Most park lenders only talk SBA. Stone Bank is one of the few that leans into USDA's Business & Industry program — the rural, higher-ceiling lane that can beat SBA on a bigger deal. That focus makes it a specific, valuable option for the right park.
Stone Bank is a top-tier SBA lender to RV parks — about $5.8M across 2 loans in 2025, second only to Live Oak — with a real USDA B&I specialty. That's the differentiator: USDA B&I can lend up to $25M with no aggregate cap and 30-year terms on a rural park, and most banks don't do it. Best for a rural park, a larger deal, or a portfolio buyer who'd hit SBA's $5M cap.
Stone Bank is a government-guaranteed lending specialist — the kind of bank that builds a team around SBA and USDA programs rather than treating them as a side product. In the RV park space, it ranked second by SBA 7(a) volume in 2025. But its more distinctive value is on the USDA side, where it actively originates B&I loans that most banks never touch.
Stone Bank's government-guaranteed lending team includes named USDA B&I specialists — notably Michael Oppel, who works in government-guaranteed lending with years of USDA B&I experience. For a program as documentation-heavy as USDA, working with someone who originates B&I loans routinely — rather than a banker figuring it out on your deal — is a real advantage.
Reach the current team through Stone Bank's own site (stonebank.com) to confirm you're connecting with the right USDA specialist.Submit your deal once and see how Stone Bank's USDA lane stacks up against SBA and commercial lenders for your park — side by side, no cost to compare.
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