RV Park Acquisition Loans

How to get a loan to buy an RV park

Buying an RV park means financing the land, the sites, the buildings, the equipment and the operating business with its goodwill. The right loan depends on who will run the park, how stabilized it is and how fast the seller wants to close.

SBA 7(a): one loan for the whole transaction

An SBA 7(a) can finance up to $5 million for real estate, a business acquisition or change of ownership, equipment, improvements and working capital, with real-estate maturities of up to 25 years. For a $3,000,000 RV park with land, 80 sites, an office and store, bathhouse, laundry, equipment and the operating business, a 7(a) acquisition loan can potentially finance the combined transaction instead of splitting it into a real-estate loan and a business loan.

When the seller will not wait — or the park is not bank-ready

A seller who will not wait for an SBA timeline, a value-add park whose income does not support an SBA underwrite yet, out-of-state buyers and investors who will not operate the park — for those files we lend through conventional commercial and bridge loans, and we can work alongside seller financing. Read seller financing in RV park transactions.

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.