Outdoor Hospitality
RV park & campground financing
Bridge loans for RV parks, campgrounds, and outdoor hospitality properties. Acquisition, expansion, and improvement capital from a lender who understands seasonal assets.
Why Requity
A lender who understands seasonal assets
Most lenders see inconsistent monthly revenue and walk away. We see a seasonal business with predictable annual patterns and a value-add opportunity that traditional financing cannot capture.
We Understand Seasonal Underwriting
RV parks do not produce even cash flow across 12 months. Our underwriting models account for seasonal revenue patterns, occupancy cycles, and the impact of weather on operations. We do not penalize properties for having an off-season.
Outdoor Hospitality Expertise
We evaluate RV parks and campgrounds differently than traditional commercial real estate. Site count, hookup types, amenity packages, and rate per night matter more than traditional NOI metrics for transitional properties.
Off-Season Acquisition Timing
The best RV park deals close in the off-season when sellers are motivated and competition is lower. A bridge loan that closes in 10-15 days lets you acquire in winter and have the property ready for spring revenue.
Use Cases
What we finance
From straightforward park acquisitions to expansion projects with new site development and amenity packages.
Park Acquisitions
Acquire RV parks and campgrounds that need operational improvements, site additions, or infrastructure upgrades. We underwrite to the stabilized potential, not just trailing revenue, which is critical for seasonal properties with inconsistent income histories.
Value-Add Repositioning
Finance the acquisition and improvement of underperforming parks. Add full hookup sites, upgrade electrical from 30 to 50 amp, improve roads, and add amenities that command premium nightly rates. Bridge capital covers both the purchase and the improvement budget.
Infrastructure Upgrades
Fund utility system upgrades, road improvements, bathhouse construction, Wi-Fi installation, and dump station additions. These improvements directly increase occupancy, average daily rates, and property value.
Expansion & Site Addition
Finance the development of additional RV sites, glamping units, cabins, or tent sites on existing park acreage. A vacant acre that generates $0 can produce $30-80,000 annually once developed with 8-10 sites.
Seasonal Cash Flow Bridges
RV parks in seasonal markets generate the majority of revenue in 4-6 months. Bridge financing provides capital to acquire and improve during the off-season so the property is optimized before peak season arrives.
Portfolio Consolidation
Combine multiple RV park or campground acquisitions into a single bridge facility. Operators building a portfolio of outdoor hospitality assets can streamline closings and reduce transaction friction.
Deal Economics
How the numbers work
A representative value-add RV park acquisition showing how bridge financing enables the deal and creates equity through site expansion and rate optimization.
Acquisition
Bridge Loan Structure
Stabilized (18 Months)
Representative example for illustrative purposes only. Actual deal economics vary based on market conditions, seasonality, execution, and property specifics.
FAQ
RV park lending FAQ
Yes. RV parks, campgrounds, and outdoor hospitality properties are an active lending category for Requity. We finance acquisitions, expansions, infrastructure upgrades, and value-add repositioning for these properties.
We evaluate RV parks based on their full annual revenue cycle, not just a single month or trailing quarter. Our underwriting accounts for peak season occupancy and rates, shoulder season performance, off-season baseline revenue, and year-over-year trends. We do not penalize a property for generating 60-70% of its revenue in 4-6 months if the annual cash flow supports the loan.
Yes. We structure improvement and expansion holdbacks directly into the bridge loan. This capital can fund new site development, utility upgrades, amenity construction, and infrastructure improvements. Funds are released through a draw process as work is completed.
Common exits include refinancing into a conventional commercial loan or SBA 504 loan once the property is stabilized with documented income history, sale of the improved asset, or recapitalization. The typical stabilization timeline for an RV park value-add is 12-24 months depending on seasonality and scope of improvements.
We finance RV parks and campgrounds within our $250K to $10M loan range. This typically covers properties with 30 to 300+ sites. Both established parks needing repositioning and properties being converted to RV park use are eligible.
We finance value-add improvements and expansions on existing RV parks and campgrounds. For ground-up development projects, we evaluate on a case-by-case basis depending on entitlements, site plan, and operator experience. Submit your deal for a preliminary evaluation.
We can close RV park acquisitions in as few as 10 business days from signed term sheet. Most outdoor hospitality deals close within 10-15 business days. We deliver term sheets within 48 hours of receiving a complete deal package.
Requity Lending provides RV park and campground financing nationwide. We evaluate each market based on tourism demand drivers, proximity to attractions or natural destinations, seasonal traffic patterns, and comparable park performance in the area.