Why RV Park Lending Exists

RV Park Lending is a free resource for anyone financing an RV park or campground — first-time buyers, experienced operators, and the brokers and agents who guide them. Every guide here covers one financing question in depth and in plain language: how the SBA and USDA programs work, what lenders look for, what the numbers mean, and which loan fits which deal.

We are not a lender and not a broker. We don't approve loans, set rates, or take applications. What we do is explain the landscape clearly and, when you're ready, point you toward lenders who fund these deals — so you walk in knowing what you're talking about.

Most park-financing content is published by a single lender, so it quietly steers you toward that lender's one product. A bank that only does SBA 7(a) won't tell you a rural park might do far better with a USDA B&I loan — because they don't offer it.

We have no loan to sell, so we can lay out every option honestly, including the ones a given lender would rather you didn't hear about. When one program genuinely beats another for your situation, we say so. That neutrality is the whole point — it's the map a single lender can't draw.

This is a money topic, and getting a number wrong can cost a reader real money. So we hold every figure to a simple standard:

• Loan program facts — limits, terms, guarantee percentages, fees — are sourced from the SBA, the USDA, and the lenders that run these programs, not from memory or guesswork.
• We separate what's fixed by the program from what varies by lender and deal, and we say which is which.
• Rates and figures change. We frame numbers as orientation and tell you to confirm current terms with a lender, because that's the truth.
• When we don't know something, we say so rather than fill the gap with a confident guess.

If you ever find something on this site that's out of date or wrong, that's a bug we want to fix — the site is only useful if it's right.

The content here is free, and there's nothing to buy. We don't lend, we don't broker deals, and we don't sell your information — so nothing on this site is steering you toward a paycheck.

That's the whole point. We lay out every option and every lender, including the ones a salesperson would never mention, because a resource that tilts its advice toward its own interest isn't a resource — it's an ad. Our only incentive is to be the place you trust and come back to, and that only works if the advice is straight.

• First-time buyers who need the whole picture before they talk to a bank.
• Experienced operators comparing programs on their next acquisition — especially where USDA's higher ceiling changes the math.
• Brokers, agents, and loan officers who want one accurate, current resource to send clients to, deal after deal.

The bar we write to is the most skeptical reader in that group — a pro. If a broker trusts it, a first-time buyer is in good hands too.