NEW YORK · NAICS 721211
New York RV parks and campgrounds run on a sharply compressed leisure calendar in the Adirondack, Catskill, and Finger Lakes corridors, with peak summer and shoulder-month curves driving the model. Studies test 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.
Between FY2010 and FY2026, SBA lenders approved and disbursed 58 7(a) and 504 loans for RV park projects in New York, totaling $35.0 million in approved financing at an average of $604,000 per loan. New York ranks #5 of 38 states tracked for RV park SBA lending volume and accounts for 3.2% of national RV park SBA dollar volume. 81.0% of these loans were made under the 7(a) program, the remainder under 504. 10 loans have been approved since FY2024.
| Disbursed loans (FY2010–FY2026) | 58 |
| Approved volume | $35.0 million |
| Average loan size | $604,000 |
| 7(a) share | 81.0% |
| Approvals since FY2024 | 10 |
| State rank by loan count | #5 of 38 |
Among the 45 seasoned loans in this segment (approvals FY2010–FY2021), 6.7% 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 6.7% adverse-resolution rate against the national RV park benchmark of 3.2% tells credit committees to scrutinize revenue projections and coverage assumptions closely on New York 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 $604,000 across 58 loans.
Every New York 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.
New York 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.
Adirondack, Catskill, and Finger Lakes corridors carry compressed seasonal demand that drives the model.
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: New Mexico, North Carolina, 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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