7 Best Business Loans to Buy an RV Park in 2026

The median asking price for an established RV park is over $1.3 million, with smaller parks starting around $100,000 and larger resorts exceeding $2 million, according to BizBuySell. Most buyers need financing built for commercial real estate, not a quick working capital loan.

Whether you’re a first-time buyer or an experienced operator expanding your portfolio, the business loan type and lender you choose make a significant difference in your rate, down payment and approval odds.

Best business loans to buy an RV park

• Best for fast funding: Fundera business loans
• Best marketplace with SBA access: Lendzi
• Best for comparing lenders: Lendio business loans
• Best for low credit scores: Pinnacle Funding
• Best for large loan amounts: Fundible
• Best for RV park specialists: Live Oak Bank SBA loans
• Best for equipment financing: National Funding business loans

Finder Score	Loan amount	Loan term	APR
Best for fast funding
9.5 Excellent Fundera business loans	9.5 Excellent	$5,000 – $5,000,000	Varies by lender	Varies by lender	Go to site View details Compare product selection Compare	loading	Why we like it Fundera is a well-regarded marketplace backed by NerdWallet that connects borrowers with SBA loans, term loans and lines of credit through a single application. Its annual revenue minimum of just $60,000 is the lowest on this list, making it one of the more accessible options for buyers of smaller campgrounds. It's best for acquisitions in the $500,000 to $2 million range, where speed and simplicity matter. Pros & cons Pros Lower annual revenue minimum than most competitors SBA loan access through network Simple single-application process Cons Not a direct lender Rates and terms set by partner lenders May not be ideal for very large campground acquisitions
Best marketplace with SBA access
9.5 Excellent Lendzi	9.5 Excellent	$5,000 – $5,000,000	6 months to 25 years	Varies by lender	Go to site View details Compare product selection Compare	loading	Why we like it Lendzi connects borrowers with 60+ lenders and has one of the highest loan ceilings on this list — up to $20 million through its network — making it worth considering for larger or more developed RV resorts. It covers SBA 7(a) and 504 programs alongside term loans and other financing. The tradeoff is stricter minimums: one year in business and $120,000 in annual revenue, which makes it better suited to established buyers than first-timers. Pros & cons Pros Network access to loans potentially up to $20 million SBA loan access including 7(a) and 504 programs Wide range of loan types Cons Not a direct lender — terms controlled by partner lenders Higher revenue and time-in-business minimums than some competitors Rates not disclosed publicly
Best for comparing lenders
9.6 Excellent Lendio business loans	9.6 Excellent	$1,000 – $10,000,000	Varies by lender	Varies by lender	Go to site View details Compare product selection Compare	loading	Why we like it Lendio's marketplace connects you with 75+ lenders through a single application, making it the easiest way to compare term loans, SBA loans and commercial real estate financing side by side. SBA loans through the network can reach up to $5 million with terms up to 25 years, which suits most campground acquisitions well. There's no fee to use the service, and a dedicated funding manager helps you navigate offers. Just expect some follow-up marketing after you apply. Pros & cons Pros No fee to apply or use the service Access to 75+ lenders with one application SBA loans up to $5 million with terms up to 25 years Options for lower credit scores Cons Not a direct lender — terms set by partner lenders May receive marketing outreach after applying Rates vary widely depending on matched lender
Best for low credit scores
9.9 Excellent Pinnacle Funding	9.9 Excellent	$10,000 – $5,000,000	6 to 24 months	Varies by loan type	Go to site View details Compare product selection Compare	loading	Why we like it For buyers with less-than-perfect credit, Pinnacle Funding accepts scores as low as 525 and offers access to term loans and SBA loans up to $5 million. Applications take minutes and won't impact your credit score. The higher annual revenue requirement of $180,000 means it works best for established businesses, not first-time buyers starting from scratch. Pros & cons Pros Minimum credit score of 525 Fast application with no credit impact Loan amounts up to $5 million Variety of loan types available Cons Not a direct lender, rates vary by partner Higher minimum annual revenue APR undisclosed until matched with lender
Best for large loan amounts
9.8 Excellent Fundible	9.8 Excellent	$1,000 – $6,000,000	5 months to 10 years	Starting at 1% per month	View details Compare product selection Compare	loading	Why we like it For buyers targeting a higher-priced campground or resort, Fundible's network can connect you with up to $6 million in financing, more than most online lenders offer. It covers term loans, SBA loans and equipment financing through its lending partners, and its minimums are accessible: a 500 credit score and six months in business. Funding can happen within 24 hours once approved, though commercial real estate deals take longer. Pros & cons Pros Loan amounts up to $6 million through network Low minimum credit score of 500 Multiple loan types, including SBA and equipment financing Fast funding possible once approved Cons Not a direct lender — rates and terms set by partner lenders Origination fees may apply Rates not fully disclosed up front
Best for RV park specialists
8.8 Great Live Oak Bank SBA loans	8.8 Great	$10,000 – $15,000,000	Up to 25 years	Varies	View details Compare product selection Compare	loading	Why we like it Live Oak Bank has a dedicated outdoor hospitality lending team that finances RV park acquisitions, expansions and refinances — something you won't find at most lenders or marketplaces. It offers SBA 7(a) loans up to $5 million and, for larger deals, a combination program that pairs an SBA loan with a conventional loan and line of credit. Development financing starts at $500,000. If you want a lender that understands campground underwriting, seasonal revenue and rural appraisals, this is it. Pros & cons Pros RV park and outdoor hospitality lending specialists SBA 7(a) loans up to $5 million plus combination financing for larger projects Offers acquisition, development and refinance options Direct lender with dedicated loan specialists Cons Minimum loan amount of $500,000 — not suited for smaller purchases Rates and eligibility requirements not publicly disclosed May have longer processing times typical of SBA lending
Best for equipment financing
9.6 Excellent National Funding business loans	9.6 Excellent	$5,000 – $500,000	4 to 24 months (working capital); 2 to 5 years (equipment)	Not listed	View details Compare product selection Compare	loading	Why we like it When buying an RV park, the property is just the start — you'll likely need equipment too, from utility vehicles and golf carts to laundry and maintenance tools. National Funding is a direct lender offering equipment financing up to $150,000 with $0 down and 100% financing available. It also backs a lowest-payment guarantee: find a lower payment elsewhere and it pays you $1,000. Use it alongside a primary acquisition loan to cover the full cost of getting operational. Pros & cons Pros Direct lender Up to 100% equipment financing with $0 down Lowest payment guarantee on equipment leases Early payoff discounts available Cons Maximum loan of $500,000 — can't finance the full acquisition Rates not publicly disclosed Best used as a supplement to a primary acquisition loan

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Methodology: How we chose these lenders

We evaluated lenders based on their relevance to RV park and campground acquisitions, specifically, not just general business loan access. Factors we considered include:

• Loan amounts large enough to cover a campground purchase ($100,000–$2 million+)
• Access to SBA 7(a) and 504 loan programs, which are among the most used for this property type
• Time-in-business and credit score minimums
• Equipment financing options for campground-specific needs
• Funding speed and application ease
• Customer reviews on Trustpilot and the Better Business Bureau (BBB)
• Industry specialization (particularly for RV park-specific lenders)
• Fees, rates and transparency of terms

We prioritized lenders that cover the range of buyer profiles likely to pursue an RV park — from first-time buyers needing marketplace flexibility to experienced operators who can access specialized bank lending.

How to compare business loans for an RV park

RV park loans function more like commercial real estate loans than typical working capital products. When comparing your options, focus on:

• Loan type. SBA loans offer lower down payments and longer terms, but they’re not your only option. Conventional commercial loans and online term loans are worth comparing — especially if you need to move faster or borrow more than SBA limits allow.
• Down payment. SBA loans typically require 10% to 20% down. Conventional commercial loans often require 25% to 30%. Online lenders vary widely, so check each lender’s requirements before applying.
• Repayment terms. Longer terms lower your monthly payment but increase the total interest paid. Online loans with shorter terms cost more overall but may fund faster. Match the term to your cash flow needs.
• Lender experience with RV parks. Many lenders treat campgrounds as specialty or high-risk. A lender familiar with the industry can make underwriting faster and smoother.
• Total costs. Compare APRs, origination fees, closing costs and prepayment penalties — not just the interest rate.
• Funding timeline. SBA and commercial loans can take 60 to 90 days. Online lenders can move in days to weeks. If you’re in a competitive acquisition, timeline matters.

What is an RV park business loan?

A business loan to buy an RV park is most commonly structured as an SBA loan or a commercial real estate loan. Both provide a lump sum secured by the property, repaid in fixed monthly installments over a set term. Most deals also require a personal guarantee.

Many lenders classify RV parks as specialty or high-risk because they’re often rural, seasonal and harder to resell quickly. That said, growing demand for outdoor travel has made campground financing more accessible than it was a decade ago.

How does an RV park business loan work?

The SBA 7(a) loan is the most widely used structure for campground acquisitions. It can cover both the real estate and business goodwill with as little as 10% down and terms up to 25 years.

The SBA 504 loan is limited to fixed assets like land, buildings and equipment — it can’t finance goodwill. For buyers who already own at least one cash-flowing park, some SBA lenders will finance the next acquisition with no money down.

Pros and cons of RV park business loans

Business loans for RV parks give buyers access to capital they’d otherwise need years to save, but they come with real tradeoffs. Here’s a quick look:

Types of business loans to buy an RV park

These are the most common loan structures used to purchase a campground or RV park.

How to qualify for a business loan to buy an RV park

Most lenders evaluate RV park acquisition loans carefully because the property type is considered specialty. To improve your chances:

• Credit score. SBA lenders typically prefer a personal credit score of 680 or higher, though some programs go as low as 620 to 640. Conventional commercial lenders often require 700+.
• Time in business. Most lenders want at least one to two years in business. First-time RV park buyers may need to offset limited experience with a strong business plan and management background.
• Revenue and cash flow. Lenders want to see that projected or existing park revenue can cover loan payments and operating costs.
• Down payment. Expect 10% to 20% for SBA loans and 25% to 30% for conventional commercial loans. Having cash reserves above the minimum strengthens your application.
• Business plan. A thorough plan with revenue projections, occupancy assumptions and an improvement strategy is often required, especially for first-time buyers.
• Industry experience. Prior hospitality or campground management experience can materially improve your approval odds with SBA lenders.

How to apply for a business loan to buy an RV park

1. Assess your eligibility. Check your personal credit score, tally your revenue and business history and determine how much you can put down. If you’re a first-time buyer, identify how your experience supports the application.
2. Define your loan needs. Determine whether you need to finance just the real estate or the full business acquisition, including goodwill. This will help you narrow down the loan type.
3. Gather documentation. For most acquisitions, you’ll need personal and business tax returns, bank statements, the property’s financial statements, a business plan and proof of down payment funds. If buying an existing park, the seller’s profit-and-loss statements are also required.
4. Compare lenders. Use a marketplace like Lendio or Lendzi to see multiple offers, or approach specialists like Live Oak Bank directly if you want campground-specific expertise.
5. Submit your application. Complete the full application, upload documents and be thorough — incomplete applications are a leading cause of delays, especially with SBA loans.
6. Wait for approval and funding. Online lenders may fund within days for smaller amounts. SBA and commercial real estate loans often take 60 to 90 days due to appraisals and underwriting.

Where can I find a business loan to buy an RV park?

RV park acquisition financing comes from a few different sources:

• SBA-approved banks and lenders. SBA 7(a) and 504 loans are the most common structures for campground acquisitions. Working with an SBA Preferred Lender — which has delegated approval authority — can speed up your application significantly.
• Specialty RV park lenders. A small number of lenders, like Live Oak Bank and CCFBank, have dedicated outdoor hospitality lending teams. These lenders understand seasonal revenue patterns, rural property appraisals and the nuances of campground underwriting in ways that general lenders typically don’t.
• Online marketplaces. Platforms like Lendio, Lendzi and Fundera connect buyers with multiple lenders through a single application. These are useful for comparing options quickly, especially if you’re still figuring out which loan type fits your situation.
• USDA B&I loans. If your target property is in a rural area, the USDA Business and Industry loan program can offer up to $25 million with competitive terms. This is underutilized but worth exploring if you meet the rural eligibility criteria.

Documentation to apply for a business loan to buy an RV park

Documents you’ll typically need include:

• Personal and business tax returns (2 to 3 years)
• Business and personal bank statements
• Sales contract for the property
• Seller’s profit-and-loss statements and financial records
• Business plan with revenue projections
• Proof of down payment funds
• Business licenses and permits
• Personal financial statement
• Proof of any collateral

Alternatives to a business loan to buy an RV park

If you don’t qualify for a traditional acquisition loan or need supplemental funding, consider:

• Personal loan. For smaller acquisitions under $100,000 — like raw land for a future campground — a personal loan may bridge the gap. It doesn’t require business history or revenue, though limits are lower and rates can be higher.
• Home equity loan or HELOC. If you have more than 20% equity in your home, you may be able to borrow against it. Rates are typically lower than unsecured options, but your home is at risk if you can’t repay.
• Seller financing. Some campground sellers will hold a portion of the financing — sometimes up to 10% to 20% of the purchase price — which can reduce or eliminate the down payment you need to bring to an SBA loan.
• Investor capital. A private equity partner or angel investor can provide acquisition capital in exchange for equity. This avoids debt payments but means giving up some ownership stake.
• USDA grants and rural development programs. Federal and state rural development programs occasionally offer grants or subsidized financing for qualifying rural businesses.

Frequently asked questions

• What kind of loan do you use to buy an RV park?

  The SBA 7(a) loan is the most common option — it finances both real estate and goodwill with as little as 10% down and terms up to 25 years. The SBA 504 loan covers fixed assets only. Conventional commercial loans suit larger deals but typically require 25% to 30% down.

• How much income do I need for a $500,000 business loan?

  Most lenders require a debt service coverage ratio of at least 1.25x, meaning your net operating income must exceed your loan payments by 25%. For a $500,000 SBA loan, that's roughly $52,000 to $60,000 in annual income above operating expenses.

• What is the 10-year rule at RV parks?

  It's a park management policy — not a lending rule — that restricts guests from bringing in RVs older than 10 years. If the park you're buying enforces it, lenders will factor any occupancy impact into their underwriting.

• How much is a monthly payment on a $100,000 business loan?

  On a $100,000 SBA 7(a) loan at 8% APR, expect roughly $1,200 per month over 10 years or about $2,000 per month over five years. Your actual payment depends on your rate, term and loan type.

To make sure you get accurate and helpful information, this guide has been edited by Megan B. Shepherd as part of our fact-checking process.

Written by

Bethany Hickey

Banking editor

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Bethany Hickey is the banking editor and personal finance expert at Finder, specializing in banking, lending, insurance, and crypto. Bethany’s expertise in personal finance has garnered recognition from esteemed media outlets, such as Nasdaq, MSN, Yahoo Finance, GOBankingRates, SuperMoney, AOL and Newsweek. Her articles offer practical financial strategies to Americans, empowering them to make decisions that meet their financial goals. Her past work includes articles on generational spending and saving habits, lending, budgeting and managing debt. Before joining Finder, she was a content manager where she wrote hundreds of articles and news pieces on auto financing and credit repair for CarsDirect, Auto Credit Express and The Car Connection, among others. Bethany holds a BA in English from the University of Michigan-Flint, and was poetry editor for the university’s Qua Literary and Fine Arts Magazine. See full bio

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