Source: SBA 7(a) FOIA lending data, NAICS 721211, 2025. Rankings reflect that year's funded volume and shift year to year. Being on (or off) this list doesn't rank a lender's quality — it reflects one year of SBA activity.
The "invisible" banks that quietly fund parks
Real SBA lenders on the volume list — most with no RV-park marketing at all.
Here's the useful secret in the ranking above: after Live Oak, most of the lenders funding RV parks are ordinary banks that never advertise it. You won't find them by searching "RV park loan" — but they've written the checks. If your deal fits their footprint, they're worth a call:
Stone Bank (Little Rock, AR) — one of the nation's top preferred SBA, USDA, and FSA lenders; a genuine USDA B&I specialty. Profile →
Gulf Coast Bank & Trust — top-three by park volume, with real bylined campground-financing expertise. Profile →
Gainey Business Bank (Scottsdale, AZ) — a business bank offering SBA 7(a), 504, and USDA lending.
Harvest Small Business Finance (Laguna Hills, CA) — a national non-bank SBA lender specializing in SBA 7(a)/504 commercial real estate, known for fast closes.
First Utah Bank (Salt Lake City) — the city's largest community bank and an SBA Preferred Lender since 1978.
Bank Five Nine (Wisconsin) — a community bank since 1859 and a top-10 national SBA 504 lender.
Commercial Bank, Independent Bank, Citizens Bank — regional SBA lenders that funded park loans in 2025 but keep no RV-specific marketing.
First Mid Bank & Trust (Illinois) — an FDIC bank that lists campground financing as a dedicated commercial-lending product, typically paired with SBA 504. Profile →
These aren't second-tier options — they're real SBA lenders that simply don't market to park buyers. The catch: with no RV-park desk, you may be their first campground deal, so an experienced specialist or a broker can be smoother if your file is complex.
USDA B&I lenders for rural parks
For parks in USDA-eligible rural areas — higher loan ceiling, longer term.
Stone Bank (Little Rock, AR) — a top preferred SBA, USDA, and FSA lender nationwide, with real USDA B&I depth. Profile →
USDA B&I isn't limited to Stone Bank — it's just one of the few we can name with published RV-park experience. Any SBA lender in the top table may also do USDA if your park qualifies. Read the USDA guide to see if your location is eligible.
Bridge & private-money lenders
For value-add, fast closes, or deals a bank won't touch — refinance into SBA/USDA later.
Direct lenders — lend their own capital, so they control the decision and the timeline:
Requity Lending (Tampa, FL) — a vertically integrated real estate investment company and direct bridge lender that names RV parks, campgrounds, and outdoor hospitality as an active lending category. First-lien bridge for acquisitions and value-add off its own balance sheet; has funded deals with seller-second structures. Closes in weeks. requitygroup.com →
RV Park Loans Direct (Commercial Loans Florida, Inc.) — a park-focused shop offering conventional and bridge capital ($200K–$10M, up to 3-year interest-only terms, improvement/CapEx holdbacks) alongside SBA. Built around the seasonal-revenue math banks miss. rvparkloansdirect.com →
Bridge arrangers — underwrite and place bridge deals through lending relationships:
Jaken Finance Group — underwrites select investor bridge and commercial files nationwide, with a published RV park & campground guide (bridge 8.99%–13.5% IO, plus SBA and CMBS). jakenfinancegroup.com →
Bridge is priced above SBA (typically 9%–13.5% interest-only, 12–36 months, plus 3–6 points) because speed and flexibility cost money. It's the right tool when you need to close before a competing buyer, reposition a park before it can qualify for SBA, or fund construction with no rent roll yet. Refinance into SBA or USDA once the park is stabilized. A true direct lender controls its own yes; an arranger shops your file — ask which one you're talking to.
Brokers & arrangers
Firms that don't lend directly — they package your deal and shop it to lenders.
Select Commercial Funding — nationwide commercial mortgage broker, RV park / campground desk, loans from $1.5M through SBA 504/7(a) and conventional. Published rate sheet updated frequently. selectcommercial.com →
Green Commercial Capital — SBA specialist arranger that has been placing RV park, campground, and glamping SBA loans for 17+ years. Works with SBA lenders that specialize in park acquisitions. mymortgagebanker.com →
US Professional Funding — arranger routing RV park / campground deals through SBA 7(a), bridge, and conventional programs. usprofessionalfunding.com →
The Madison Group — a capital advisory firm arranging RV park and campground financing since 2001 ($1B+ arranged), placing deals with banks, debt funds, and bridge providers. Names RV parks and campgrounds as a core asset class, including KOA and branded properties. madisongroupfunding.com →
Brokers make sense when your file is complicated (weak year, seasonal park, first-time buyer, unusual structure) or you want to compare offers without contacting ten banks yourself. The tradeoff: they get paid by the lender, so ask up front how the fee works and which lenders they actually place with.
How to find the lender that fits your deal
Match the lender to your situation, not the other way around:
First park, want it simple? An experienced SBA lender like Live Oak, or a broker to compare a few.
Rural park, larger deal? A USDA B&I specialist like Stone Bank — read USDA vs SBA first.
Need to close fast, or the park isn't stabilized? A bridge lender, then refinance.
Complicated file? An SBA broker who packages and shops it for you.
Based on SBA 7(a) lending data for RV parks and campgrounds (NAICS 721211), 2025.
The numbers behind the directory. In 2025, SBA 7(a) lending to RV parks and campgrounds looked like this:
About $90.4 million funded across roughly 64 loans
An average loan size near $1.4 million
An average rate around 9.47%
Roughly 39 active lenders writing SBA park loans nationwide
That last number is the useful one: the field is small enough to map completely, and most of those 39 lenders are plain banks you'd never find by searching "RV park loan." That's exactly why a directory helps — the best lender for your deal often isn't the one marketing to you.
Figures reflect SBA 7(a) FOIA lending data for NAICS 721211 (RV Parks & Campgrounds), 2025, and are for orientation. They cover SBA 7(a) activity only — USDA, conventional, and bridge lending are additional. Confirm current figures with a lender.
Instead of contacting them one by one, submit your deal once and see which SBA, USDA, and commercial lenders fund RV parks — side by side, no cost to compare.