FLORIDA · NAICS 721211
Florida RV parks and campgrounds operate against the country's most pronounced snowbird seasonality, with peak winter demand and softer shoulder seasons. Studies model nightly and seasonal rate structures, pad utilization, amenity revenue, and absorption against a defensible trade area, with monthly occupancy curves replacing annual averages.
FEASIBILITY TRIGGER
RV parks are a special-purpose class under SOP 50 10 8, so a third-party feasibility study is normally required, with elevated equity applying when the project is special-purpose, a startup, or both.
SBA 7(a) and 504 lenders funded 30 RV park projects across Florida between FY2010 and FY2026, moving $59.3 million in approved capital at an average ticket of $2.0 million. That volume places Florida at #10 of 38 states measured for RV park SBA activity, or 5.4% of national RV park dollars. The 7(a) program carried 66.7% of the loan count, with 504 taking the balance, and 7 approvals have hit the pipeline since FY2024.
| Disbursed loans (FY2010–FY2026) | 30 |
| Approved volume | $59.3 million |
| Average loan size | $2.0 million |
| 7(a) share | 66.7% |
| Approvals since FY2024 | 7 |
| State rank by loan count | #10 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 Florida deals in this class on ordinary SBA credit footing. Across 30 loans averaging $2.0 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 Florida 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.
Florida projects often fit SBA 504 where owner-occupied real estate anchors the deal, with the 50/40/10 structure delivering up to 90 percent financing at a fixed debenture rate, while SBA 7(a) covers acquisitions, working capital, and equipment. From July 4, 2026 eligible borrowers can combine 7(a) and 504 for up to $10 million in total program credit.
Snowbird seasonality makes monthly occupancy curves the center of any credible Florida park study.
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.
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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