SBA Loans for RV Parks

Step-by-step insight into securing an SBA 504 loan for RV parks and campgrounds.

RV parks require significant investment in land acquisition, infrastructure development, and property improvements. An SBA loan for RV park projects can provide long-term financing designed to support campground property purchases, facility construction, and expansion.

Many RV park owners use SBA 504 financing to acquire land, develop new park sites, or upgrade existing campground facilities. With lower down payments and long repayment terms, SBA financing helps park operators secure stable funding while preserving capital for operations and amenities.

APC Lending helps RV park owners secure SBA 504 financing for real estate acquisition, infrastructure development, and campground expansion projects.

Why SBA Loans Work Well for RV Parks

RV parks are real estate-intensive businesses that rely on land value and infrastructure investment. SBA 504 financing offers long-term stability and predictable financing costs.

Benefits include:

• Down payments as low as 10%
• Long repayment terms up to 25 years
• Fixed interest rates
• Financing for RV park real estate
• Funding for infrastructure and development

Because RV parks require permanent improvements such as utilities and site preparation, SBA financing is often an ideal funding solution.

What SBA Loans Can Finance for RV Park Projects

SBA 504 loans are designed to finance long-term assets such as commercial land and infrastructure.

RV Park Property Purchases

Operators often use SBA financing to purchase land or existing campground properties. Owning the property provides long-term operational stability.

RV Park Construction and Development

New RV park developments typically require financing for:

• land acquisition
• site preparation
• utility installation
• roadway construction
• amenity buildings

SBA loans can support long-term development projects.

RV Park Expansion Projects

Growing park operators may expand by adding:

• additional RV sites
• cabin rentals
• recreational amenities
• utility upgrades

SBA financing supports expansion with predictable repayment structures.

Infrastructure and Capital Improvements

RV parks rely on infrastructure such as:

• water and sewer systems
• electrical hookups
• roadways
• recreational facilities

SBA 504 loans can finance improvements with long useful lives.

SBA 504 Loans for RV Park Real Estate

RV parks are location-driven real estate investments. SBA 504 financing is commonly used to finance:

• standalone RV parks
• campground redevelopment projects
• conversion of land into RV parks
• expansion of existing park facilities

The SBA program generally requires that the operating business occupy the majority of the financed property.

How SBA Loans for RV Parks Are Structured

SBA 504 loans use a structured financing model.

Typical structure includes:

• Bank financing covering ~50% of project cost
• CDC/SBA financing covering up to 40%
• Borrower equity contribution around 10%

This structure reduces the upfront capital required for RV park development.

How Much You Can Borrow for an RV Park

SBA loans can support substantial campground real estate projects.

Typical project sizes include:

$1,000,000 – $20,000,000+

Basic SBA Loan Requirements for RV Parks

Common eligibility guidelines include:

• for-profit business operation
• owner occupancy requirements
• ability to repay the loan
• borrower equity contribution
• relevant management experience

Lenders may also evaluate tourism demand and site location.

New RV Park Development

Project Cost: $8,600,000
Down Payment: $860,000

A developer used SBA financing to construct a new campground facility.

Case Study: How RV Park Owners Build Wealth by Owning Their Property

Many RV park operators assume leasing land is the simplest path to growth. However, SBA 504 loans allow owners to purchase or refinance RV park property with as little as 10% down, helping operators build long-term equity while stabilizing occupancy costs and improving financial predictability.

Owning the park’s real estate can create additional revenue opportunities, increase business valuation, and support long-term investment strategies for campground owners.

Example: RV Park Owner Purchases Their Campground

After successfully operating an RV park for several years, the owner chose to purchase the property rather than continue leasing the land. The operator acquired a $3.2 million RV park using an SBA 504 loan with a $320,000 down payment, converting lease expenses into a long-term real estate investment.

Ownership allowed the business to improve infrastructure, expand the number of RV sites, and strengthen its financial position through equity growth, refinancing opportunities, and long-term asset appreciation.

Why RV Park Owners Choose APC Lending

APC Lending specializes in SBA 504 financing for commercial real estate and land development projects.

We help park operators secure financing for:

• land acquisition
• new park construction
• infrastructure upgrades
• facility expansion

Benefits include:

• SBA 504 expertise
• streamlined loan structuring
• competitive long-term financing
• nationwide support

If you are planning to purchase, develop, or expand an RV park, SBA financing may provide the long-term funding solution your business needs.

APC Lending helps RV park owners secure SBA 504 loans for real estate and infrastructure projects.

Contact APC Lending today to explore financing options.

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SBA 504 Loan Process Timeline

Ready to Begin the SBA Loan Process?

Get started on your SBA 504 loan today and take the next step toward business growth.

Call Us at 1-855-504-LOAN

Contact APC Lending today to learn more about the SBA 504 Loan Program and take the first step toward building long-term success for your business.