RV Park & Campground Financing in Florida
Direct lender for RV parks, campgrounds, RV resorts and glamping resorts. SBA, conventional commercial and bridge loans, with high-leverage options beyond SBA.
Get a QuoteRV park financing in Florida is a specialty, and RV Park Loans Direct does nothing else. Operated by Commercial Loans Florida, Inc. in South Pasadena, we are a direct lender for the outdoor hospitality sector and we also work with lending partners, which means an RV park, campground, RV resort or glamping resort can be financed from one desk whether it needs an SBA loan, a conventional commercial loan or a bridge loan. We fund acquisitions, refinances, portfolio expansions, value-add parks and resort developments in Florida and nationwide.
Rates vary with the loan-to-value ratio and the credit score, and the fastest way to a quote is the brief online application. Below is how we look at a park, which loan fits which situation, what we finance and how the process runs from application to closing.
Why Florida RV Parks and Campgrounds Are Financed Differently
A campground loan in Florida is not a standard commercial mortgage. Three things set these properties apart. First, seasonal cash flow: snowbird season fills a park from fall to spring and summer can run quiet, so a park with predictable annual patterns can still show months that a bank does not like. Second, mixed land and business value: the collateral is real estate, but the income comes from an operating business with staff, utilities, reservations and amenities. Third, the site mix: transient sites, seasonal sites and long-term or annual sites behave like different businesses under one roof. A lender that understands all three can finance a park that a traditional bank declines.
Loan Types We Offer, and When Each Fits
RV park loans by situation
SBA Loans
For owner-operated acquisitions where the buyer will run the park. Government-guaranteed programs with long repayment terms. <a href="/sba-rv-park-loans-florida">SBA RV park loans in Florida</a>.
Conventional Commercial Loans
For stabilized parks with an operating history, including investors who will not operate the park themselves. Read <a href="/conventional-commercial-loans-florida-rv">conventional commercial loans for Florida RV parks</a>.
Bridge Loans
For value-add parks, fast closings, seller-financing gaps and parks that are not bank-ready yet. Short-term money that gets you to the park and then to the long-term loan. Read <a href="/bridge-loans-florida-rv-park">bridge loans for Florida RV park developments</a> and <a href="/seller-financing-rv-parks">seller financing in RV park transactions</a>.
What We Look At
Every RV park lender in Florida reviews the same file; the difference is what we do with it. We look at:
- Occupancy and site mix: how many transient, seasonal and annual sites, and how full they run through the year.
- Revenue history or seller records: formal financials when the park has them, the seller’s records when it does not.
- The operator’s plan: who runs the park, what changes and what the budget is for a value-add project.
- The real estate: the land, the improvements, the utilities and the room to add sites.
- Credit and liquidity of the borrowers.
What We Finance
From a single park to a portfolio
Acquisition
Buying an existing RV park, campground or RV resort.
Refinance and cash-out
Replacing seller notes or short-term debt, or taking equity out of a park you own.
Expansion and new sites
More pads, utilities, roads and amenities on land you control.
Glamping and resort development
Cabins, glamping units and resort amenities that lift the rate per night.
Portfolio
Several parks under one owner, financed together or one at a time.
From Application to Closing
How RV park financing works with us
Licensed mortgage brokers bring us RV park deals every week; when we lend our own funds we work under a written agreement. Read about RV Park Loans Direct or our RV park financing articles.
Frequently Asked Questions
Who finances RV parks in Florida?
RV Park Loans Direct, operated by Commercial Loans Florida, Inc., is a direct lender for RV parks, campgrounds, RV resorts and glamping resorts in Florida and nationwide, and also works with lending partners for SBA and conventional files.
Can I get a loan for a campground with seasonal income?
Yes. A seasonal business with predictable annual patterns is normal for a Florida campground. Traditional banks walk away from it; we underwrite the full year.
Do you finance RV resorts and glamping?
Yes. We finance RV resorts, glamping resorts, resort developments and glamping units added to an existing park.
What is the minimum down payment for an RV park loan?
It depends on the loan type and the park. SBA, conventional and bridge loans each have their own structure. Contact us with the park and we will tell you what each path requires.
Can brokers bring RV park deals?
Yes, licensed mortgage brokers can bring RV park deals. When we lend our own funds we work with a written agreement.
What interest rate will I get?
Rates vary with the loan-to-value ratio and the credit score, so we quote each park individually. The brief online application is the fastest way to a quote.
Do you finance RV parks outside Florida?
Yes. Our office is in South Pasadena, Florida, and we finance outdoor hospitality properties nationwide.
Can I buy a park that is not bank-ready yet?
Often yes, with a bridge loan. It funds the purchase and the improvements, and the long-term loan comes once the park’s numbers support it.
Ready to finance your RV park or campground?
Get a QuoteCommercial Loans Florida, Inc., 1155 Pasadena Ave S, Suite H, South Pasadena, FL 33707. Call (727) 642-1166, email dcaceres@commercial-loans-florida.com or send us the park.