Campground Loans & Campground Financing
SBA, conventional and bridge financing for campgrounds, RV parks and outdoor hospitality — nationwide.
Get a QuoteCampground financing from a lender that knows the business
A campground is real estate and an operating business at the same time: sites, a store, a bathhouse, laundry, reservations and staff. RV Park Loans Direct, operated by Commercial Loans Florida, Inc., specializes in financing RV parks and campground properties nationwide, from a single family-run campground to a portfolio of parks.
Most lenders see inconsistent monthly revenue and walk away. We see a seasonal business with predictable annual patterns: we underwrite a park on its full annual revenue cycle, normalize the seasonal swings to show the true annual strength of the asset, and secure capital that accounts for future growth — added sites, upgraded hookups, new amenities — not just historical performance.
Loan programs at a glance
SBA loans
Up to 90% loan-to-value, up to $5M, terms up to 25 years, no balloon payments.
Conventional & bridge
$200k–$10M; bridge terms up to 3 years; interest-only or full term; origination 3–6 points.
Improvements
Up to 100% of construction and CAPEX funded on qualifying projects.
What a campground loan can pay for
- Buying an existing campground — land, sites, buildings, equipment and the operating business together
- Refinancing seller notes or short-term debt, or taking equity out
- Adding sites, pads, utility hookups, roads and amenities
- Cabins and glamping units that lift the rate per night
- Bridging seasonal cash flow while a value-add plan takes hold
SBA campground loans
An SBA 7(a) loan can finance up to $5 million and can combine the real estate, the business, equipment, improvements and working capital in one loan, with real-estate maturities of up to 25 years. SBA 504 fits projects that are mostly fixed assets — land, buildings, construction or major renovation. The underwriting presentation matters: a campground with transient guests, reservations, utilities, amenities and active management presents as an operating hospitality business, not land rented to tenants. Read more on our SBA RV park loans page.
When a conventional or bridge loan fits better
For speed, higher leverage, value-add parks whose income does not support an SBA underwrite yet, and investors who will not operate the park themselves, we lend through conventional commercial and bridge loans from $200,000 to $10,000,000. See RV park acquisition loans and RV park refinance.
From application to closing
Frequently Asked Questions
Who finances campgrounds?
RV Park Loans Direct, operated by Commercial Loans Florida, Inc., specializes in obtaining financing for RV parks and campground properties nationwide — SBA, conventional and bridge loans from one desk.
Can I get an SBA loan for a campground?
Yes. SBA 7(a) can finance up to $5 million for real estate, the business, equipment, improvements and working capital; SBA 504 fits fixed-asset projects. The campground must present as an owner-operated business.
How much can I borrow for a campground?
SBA loans up to $5 million (up to $10 million when 7(a) and 504 are combined, per SBA’s July 2026 announcement); conventional and bridge loans from $200,000 to $10,000,000.
How much do I need to put down?
SBA financing reaches up to 90% loan-to-value; the exact amount depends on the park, the program and your file.
My campground is seasonal. Can it still qualify?
Yes. We underwrite on the full annual revenue cycle and normalize seasonal swings, instead of judging a single slow month.
Do you finance campgrounds outside Florida?
Yes — we finance parks nationwide. See <a href="/rv-park-loans-nationwide">RV park loans nationwide</a>.
Buying, refinancing or expanding a campground? Get a quote.
Get a QuoteRelated loan programs: RV park acquisition loans · RV resort development loans · RV park refinance · glamping resort financing · SBA RV park loans · RV park loans nationwide
RV Park Loans Direct is operated by Commercial Loans Florida, Inc. · 1155 South Pasadena S, Suite H, South Pasadena, FL 33707 · Call (727) 642-1166 · Monday–Friday, 9:00 AM–5:00 PM EST · NMLS 1283562. Rates vary with the loan-to-value ratio and the credit score; all loans are subject to underwriting and approval.