Written & reviewed by Stephen A. Sobin, President of Select Commercial Funding LLC
Single-Use Business
Campground & RV Park Loans
We are pleased to offer campground & rv park loans for the purchase or refinance of campgrounds and RV parks nationwide, from $1,500,000. Select Commercial specializes in campground & rv park financing for small business owners who own their own campground, RV park and recreational properties. Because a campground & rv park is an owner-operated, single-purpose business, we place these loans mainly through SBA 504 and 7(a), with up to 90% financing. Compare today’s commercial mortgage rates.
Get a Free QuoteCampground & RV Park Loan Rates & Terms
Rates updated as of August 23, 2026
| Loan Type | Rate* | Max LTV |
|---|---|---|
| SBA 504 (Fixed) | 6.03% | Up to 90% |
| SBA 7(a) (Variable) | 6.75% | Up to 90% |
- Campground & RV Park purchase and refinance nationwide
- Up to 90% financing through SBA, 100% possible in some cases
- For seasoned operators and new owners
- Cash-out available for improvements or expansion
- Long terms, up to 25 years for real estate
- Loans from $1,500,000, no upfront fees
Rates last updated August 23, 2026. Rates and maximum LTV shown represent our best-case pricing scenarios. Actual rates, LTV, and loan terms are subject to underwriting approval and may vary.
What a Campground & RV Park Loan Can Cover
Many new owners underestimate the capital needed to open and run a successful campground & rv park operation. Beyond the real estate itself, we can finance:
- Acquisition of the real estate and the operating business
- Furniture, fixtures and equipment (FF&E)
- Closing costs
- Working capital
- Rehab, improvements and expansion
For a startup or an expansion, projection-based income can sometimes be used to qualify, an option traditional banks rarely match. Seller-financed campgrounds and RV parks can also be refinanced onto longer terms.
Three Main Sources of Campground & RV Park Financing
There are three main sources of campgrounds and RV parks financing, and as a broker we compare all of them for your deal:
- SBA loans (504 and 7a): the most common route for campgrounds and RV parks, offering high leverage up to 90%, long terms and flexible underwriting for owner-operators.
- Seller financing: sometimes available on acquisitions, and often used alongside an SBA or bank loan.
- Conventional bank loans: available for stronger operators, though most conventional lenders steer clear of campgrounds and RV parks due to the specialized risk profile.
Campground and RV Park Industry: 2026 Numbers
Outdoor hospitality demand is holding at post-2020 highs while new supply barely grows, a strong setup for existing park owners. Current data (2026):
- More than 52 million North American households camped in 2025, and 8.1 million households own an RV.
- About 12,290 private parks with roughly 1.5 million campsites, and supply growing only about 0.2% per year.
- Parks trade at 8% to 9% cap rates (2026 survey data), among the highest yields in commercial real estate.
- Extended-stay and park-model sites are the fastest-growing revenue play, with annual RV base rents rising about 4% at the large operators.
We finance campgrounds and RV parks nationwide, including Florida, Texas, Arizona, Colorado and Michigan, and in metros such as Tucson, Tampa, San Antonio, Denver and Grand Rapids.
Campground and RV Park Lending: 2026 Outlook
Demand stays historically high while supply barely moves: more than 52 million North American households camped in 2025, against roughly 12,290 private parks growing only about 0.2% per year. RV shipments are forecast to ease to about 314,000 units in 2026 from 342,220 in 2025, but the installed base of 8.1 million RV-owning households keeps sites full, and operators are shifting toward extended-stay and park-model sites, where annual base rents rose about 4% at the large operators. With parks trading at 8% to 9% cap rates (2026 survey data), buyers get some of the strongest yields in commercial real estate, and SBA financing covers both the real estate and campground improvements.
Why a Campground & RV Park Loan Specialist Matters
Most conventional lenders avoid campgrounds and RV parks because the real estate and the operating business are intertwined. Many small business owners looking to refinance or take cash out have trouble getting traditional bank loans because of their company size, a specialized property type, credit history, or difficulty producing tax returns. It is important to choose a lender who has experience with campgrounds and RV parks and understands how to analyze these transactions.
With more than 30 years of experience, we finance campgrounds and RV parks that generalist lenders will not, with no upfront application or processing fees and written pre-approvals within 48 hours. See our business loans and special-purpose pages for related options.
What Our Clients Say
“I needed an SBA loan and found Select Commercial. It was obvious Stephen knew everything about commercial loans. If you are starting a small business, definitely give them a call.”
Larry S. · Washington, DC“I needed a business mortgage for my small business. Stephen helped me the entire way and was always accessible. I highly recommend them.”
Jonathan M. · Seattle, WA“I am a veterinarian who purchased an existing practice. I was surprised to find a company that offered 100% financing at a good rate, with great terms and rates for medical office financing.”
Carol K. · Chicago, IL“Select Commercial offered 100% financing for my medical practice when my bank would have required 20% down. They delivered something my bank could not, and handled everything professionally.”
John C. · Boston, MAGet Your Campground & RV Park Loan Quote
No cost, no obligation. Written answers within 48 hours from $1,500,000.
- No application or processing fees
- Written answers within 48 hours
- For 5+ unit and commercial properties, $1.5M and up