RV Park SBA Loans
SBA loans are the most popular way to finance an owner-operated RV park, offering low down payments and long terms. This guide compares the 7(a) and 504 programs and exactly what it takes to qualify.
SBA 7(a) vs. SBA 504
Both programs work for RV parks. The right choice depends on your deal size and how real-estate-heavy the acquisition is.
SBA 7(a)
Up to 25 yr • 10-15% down
The most common path for owner-operators. Funds real estate, working capital, and business assets in one loan with long amortization.
- Up to $5M loan amount
- Variable or fixed rate
- Single loan covers everything
- Personal guarantee required
SBA 504
Up to 25 yr • 10% down
Best for larger real-estate-heavy acquisitions. Combines a bank loan with a CDC debenture for below-market fixed rates.
- Up to $5.5M CDC portion
- Below-market fixed rate
- Lower down payment
- Real estate focused
SBA Eligibility Requirements
Most RV parks qualify for SBA financing. Here is what lenders confirm before approving your loan.
- For-profit business operating in the U.S.
- Meets SBA size standards (most RV parks qualify)
- Owner-operator involvement in the business
- Reasonable owner equity injection (10-15%)
- Demonstrated repayment ability via DSCR 1.25x+
- Acceptable personal credit and no recent defaults
Closing Timeline
Typically 60-90 days from application to funding
Documentation
3 years financials, rent roll, business plan
Guarantee
Personal guarantee from 20%+ owners
Down Payment
As low as 10% with strong financials
See Camp Operator in Action
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Build an SBA-Ready Operation
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