RV Park & Outdoor Hospitality Loans

RV Parks, Campgrounds & Outdoor Hospitality — Financed Like the Businesses They Are

Acquisition, refinance, expansion, and development capital for RV parks, campgrounds, glamping properties, and manufactured housing communities.

High leverage is available on the right deal, and we regularly work with borrowers whose credit other lenders turn away.

The short answer

An RV park is not a house with hookups — it’s an operating business sitting on real estate, and it has to be financed that way. Lawton Building and Loan funds RV parks, campgrounds, glamping and outdoor hospitality properties, and manufactured housing communities across Texas and most states: purchases, refinances, expansions, and ground-up development. Depending on the deal, that can mean a conventional commercial loan, an SBA loan, or a bridge-to-permanent structure. Bring us the park’s numbers and we’ll tell you straight which road it fits.

What we fund

• RV park acquisitions — existing parks with operating history, including value-add parks that need work.
• Campground and glamping properties — from rustic campgrounds to resort-style outdoor hospitality.
• Manufactured housing communities — stabilized parks and communities, purchase or refinance.
• Expansions and improvements — added sites, hookups, amenities, and infrastructure, with or without an acquisition.
• Ground-up development — new parks built from dirt, structured in phases.
• Refinances — including cash-out for the next park or the next project.

Who this fits

• First-time park buyers coming from single-family or small multifamily who want to step up.
• Existing operators buying their second or third park.
• Sellers’ buyers who keep hearing “we don’t do RV parks” from their local bank.
• Owners of older parks that need capital to modernize and raise rents.

The honest part

Park underwriting runs on the business — occupancy, site rents, seasonality, and your operating statements matter as much as the dirt. A park with thin or messy books takes longer and structures differently than a clean one, and we’ll tell you that up front instead of at the closing table. If the park is part of a bigger plan — more parks, added sites, a management company — tell us the whole story; the structure usually gets better, not worse.

How it works

1. Call or text (817) 862-6922 with the basics — location, number of sites, what it grosses, what you’re paying or hoping to get out.
2. We shop the deal across our lending relationships and come back with the structures that actually fit a park — not a residential loan wearing a costume.
3. You pick the structure and we run it to closing, watching the numbers the whole way.

FAQ

Can I buy an RV park with an SBA loan? Often, yes — owner-operated parks are a classic SBA fit when the buyer will run the business. We’ll run the eligibility honestly before you spend money on applications.

I own the park but not the land (or the other way around). Problem? It changes the structure, and sometimes it kills a given program — but it doesn’t end the conversation. Tell us the setup and we’ll tell you what it means.

Do you finance parks outside Texas? Yes — parks and outdoor hospitality properties in most states. The property type matters more than the zip code.

What do you need from me to get started? The last couple of years of park financials if you have them (or the seller does), a site count and rent roll, and the purchase or refinance goal. We’ll build the list from there.

Can you finance a park that needs a lot of work? Value-add parks are a regular conversation here. The rehab scope just has to be in the structure from day one, not discovered later.

Start here

Call or text (817) 862-6922, or visit lawtonbuildingandloan.com.

Educational information only — not a commitment to lend. All loans are subject to credit approval, and programs change.

— Joel Lawton, Lawton Building and Loan, NMLS #380245