An SBA loan is one of the most common ways buyers finance an RV park or campground — long terms, lower down payment, and rates backed by a government guarantee. Here's how it works, and how to reach lenders who actually fund parks.
Yes. RV parks and campgrounds are eligible for SBA financing when the buyer will operate the park as a business — which most owner-operators do. That makes SBA 7(a) and SBA 504 two of the go-to tools for a park acquisition, especially for a first park where you don't yet have a long commercial track record.
The catch: not every bank understands RV parks, and a lender who's never underwritten one will either pass or drag. The goal is to get in front of lenders who already fund parks.
SBA rates move with the market, so the real number depends on the deal and the day. What matters more than a headline rate is the full picture: the down payment, the amortization, whether it's fixed or adjustable, and any prepayment terms.
The smart move is to see competing offers side by side instead of taking the first quote — a difference of a point on a multi-year park loan is real money over the life of the deal.
Instead of cold-calling banks one at a time and explaining what an RV park is, you can submit your deal once to a commercial lending marketplace and get matched with lenders whose criteria already fit parks.
CommLoan is the marketplace I use on my own deals — 900+ commercial lenders and SBA programs in one place. You submit the deal, their engine matches it to lenders who fund this asset class, and you compare real terms rather than chasing one bank's answer.
Free to compare. A few minutes to submit your deal.
Compare RV Park Loan Options →Disclosure: The link above is a referral link. If you fund a loan through CommLoan, we may receive a referral fee at no additional cost to you. We share it because it's the same marketplace used to find financing on real park deals.