Track Financing

2025 Just Became the Hardest Year for Track Owners

You’re not imagining it. Never in modern racing has it been this tough to keep the lights on. Insurance premiums are up 42-68% nationwide [web:1], car counts are down across every division, and good drivers are leaving for tracks with bigger purses. If you’ve laid awake asking “how much longer can I pay these premiums?”—you’re not alone.

🔥

Insurance: Renewals Up 68%
“My insurance went from $50K to $85K in two years—keeps climbing every renewal.”
Premia rising 15% per year, on average.

🏁

Driver Shortage: Car Counts Down 35%
“Saturday nights used to be packed. Now the pit area looks empty.”
Oval tracks report 15-40% drop since 2021 [web:2].

💸

Seasonality: Six Months of Panic
“I max out my credit cards every winter just to make payroll.”
Revenue gap lasts 6 months, but costs never stop.

🚧

Purses Shrinking, Facilities Aging
“Every dollar goes to keeping the lights on, nothing left for track surface or driver payouts.”
32% of tracks cut purses in 2024-25 [web:2].

“I lie awake at 3 AM every February, praying for April and wondering if we’ll even make it through the season.”
– Rick S., Track Owner, Wisconsin

Why Traditional Financing Always Fails Track Owners

Banks see “motorsports” and think “high risk.”

They focus on six months of revenue and say “No.” Generic lenders treat your business like a pizza shop or retail store. They don’t understand that when car counts drop, your entire model gets up-ended—or that your biggest cost, insurance, is nothing like a standard business expense.

We’re motorsports people, just like you. That’s why our programs are built for tracks that survive seasonality, wild insurance spikes, and real-world racing operations, not spreadsheets.

What’s Really at Stake If You Do Nothing?

Your track isn’t just a business—it’s a $500,000-$2,000,000 investment in your family, your legacy, your community. If you lock the gates, you lose:

Financially: A facility built by decades of sweat and equity, lost to rising costs.
Personally: The legacy of motorsports in your family, your town, your life.
Community: Working families lose affordable weekend entertainment, racers lose their home, and local jobs disappear.
Culturally: “Racing is dying in rural America and I’m watching it happen at my own track.”

“I’ve poured my heart and soul into this track for 15 years. The thought of closing because I can’t afford the insurance makes me sick.”
– Mike T., Speedway Owner

Imagine Owning a Track that Actually Thrives—not Just Survives

Opening your insurance renewal and knowing you can cover it—without gutting your purses or cutting safety upgrades.
Pit area packed with 120 haulers, not 65. Grandstands full because drivers are competing for real money again.
Making capital improvements every season—timing systems, safety barriers, track surface—without sleepless nights.
Sleeping through February because off-season expenses are handled (not maxed out on personal credit cards).

Our Specialized Solutions for Track Owners

🦺

Expense Reduction Program

Slash insurance, vendor, and maintenance costs 20-40% using insurance pool access, operational audits, and bulk deals.
Result: $25K-$50K+ annual savings typical.
Example: Reduced liability premium by 35% for a Missouri 3/8-mile dirt oval.

🏆

Purse Enhancement Funding

Working capital for raising purses—restores car counts, boosts entry fees.
Result: 30-50% purse increase, car counts rebound.
Example: Feature purse from $3K to $5K; 75 to 105 cars in one season.

🔧

Facility Improvement Loans

Low-rate financing for safety barriers, track surface, timing systems.
Result: Projects completed 3-5 years sooner.
Example: Safety barrier & timing upgrade landed $50K touring series contract.

💡

Seasonal Cash Flow Bridge

Bridge loans/credit lines to survive the off-season. No more borrowing against your house.
Result: Stress-free winters.
Example: $80K in winter storage covers offseason gap.

🚜

Equipment Financing

Lease or purchase new equipment with racing-season payment terms.
Result: $100K equipment with manageable costs.
Example: New grader & water truck slashed prep time 60%.

🚀

Growth Capital

Funding for new divisions, marketing, off-season projects.
Result: $50K-$150K/year in new revenue streams.
Example: Off-season car storage started bringing $80K/yr fast.

Track Owners Who Turned Crisis into Comeback

Missouri Dirt Track – Insurance Crisis Turned Around (8 Months)

Problem: Insurance soared from $48K to $82K in 2 years.
Quote: “I was 90 days from shutting down.”
Solution: Expense Reduction + Risk Pool Access.
Result: Saved $23K on insurance, purses up 25%, car counts up 40%, profitable again.

Texas Speedway – Solving the Driver Shortage (1 Year)

Problem: Car counts from 135 to 78.
Quote: “Saturday nights felt empty. Pit area was a ghost town.”
Solution: Purse Funding + equipment financing.
Result: Raised purse, started entry-level class, car counts rebounded to 115.

California Dragstrip – Surviving the Off-Season (6 Months)

Problem: Maxed out cards every winter, extreme family stress.
Quote: “My wife was ready to divorce me over the financial stress.”
Solution: Cash flow bridge + car storage initiative.
Result: $80K off-season revenue, no debt, planning second facility.

PA Oval – Deferred Maintenance Solved (18 Months)

Problem: Outdated safety barriers, failing track surface.
Quote: “I worried every year we’d have a serious accident.”
Solution: Facility loan w/ payment schedule.
Result: New barriers, surface, timing system. Lower premium, two series landed.

Midwest Coalition – The Power of Collaboration (2 Years)

Problem: Multiple tracks, same issues.
Solution: Combined buying power, shared equipment, coordinated marketing.
Result: Expenses down 22%, car counts up 30%, all tracks profitable.

Is This Right For Your Track?

This Works For:	This Doesn’t Work For:
Oval tracks, drag strips, road courses, karting $200K+ annual revenue Owners ready for operational improvements Facility with car count/cash flow struggles Committed to long-term operation Want to invest in purses & upgrades	In foreclosure or bankruptcy < $150K revenue (not sustainable) Planning to sell within 12 months No basic insurance or safety standards Refusing operational changes Unresolved legal/regulatory issues

We only work with owners serious about building long-term, sustainable racing facilities. If you’re just trying to survive one more season before selling, we’re not the right fit.

Why TrackFinancing.com Understands Your Track—not Just Your Balance Sheet

15+ years serves the racing industry, with 200+ tracks financed across 35 states.
$50 million deployed to motorsports-specific projects—even when banks said “no.”
Ex-track owners on staff. We’ve managed racing seasons, not just spreadsheets.
Exclusive insurance risk pools, racing-industry vendor programs, direct lender relationships.
Recognized partners with leading sanctioning bodies and track associations.

“Every lender treated us like ‘just another small business.’ These guys actually understood why our seasonal gap and car counts matter so much to racer retention.”
– Debbie H., Promoter, Maine

Frequently Asked Questions

“I’ve tried business financing before and it didn’t help. Why is this different?”

Generic loans ignore your insurance cycle, car count volatility, and off-season crunch. Ours are tailored with racing-season payments, revenue-based terms, and solutions for THIS industry.

“My track is really struggling. Can I qualify?”

Absolutely. If your challenge is rising costs, sagging car counts, or seasonal stress (not bankruptcy), you’re why we exist. Even tracks at 40% of historic numbers are now profitable again.

“How much will this cost me?”

Most programs pay for themselves in under a year. You get a written ROI forecast with your free track analysis—before you commit to anything.

“I can’t take on more debt right now.”

Many programs (like expense reduction) don’t require borrowing. Others use creative structures based on your cash flow, not just your credit score or asset list.

“What if my car counts keep dropping?”

It’s a real industry crisis—but purses, safety upgrades, and better fan experience have reversed the trend for dozens of tracks in 2025. The right investments matter.

“How soon do I see results?”

Expense reduction can show results in 30-60 days. Full upgrades 6-18 months. Your custom plan will spell out every step, start to finish.

“Do you work with tracks in my state/region?”

We fund motorsports facilities nationwide, with regional insurance and driver data expertise in all 50 states.

What Happens When You Call

Step 1: Free Track Analysis

30-45 minute call to assess your unique costs, car counts, cash flow—no pressure, no obligation.

Step 2: Assessment & Modeling

7-10 days for full financial/operational review and scenario modeling. You get clear recommendations only.

Step 3: Solutions Presentation

One hour, clear explanation: costs, results, and ROI forecast. Zero sales games.

Step 4: Implementation

Our team manages everything—insurance providers, vendors, paperwork, and you get weekly updates.

Step 5: Ongoing Partnership

Quarterly check-ins and support, evolving with your challenges and racing landscape.

The Real Cost of Waiting

Your insurance premium climbs even higher every week you delay.
Good drivers take their haulers elsewhere for bigger purses.
You keep lying awake at night—wondering if April will bring relief.
Your track falls further behind on maintenance, safety, and competitiveness.
Each month of hesitation, the turnaround gets harder—and the list of closed tracks grows longer.
The survivors won’t be the richest tracks, but those who made smart decisions in 2025.

“All I needed was someone who understood why this isn’t just about numbers. It’s about saving something that matters.”
– Brian L., Track Owner, Kansas

Your Track’s Turnaround Starts With One Phone Call

📞 (833) 987-2274
Open 7 Days a Week — Evenings Included Over 200 track owners have made this call. Not one has regretted it. You didn’t buy a track to watch it die. Let’s build a turnaround—starting today.

Stop Watching Rising Insurance & Costs Kill Your Track