Favorable Terms for Theater Owners

Movies enrich our lives and our culture. As an independent cinema owner, you have the unique privilege–and challenge–of providing an exceptional and modern movie-going experience for your customers. From adding recliner seating to additional food and beverage concepts such as pizza ovens, we know it can be difficult to keep up with the evolving demands of the cinema industry. We’re here to help.

When it comes to upgrading your cinema or adding new amenities, you need to work with a financing partner who shares your knowledge of the industry. Our entertainment center lending team has experience providing customized movie theater financing packages to businesses all over the country. When you work with a lender who understands your industry, you don’t have to spend large amounts of time explaining your business to them, which ultimately saves you time and makes the lending process run more smoothly.

In the past, cinemas often had to fund business growth and upgrades themselves or settle for outrageous interest rates from conventional lenders. That doesn’t have to be your experience. Whether you need financing for furniture, fixtures and equipment or modernization or you’re simply looking to refinance existing debt, we’ve got you covered.

Need a little guidance and advice? Contact a loan specialist, they're ready to help

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Loan Solutions

  • FF&E

    As a cinema owner, you know that every little detail of your theater matters. If you’re ready to upgrade your seating, sound, lighting and food, we can provide FF&E financing.

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  • Modernization

    It's essential for you to remain competitive in the cinema industry by meeting the evolving demands of your customers. We can help you ensure your cinema is modern.

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Refinance calculator

Use our refinance calculator to see the savings you could achieve through entertainment center refinancing and consolidation of your debt.

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How To: Write a Business Plan

Whether you’re starting a bowling center or expanding an existing one, your first step is to develop a business plan.

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Why Live Oak


Trusted Advisors

If you’re a cinema owner looking to expand your offerings or refinance existing debt, our team of entertainment center lending experts is ready to help. In 2017, half of our new loans were made to existing customers. What does this mean? It means that our customers know we get it and that they trust our financing knowledge and expertise. We aren’t just your lender; we are your trusted business partner and analyst that can offer guidance to help you avoid costly mistakes during the financing process and beyond.



We care deeply about the success of your business. Once your loan closes, you will be connected with a Live Oak Bank business analyst, who will assist you with all loan questions, perform a quarterly financial analysis and make ongoing recommendations to grow your cinema business. Your dedicated business analyst is available to you whenever you need them, and will visit your business’s site annually. Fostering long-term relationships with our customers—and ensuring they succeed–is our top priority.


Favorable Terms

Cinema owners who work with us enjoy a number of advantages and benefits, including no balloon payments or covenants on 25-year real estate financing, which enables you to maintain better cash flow to run your business. We also offer flexible prepayment options, which give you the ability to pay down your loan early or refinance without penalty for loan terms greater than 15 years. Our favorable terms differentiate us from other lenders—and encourage our customers to work with us time and time again.

Our Entertainment Centers Team
your business.

We're ready when you are
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From our Entertainment Centers Resource Center

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