RV PARK & CAMPGROUND LOANS
RV park & campground financing
Bridge loans for RV parks, campgrounds, and outdoor hospitality properties. Acquisition, expansion, and improvement capital from a lender who understands seasonal assets.
Get Your RV Park Loan Quote
Term sheet in 24 hours. No credit pull. No obligation.
The Requity team and Dylan helped me so much on my refinance. I had a tricky property but they made the loan terms work out great and I was able to stabilize and refi into long term debt. Highly recommend, great service and good operators who actually care about your deal and not just their fees.
— Garrett T., Borrower
Loan Program Details
All loans are subject to underwriting approval. Rates, terms, and fees vary based on property type, loan-to-value ratio, borrower experience, and market conditions. Requity Lending is a commercial bridge lender; we do not offer consumer residential mortgages. Contact us for a customized quote.
FINANCING OPTIONS
Bridge loan vs. SBA loan for RV parks
Most RV park lenders on the market are SBA lenders. SBA 7(a) and 504 loans have the lowest rates available for RV parks, but they are slow, document-heavy, and require stabilized income history. Bridge financing exists for everything SBA cannot do: buying in the off-season, parks without clean financials, expansion projects, and deals that need to close in weeks. Many of our borrowers use both: bridge to acquire and stabilize, then refinance into SBA 504 or bank debt.
| Bridge (Requity) | SBA 7(a)/504 | |
|---|---|---|
| Typical rate | 10-12% interest-only | Lower, tied to Prime/Treasuries |
| Time to close | 72 hours to 15 business days | 60-120 days |
| Income documentation | Underwritten to business plan | 2-3 years stabilized history preferred |
| Best for | Off-season acquisitions, value-add, expansion | Stabilized parks, owner-operators holding long term |
WHY REQUITY
The RV park lender who understands seasonal assets
Most lenders see inconsistent monthly revenue and walk away. We see a seasonal business with predictable annual patterns and a value-add opportunity that traditional financing cannot capture. Requity Group owns and operates RV and campground properties across the country, so we evaluate your deal the way we evaluate our own.
We Understand Seasonal Underwriting
RV parks do not produce even cash flow across 12 months. Our underwriting models account for seasonal revenue patterns, occupancy cycles, and the impact of weather on operations. We do not penalize properties for having an off-season.
Outdoor Hospitality Expertise
We evaluate RV parks and campgrounds differently than traditional commercial real estate. Site count, hookup types, amenity packages, and rate per night matter more than traditional NOI metrics for transitional properties.
Off-Season Acquisition Timing
The best RV park deals close in the off-season when sellers are motivated and competition is lower. A bridge loan that closes in as fast as 72 hours lets you acquire in winter and have the property ready for spring revenue.
USE CASES
RV park and campground financing use cases
From straightforward park acquisitions to expansion projects with new site development and amenity packages.
Park Acquisitions
Acquire RV parks and campgrounds that need operational improvements, site additions, or infrastructure upgrades. We underwrite to the stabilized potential, not just trailing revenue, which is critical for seasonal properties with inconsistent income histories.
Value-Add Repositioning
Finance the acquisition and improvement of underperforming parks. Add full hookup sites, upgrade electrical from 30 to 50 amp, improve roads, and add amenities that command premium nightly rates. Bridge capital covers both the purchase and the improvement budget.
Infrastructure Upgrades
Fund utility system upgrades, road improvements, bathhouse construction, Wi-Fi installation, and dump station additions. These improvements directly increase occupancy, average daily rates, and property value.
Expansion & Site Addition
Finance the development of additional RV sites, glamping units, cabins, or tent sites on existing park acreage. A vacant acre that generates $0 can produce $30-80,000 annually once developed with 8-10 sites.
Seasonal Cash Flow Bridges
RV parks in seasonal markets generate the majority of revenue in 4-6 months. Bridge financing provides capital to acquire and improve during the off-season so the property is optimized before peak season arrives.
Portfolio Consolidation
Combine multiple RV park or campground acquisitions into a single bridge facility. Operators building a portfolio of outdoor hospitality assets can streamline closings and reduce transaction friction.
Testimonials
“Luis and Dylan helped me so much on my refinance. I had a tricky property but they made the loan terms work out great and I was able to stabilize and refi into long term debt. Highly recommend, great service and good operators who actually care about your deal and not just their fees.”
RESOURCES
RV park and campground investing resources
RV Park Financing and Campground Loans: A Complete Guide for Buyers
RV park financing requires understanding which loan products fit the deal. From SBA loans for campgrounds to bridge capital, here is a breakdown of RV park loan options.
Read MoreWhy You Should Invest in RV Parks and Campgrounds: An RV Park Investment Guide
RV park investing offers a compelling alternative to traditional real estate. Here is what makes this outdoor hospitality asset class worth a closer look.
Read MoreBuying an RV Park: The 3 Biggest Risks and How to Avoid Them
Buying an RV park can be an excellent investment, but the risks differ from traditional real estate. Here are the three most common pitfalls and how to avoid them.
Read MoreFAQ