COLORADO · NAICS 721211
Colorado RV park and campground projects cluster across the mountain and front-country corridors, with compressed seasonal demand peaking through the summer and shoulder months. 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.
SBA 7(a) and 504 lenders funded 45 RV park projects across Colorado between FY2010 and FY2026, moving $58.0 million in approved capital at an average ticket of $1.3 million. That volume places Colorado at #7 of 38 states measured for RV park SBA activity, or 5.3% of national RV park dollars. The 7(a) program carried 75.6% of the loan count, with 504 taking the balance, and 8 approvals have hit the pipeline since FY2024.
| Disbursed loans (FY2010–FY2026) | 45 |
| Approved volume | $58.0 million |
| Average loan size | $1.3 million |
| 7(a) share | 75.6% |
| Approvals since FY2024 | 8 |
| State rank by loan count | #7 of 38 |
Among the 30 seasoned loans in this segment (approvals FY2010–FY2021), 10.0% reached adverse resolution — purchased, liquidated, or charged off. The national benchmark for RV park is 3.2%, against 7.3% across all industries. That performance runs above the national benchmark for this asset class, which is a factor lenders weigh in their credit decision.
Source: SBA 7(a) and 504 FOIA loan-level data, as of March 31, 2026. Disbursed loans only. See data methodology.
A 10.0% adverse-resolution rate against the national RV park benchmark of 3.2% tells credit committees to scrutinize revenue projections and coverage assumptions closely on Colorado deals in this class. A rigorous third-party feasibility study — built on documented demand, defensible pricing, and stressed coverage — carries meaningful weight in that underwriting conversation, particularly at an average loan size of $1.3 million across 45 loans.
Every Colorado 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.
Colorado 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, decisive in a state where Front Range land costs run high. 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.
Colorado's mountain and front-country camping corridors carry one of the West's deepest seasonal RV economies, and the state's manufacturing side of the sector appears in B:Side's book through the Land Ark RV financing with Zions.
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, Connecticut, 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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