ARIZONA · NAICS 721211
Arizona RV park and campground projects cluster across the Maricopa and Pinal County snowbird corridors and the high-country gateways, with winter occupancy curves that invert the national pattern. Studies translate site mix, amenities, rate by season, and absorption into projections, and reconcile zoning, water, and septic conditions against the build plan.
FEASIBILITY TRIGGER
RV parks and campgrounds are special-purpose under SOP 50 10 8, so a third-party feasibility study is normally required and elevated equity applies.
Between FY2010 and FY2026, SBA lenders approved and disbursed 22 7(a) and 504 loans for RV park projects in Arizona, totaling $35.9 million in approved financing at an average of $1.6 million per loan. Arizona ranks #14 of 38 states tracked for RV park SBA lending volume and accounts for 3.3% of national RV park SBA dollar volume. 95.5% of these loans were made under the 7(a) program, the remainder under 504. 8 loans have been approved since FY2024.
| Disbursed loans (FY2010–FY2026) | 22 |
| Approved volume | $35.9 million |
| Average loan size | $1.6 million |
| 7(a) share | 95.5% |
| Approvals since FY2024 | 8 |
| State rank by loan count | #14 of 38 |
The state-level seasoned cohort in this segment is below our publication threshold of 30 loans, so no state rate is shown. Nationally, seasoned RV park loans (approvals FY2010–FY2021) show an adverse-resolution rate of 3.2%, against 7.3% across all industries.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
An adverse-resolution rate of 3.2%, close to the national RV park benchmark of 3.2%, puts Arizona deals in this class on ordinary SBA credit footing. Across 22 loans averaging $1.6 million, the underwriting question is deal-specific: a rigorous third-party feasibility study is where documented demand and stressed coverage decide the credit outcome.
Every Arizona rv parks and campgrounds project we underwrite follows the same lender ready process: independent market analysis, site and technical review, and financial projections tested against SBA SOP 50 10 8 standards. Our SBA feasibility study consultants guide explains scope, timing, deliverables, and what lenders and CDCs expect in the report.
Arizona projects most often pencil under SBA 504 because the 50/40/10 structure delivers up to 90 percent financing on owner-occupied real estate at a fixed debenture rate, which is decisive in a state where Sun Belt growth has pushed land and improvement costs higher each cycle. SBA 7(a) covers acquisitions, working capital, and equipment, and from July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
Arizona's snowbird economy carries one of the deepest seasonal RV demand bases in the country across the Maricopa and Pinal growth rings, with winter occupancy curves inverting the national pattern.
For a national view of this asset class, see our RV park SBA feasibility overview, and read our related analysis in the RV park lending research on our blog. Lenders and CDCs can order an SBA RV park feasibility study tested against the transient-revenue rule.
Compare neighboring markets: California, Texas.
Public SBA and CDC program records, cited as program evidence
$8.5M total project cost through TMC Financing and PB Capital with 15 percent down
206-unit park on 40 acres, national program evidence
Bakersfield, Kern County, California
Fifteen-minute scoping call, written proposal inside one business day, firm fixed fee before you sign.
Book a MeetingOur SBA feasibility study consultants prepare RV park, campground and outdoor hospitality studies for lenders, CDCs and sponsors. See pricing, methodology or request a fixed fee quote.
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