RV Park Refinance & Cash-Out Loans

Replace seller notes or short-term debt, take equity out, or fund your next expansion.

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Why RV park owners refinance

Replace a seller note or a bridge loan with long repayment terms
Take equity out of a park you own to fund improvements or another acquisition
Consolidate several parks into one portfolio loan
Fund new sites, hookups and amenities that raise revenue

Loan programs at a glance

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SBA loans

Up to 90% loan-to-value, up to $5M, terms up to 25 years, no balloon payments.

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Conventional & bridge

$200k–$10M; bridge terms up to 3 years; interest-only or full term; origination 3–6 points.

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Improvements

Up to 100% of construction and CAPEX funded on qualifying projects.

Long-term SBA financing for a refinance

An SBA 7(a) can refinance a park you already own, replacing seller notes or short-term debt with real-estate maturities of up to 25 years and no balloon payments. Read SBA RV park loans.

Conventional and bridge refinancing

Stabilized parks with an operating history, including those owned by investors who do not run them, can refinance into conventional commercial loans. A park in the middle of a value-add plan can use a bridge loan ($200k–$10M, up to 3 years, interest-only available) until the new revenue shows on the books.

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.

From application to closing

Apply online

Complete the brief application — the fastest way to a quote (<a href="/">online application on our home page</a>).

Review

We review the park, its occupancy and revenue or seller records, your plan, credit and liquidity.

Terms

You receive the loan type that fits — SBA, conventional or bridge — with the terms for your file.

Closing

We coordinate the lenders, the title company and, when SBA is involved, the SBA, through closing.

Frequently Asked Questions

Can I refinance a seller note on my RV park?

Yes. Replacing seller notes or short-term debt with long repayment terms is one of the most common refinances we arrange.

Can I take cash out of my RV park?

Yes, depending on the park’s value and performance; equity can fund improvements, new sites or another acquisition.

Can I refinance several parks together?

Yes — portfolio consolidation is one of the things we finance.

What terms are available?

SBA real-estate maturities up to 25 years with no balloon payments; conventional and bridge loans from $200,000 to $10,000,000.

Does a seasonal park qualify for a refinance?

Yes. We underwrite the full annual revenue cycle rather than a single month.

Ready to refinance or pull equity from your park? Get a quote.

Get a Quote

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.