchise agreement with a franchise attorney and an accountant before you sign.
Pacific Pines Golf Franchise Loan at a Glance
- Concept: a private membership indoor golf club with simulator bays, 24/7 member access through an app, leagues, tournaments and social events.
- Estimated initial investment: about $160,000 to $350,000, according to the franchisor’s franchise page.
- Franchise fee, royalty, net worth and liquid capital: not published on the franchise page; confirm them in Items 5, 6 and 7 of the FDD.
- Locations: the company lists a franchisee-operated club in Beaverton, Oregon, and a Coeur d’Alene, Idaho, location that also serves as its national franchise headquarters, with more coming.
- Revenue model: recurring monthly memberships rather than hourly bay rentals.
- SBA Franchise Directory: listed as “Pacific Pines Golf & Social Club” under code S8794, with a note on the collateral assignment of lease when real estate secures the loan.
What Is Pacific Pines Golf & Social Club?
Pacific Pines was started by a husband-and-wife team out of a long-standing love of golf, with the aim of giving golfers a place to play, practice and connect regardless of weather or time of day. The company is clear about its positioning: it describes itself not as a simulator business but as a private membership club built for golfers.
How the club works. Members get unlimited tee times and 24/7 access, unlocked and booked through a members-only app. Simulators use high-speed cameras, ball tracking, swing analysis, auto-tee systems and moving swing plates that tilt to match the ball’s lie, with more than 300 courses available. Prospective members book a demo before joining. The company’s website lists three monthly membership tiers, a four-month initial commitment followed by month-to-month billing, and guest passes for non-members.
The social side. Membership includes leagues, monthly tournaments with rotating formats and recurring events, including weekly member pairings and a monthly ladies’ night. Clubs feature a lounge, putting area and, at the Beaverton location, lessons, club fittings and a work phone booth.
Club sizes vary. The company’s location page lists three bays in Beaverton and one bay in Coeur d’Alene, which shows how the format can scale to the space and market.
How lenders see it. Indoor golf is a newer category, and Pacific Pines is a young franchise system. Lenders will like the recurring membership revenue and the franchisor’s description of a self-directed, semi-passive operation with limited day-to-day staffing. They will focus on the owner’s capital, the lease, the cost of simulator equipment and how quickly membership can reach break-even.
Pacific Pines Golf Franchise Costs
The franchise page gives one headline figure: an initial investment of about $160,000 to $350,000. For your Pacific Pines Golf franchise loan, the FDD’s Item 7 table will break that down.
Initial franchise fee. The fee is not published online. Find it in Item 5 and ask whether multi-unit pricing exists.
Leasehold improvements. Bays need open space, adequate ceiling height, impact-safe walls and screens, lighting, electrical and HVAC work, plus finishes for the lounge and putting area. The franchisor provides site selection and build-out guidance.
Simulators and technology. The franchise page says clubs are powered exclusively by one simulator platform. Simulator packages, swing plates, putting technology, computers, projectors and screens, and the access-control and camera systems that make 24/7 entry possible are likely to be the largest equipment line.
Opening costs and working capital. Pre-opening marketing, demos and membership drives, deposits, insurance and several months of rent and operating costs while membership grows.
When you review Item 7, expect categories along these lines:
- Initial franchise fee
- Lease deposits and rent before opening
- Leasehold improvements and build-out
- Simulator bays, putting technology and computers
- Access control, security cameras and member app set-up
- Furniture, lounge fixtures and signage
- Pre-opening marketing and membership launch
- Insurance, licenses and professional fees
- Additional funds for the initial operating period
The width of the range reflects how much the space, the number of bays and the condition of the building can move the total.
Ongoing Fees and How They Affect Your Loan
Royalty and marketing. The franchise page does not state them. Take the royalty, any brand or marketing fund and technology fees from Item 6.
Simulator software and app fees. Simulator platforms and member apps often carry subscription or licensing costs. Ask whether they run through the franchisor or directly to vendors, and include them in projections.
Rent. For a members-only club, rent is usually the largest fixed cost. Because the club runs 24/7 with limited staff, labor may be lighter than at a typical entertainment venue.
How lenders factor these costs in. Lenders project monthly membership revenue, subtract royalty, marketing, software, rent, utilities and any staff, then test whether the remaining cash covers debt service. They will also want to see how many members you need to break even and how long the plan assumes it takes to get there.
Franchisor Requirements for New Owners
The franchise page does not list a minimum net worth, liquid capital or experience requirement, so ask for them and confirm them in the FDD. The franchisor describes its support as:
- Site selection and build-out guidance
- Launch and membership growth frameworks
- Technology implementation support
- Community and retention programming
Availability. The franchise page lists a number of states where franchises are not currently available, including several that require franchise registration before sales. Confirm that your state is open before you spend on site work.
Ways to Own a Pacific Pines Golf Club
A new club. Most franchisees will open a new location in leased space. Financing covers the fee, build-out, simulators and working capital. See our page on family entertainment start-up financing.
Buying an existing club. As the system grows, an existing club may come up for sale with an established membership base. Lenders can underwrite actual member counts and results, and the franchisor must approve the transfer. Read about family entertainment acquisition financing.
Financing Options for a Pacific Pines Golf Franchise
SBA 7(a) loans. Because the brand is on the SBA Franchise Directory, an SBA 7(a) loan can fund the franchise fee, build-out, simulators and working capital for qualified borrowers. See the SBA section below.
SBA 504 loans. If you buy the building that houses your club, an SBA 504 loan can finance owner-occupied real estate, and the directory note below becomes relevant.
Conventional term loans. Borrowers with strong credit and collateral may use conventional business loans, especially for a second club.
Equipment financing. Simulator packages, swing plates, screens, projectors and putting technology can be financed or leased against the equipment, preserving cash for build-out and marketing. Learn about family entertainment equipment financing.
Working capital and lines of credit. A membership club needs time to reach its target member count, and indoor golf demand tends to rise in colder and wetter months. A line of credit can carry rent and software costs through the ramp-up and slower seasons. See our family entertainment working capital options.
Seller financing on resales. A seller may carry part of the price of an existing club. Any seller note must be acceptable to the senior lender, is typically subordinate to it, and loan programs may limit it.
SBA Loans for Pacific Pines Golf Franchisees
SBA lending for franchises runs through the SBA Franchise Directory, a list of brands whose franchise agreements have been reviewed for SBA eligibility. SBA lenders generally require a listing before making an SBA-guaranteed loan to a franchisee. A listing does not approve any borrower.
The directory listing. The brand appears as “Pacific Pines Golf & Social Club” under code S8794, with this note: “When the real estate where the franchise business is located will secure the SBA-guaranteed loan, the Collateral Assignment of Lease may not be executed.”
What the note means. Many franchisors ask a franchisee’s landlord to sign a collateral assignment of lease, which lets the franchisor step into the lease if the franchise ends. That works when the franchisee rents. But if the franchisee, or a related company, owns the building and that property is pledged as collateral for the SBA loan, the note says the collateral assignment of lease may not be executed, so the lender’s claim on the real estate is not complicated by a franchisor right over the same property. If you plan to buy your building, raise this with your lender and the franchisor early. For a typical leased club, the standard lease documents apply.
Program size. The SBA 7(a) program maximum is currently $5 million, though program rules can change. Our SBA loan calculator gives early payment estimates for planning only, not an offer or approval.
How Lenders Evaluate a Pacific Pines Golf Deal
Personal credit and financial history. Expect a review of credit, tax returns and a personal financial statement, with a personal guarantee.
Net worth and liquidity. Lenders want your equity injection plus reserves to carry the club until membership builds.
Industry and management experience. Golf industry, hospitality, fitness club or membership business experience helps, as does a local network of golfers. Because operations are largely self-directed, community building and sales matter more than managing a large staff.
Business plan and projections. Build projections around member counts by tier, churn after the initial commitment, guest pass and lesson revenue, bay capacity and seasonality. Keep the ramp-up realistic for a new club.
The FDD and franchise agreement. Lenders review the term, renewal, transfer, territory and Item 10 financing disclosures. Our guide to how lenders read a Franchise Disclosure Document covers what matters most.
The site and lease. Lenders will review lease term, rent, renewal options and whether the space suits simulator bays. Our article on entertainment center leases explains the key terms.
Emerging-brand considerations. With a small number of open clubs, lenders will rely more on your capital and experience than on system history. Read about financing an emerging franchise.
Simulators, Access Control and Security
The equipment package is the heart of the club. Each bay combines a simulator, launch monitoring cameras, an auto-tee system, a moving swing plate, an impact screen and projector. Putting technology and a lounge round out the space. Because members enter around the clock, access control, cameras and the member app are essential to operating with limited staff.
These assets wear and evolve, so many owners finance them separately from the build-out and plan for upgrades over the life of the franchise. Ask the franchisor which equipment is required and whether it must be bought through approved suppliers.
Multi-Unit Growth
The company says more locations are coming, and a recurring-revenue, semi-passive model can lend itself to owning more than one club. Once your first club has a stable membership base, lenders can underwrite its cash flow alongside a second location. Each new club needs franchisor approval and its own lease review.
Real-World Scenarios
A golfer opening a first club. A long-time golfer with business management experience leases space in a suburban shopping center and uses an SBA 7(a) loan for the fee, build-out, three bays and working capital, with pre-opening demos to sign founding members.
Equipment financed separately. A buyer funds the build-out with a term loan and leases the simulator packages, keeping more cash for marketing during the first winter.
Buying the building. An owner who wants to buy the building for a second club works with the lender on an SBA 504 structure and with the franchisor on the lease documents, keeping the directory note in mind.
Common Mistakes to Avoid
- Signing a lease before confirming franchise availability in your state
- Underestimating build-out needs such as ceiling height and electrical work
- Leaving simulator software and app subscriptions out of projections
- Projecting full membership on opening day
- Ignoring the directory note when planning to own the real estate
For more pitfalls, read the entertainment center loan mistakes owners make.
Next Steps to Finance Your Pacific Pines Golf Franchise
Step 1: Request the FDD. Ask for net worth, liquidity and experience requirements, and confirm your state is open.
Step 2: Review the FDD with advisors. Focus on Items 5, 6, 7, 10, 17 and 19.
Step 3: Find a site. Use the franchisor’s site guidance and get build-out estimates.
Step 4: Price the equipment. Get quotes for simulators, putting technology and access control.
Step 5: Talk with a financing specialist. Compare SBA 7(a), equipment and conventional options and build a membership-based plan.
Step 6: Apply and close. Coordinate loan closing with lease signing, build-out and your pre-opening membership drive.
Pacific Pines Golf Franchise Loan FAQs
How much does a Pacific Pines Golf franchise cost?
The franchisor estimates an initial investment of about $160,000 to $350,000. Confirm the full range and line items in Item 7 of the FDD.
What is the franchise fee and royalty?
They are not published on the franchise page. Find them in Items 5 and 6 of the FDD.
Can I get an SBA-backed Pacific Pines Golf franchise loan?
Yes, if you qualify. The brand is listed on the SBA Franchise Directory under code S8794, with a note on the collateral assignment of lease when real estate secures the loan.
Do I need to staff the club around the clock?
No. The franchisor describes a self-directed member experience with app-based 24/7 access and no day-to-day staff dependency.
Can I finance the simulators separately?
Often, yes. Simulator packages and related technology can be financed or leased as equipment.
Is the franchise available in every state?
No. The franchise page lists states where franchises are not currently offered, so confirm availability first.
Does Pacific Pines offer financing?
The franchise page does not describe direct franchisor financing. Check Item 10 of the FDD.
Final Thoughts
A Pacific Pines Golf franchise loan finances a club, not a bar or arcade: the build-out, the simulators and the runway to fill a membership roster. Get the full Item 7 table, confirm your state is open, price the equipment and plan for a realistic ramp-up, and lenders will have what they need to evaluate your request.
US Professional Funding helps franchise buyers and owners finance startups, acquisitions, equipment and working capital. Learn more about our franchise financing and family entertainment financing solutions.
