Direct Capital for the RV Park & Resort Industry

Explore direct RV park loans, campground financing, and glamping resort capital. High-leverage options beyond SBA, including conventional and bridge loans.

At RV Park Loans Direct, we specialize in financing the $25B outdoor hospitality sector. Whether you are acquiring a value-add park in Florida or developing a luxury glamping resort in the Pacific Northwest, we provide the sophisticated capital structures that traditional banks miss. We offer SBA loans and SBA loans alternatives.

At RV Park Loans Direct, we provide the liquidity and structural expertise needed to fund large-scale acquisitions, portfolio expansions, and high-end resort developments across the United States.

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Most lenders see inconsistent monthly revenue and walk away. We see a seasonal business with predictable annual patterns and a value-add opportunity that traditional financing often overlooks.

At Commercial Loans Florida, Inc., we specialize in obtaining financing for RV parks and campground properties nationwide. We don't just look at a balance sheet; we evaluate your deal with the same analytical eye we use for our own investments.

Our Expertise in Seasonal Financing

Predictable Modeling

We understand how to normalize seasonal fluctuations to show lenders the true annual strength of your asset.

Value-Add Recognition

Whether it’s adding sites, upgrading utility hookups, or expanding amenities, we secure capital that accounts for future growth, not just historical performance.

Diverse Loan Products

Access to SBA 7(a) and 504 programs, conventional hospitality loans, and flexible alternative financing.

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Multiple Financing Options

SBA Loans

Competitive Rates
Up to 90% loan-to-value (LTV)
Up to $5M in funding
Terms of up to 25 years
No balloon payments

Conventional & Bridge Loans

Loan Amount: $200k-$10M.
Loan Terms up to 3 years. (Bridge Loan)
Origination Fee: 3-6 points.
Interest-Type: interest-only or full term.
Improvements Up to 100% of constructions and CAPEX funded.

Understanding SBA Loans...

SBA 7(a)

An SBA 7(a) can finance up to $5 million and can be used for real estate, business acquisitions/change of ownership, equipment, improvements and working capital. Real-estate-related 7(a) financing can generally have maturities of up to 25 years.

That makes it particularly useful for something like:

Purchase price: $3,000,000 RV Park

The acquisition might include land, 80 RV sites, office/store, bathhouse, laundry facilities, equipment, existing operating business and goodwill. Instead of trying to separate everything into a commercial real-estate loan and business loan, a 7(a) acquisition loan can potentially finance the combined transaction.

SBA 504

SBA 504 is more appropriate when the transaction is predominantly fixed assets—for example, acquiring land/buildings, constructing or substantially renovating a campground, or purchasing long-life equipment. SBA describes the typical structure as approximately 50% bank first mortgage + up to 40% CDC/SBA financing + at least 10% borrower equity.

However, 504 cannot finance working capital or inventory, and it cannot be used for passive/speculative rental real estate.

Important issue with RV parks

The underwriting presentation matters. You want to establish that this is an operating hospitality/recreational business, with services and active management—not merely:

"We own land and rent spaces to tenants."

A campground/RV resort with transient guests, reservations, utilities, amenities, maintenance, management, laundry, store, recreational facilities, etc., presents much more clearly as an operating business.

Also, as of July 2026, SBA announced that borrowers can combine 7(a) and 504 financing for up to $10 million in SBA-backed financing, which could be interesting for larger RV resort/campground projects.

What we finance

Park Acquisitions
Value-Add Repositioning
Infrastructure Upgrades
Interest-Type: interest-only or full term.
Expansion & Site Addition
Seasonal Cash Flow Bridges
Portfolio Consolidation

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DSCR Calculator

DSCR = NOI ÷ Annual Debt Service. Toggle Interest-Only to calculate the payment using interest only.

Inputs

Amortizing P&I

NOI (Net Operating Income)

Annual NOI before debt payments.

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Note: For guideline purposes only.

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Tip: Set loan amount, rate, and NOI. Use the Target DSCR slider below.

Target DSCR, Minimum NOI, and Coverage

DSCR: 1.20x

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Online Application

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Frequently Asked Questions

How We Underwrite Seasonal RV Park Income

We evaluate RV parks based on their full annual revenue cycle rather than focusing on a single month or a trailing quarter. Our underwriting process is designed to capture the true health of a seasonal business by analyzing: Peak Season Performance, Shoulder Season Stability, Off-Season Baselines, Year-Over-Year Trends.

Can I Include Expansion Capital in My RV Park Bridge Loan?

Yes. We specialize in structuring bridge loans that do more than just facilitate an acquisition; we build in improvement and expansion holdbacks tailored to your growth strategy.

What Are the Typical Exit Strategies for an RV Park Bridge Loan?

A bridge loan is a powerful tool for acquisition or renovation, but having a clear "take-out" plan is essential. Common Exit Paths include Refinance into Long-Term Debt, Sale of the Asset, Recapitalization.

What are the main highlights and requirements to finance?

Financing starts at $100,000. We finance properties ranging from 30 to 300+ sites and beyond.

Does Commercial Loans Florida Finance Campground Conversions or Ground-Up RV Park Development?

Yes. We specialize in the "value-add" space, but we also have the resources to look at more complex development projects.